移动支付业务架构探讨

The Study on Mobile Payment Service and its Implementation

随着普通大众消费能力的不断增强,方便快捷的支付渠道成为越来越强烈的需求。移动支付业务正好提供了这样一个渠道,它可以不受地理和时间的限制,随时随地的满足人们的支付要求。本文首先简要介绍移动支付业务概念、分类,然后重点叙述移动支付业务模型以及移动支付的体系架构和接口,并给出支付业务流程示例。最后对移动支付中的安全问题进行了论述。

Along with the continuing increase of people consuming abilities, it has become a strong requirement to own convenient and quick payment ways. Mobile payment services can offer such ways and enable people to finishi payments at any time and everywhere without temporal and spatial limitations. This article briefly introduces the concept of mobile payment and its classification first, focuses on the models of mobile payment services, systematic framework of mobile payment and its interface, and demonstration of payment services processing thereafter. The security issues of mobile payment are also discussed at the end