面向电信运营商的近场支付技术研究

Research on Near-Filed Payment Technology for Telecom Operators

移动支付是使用移动终端对所消费的商品或服务进行账务支付的一种服务方式。整个移动支付价值链包括电信运营商、支付运营商、应用提供商、设备提供商、系统集成商、商家和终端用户。目前,国内各大电信运营商将移动支付特别是近场支付作为新的利益增长点,以期能够迅速占领移动支付领域制高点。本文通过对现有近场支付方案的研究和比较,结合运营商实际部署运营提出移动支付应用的思考和建议。

Mobile payment could provide account service on the consumption of goods or service by using mobile terminals. The whole mobile payment value chain contains telecom operators,payment operators,application providers,equipment providers,system integrators,merchants and end users. Currently,the major Chinese telecom operators regard mobile payment as a new growth point of interest,and hope to quickly occupy high ground of this area. This paper gives the analysis and comparison of near-filed payment technology. Finally,some reflections and recommendations on developing near-filed payment application for telecom operators are proposed.