Research On Mobile Payment Operating Model

With the rapid development of telecom technologies and the fusion of communication, finance and e-commerce, mobile payment gradually springs up .In order to ensure the healthy and orderly development of mobile payment in China Mobile, we need to research mobile payment in theory to guide industry players and the government, through integrating domestic status and drawing lessons from overseas experience.For the mobile chain, it should include equipment manufacturers, mobile telecom operators, Financial institution, payment balcony providers, business organizations and end-users. The thesis will mainly discuss encircling industry players.There are different operating models: in operating main players, the mobile-telecom-operator-domain model, the bank-domain model, the third-party-domain model and the mix model; in accomplishing ways, the long-distance control model and the short-distance communication model. The existing of many kinds of models increases industry perplexity.In addition, the thesis still discusses development strategies of the mobile payment development in China Mobile. The paper addresses suggestions, based on analyzing Japan, South Korea and China development status and integrating theories: perfecting industry standards, enhancing security and establish reasonable distribution mechanisms.