China Telecom’s Mobile Payment Services Research And System Implementation

Telecommunications operators in China in2009started construction of3G networks, access to all stages of business operations, are facing more competition. In order to better the layout of the mobile internet,to win a share of value-added business areas, to increase user stickiness, to differentiate their services, telecommunications carriers have accelerated development of mobile payment services. China Telecom needs to find a suitable mode of payment of business operations, to build an advanced architecture platform for users to facilitate the payment of life.First, this paper describes the current development of mobile payment services and related technologies. Combined with the network of China telecom, this paper analyzed the needs of the mobile-payment users, also the business types and forms for payment, summarized the achievement of the way, achieved a systematic form of the payment system. Based on requirements analysis, we analyze functional requirements, and to describe the system design scheme. Subsequently, the whole system design is introduced, including the system function structure, the system main frame and typical operating flow. And this paper introduces the communication between the platform and other platform and the communication in the modules of the platform. In the paper, have described payment processing modules,clearing and settlement systems in the core module as examples of functional modules in detail.Paper details how to build the China Telecom’s mobile-payment platform, including comparison and selection, the host system design, network architecture, etc. Last, it’s a brief introduction of the platform operation.