Design And Implementation Of Mobile Phone Payment

Cell phone payment, also referred to as mobile payment generally refers to mobile users using their mobile terminal to pay their goods or services. And in most cases cell phones are used as the payment instruments. The users can complete the transaction payment requests by sending SMS and then following the guidance of the system instructions. The operation is simple and can be conducted anytime and anywhere. Mobile payment, used as a personalized value-added service, can achieve many payment functions, which empasizes mobile payment and consumption.Mobile payment as one of the fund liquidation manners of all kinds of business, is an important part of the mobile e-commerce development. It has advantages in fields of financial services, news and information, online games and other areas, especially in hotels, tourism, transportation, catering and other customers’mobility, randomness in trades.Mobile e-commerce can be PIM personal information services, mobile loacation services, business transaction services (including shopping, payment, etc.), entertainment consumer services (including ringtones, picture downloads, ordering movie tickets, etc.), marketing service (including mobile phone stocks, mobile lottery, etc), mobile advertising services(including image advertisements, text broadcast, etc), mobile offers services (including information customization, phone surveys, mobile services (including OA, mobile supply and storage management), mobile browsing services (including mobile news, mobile and literature, mobile gaming services, emergency services, mobile public services.The implementation of mobile payment can be as the underlying platform for various services including business transactions, entertainment consumption, mobile marketing, mobile office, mobile games, etc, which could complement the workflow of a variety of industries, even improve the existing work, life and consumption patterns.There are two implementation ways of the mobile payment:phone bill payment and bank card payment. The first approach:phone bill payment. The charge is collected by the phone bill. The users can pay their phone bills and the costs at the same time, and then the mobile operators provides the users credit. The users directly use the existing bill account to implement the bill payment and commodity purchase by the way of bill collection.The second approach:bank card payment. The charges is deducted from the bank (debit)account or credit account, in which the mobile is just a simple information channel linking the users’ bank account or credit account number and the phone number. The payment patterns such as bank account inquiry, bill payment, commodity purchase etc. can be implemented by the telephone number.The application of the mobile payment system provides a new commercial option for merchants, service providers and consumers, which is an inevitable trend of the payment development and a strong complement to the traditional payment patterns. It plays important roles in many aspects. For the merchants, mobile payment will provides convenient payment system for their business with no space and time barriers, accelerate the payment efficiency, reduce the operating costs while also reducing the consumption threshold of the target user group, which help further building wide range of marketing model, further enhance the overall marketing effect. For the service providers, after completion of the large-scale promotion and in combination with the mobile internet industry, mobile payment having unique advantages and broad prospects will bring huge economic benefits for the service providers. And consumers will find the convenience of our daily lives, while saving the living cost and also subtly update the traditional way of life and payment patterns.This paper analyzes the current status of the mobile payment system and learns from the experience and lessons of domestic mobile payment system construction. Against the characteristics of the mobile communication industry and in accordance with the requirements of the user-oriented service, a proposal which was mainly composed of phone bill collection is raised in this paper.The author participated in the project through the development process, and was mainly responsible for system testing. The background of the system development and the current status of field research both at home and abroad was introduced in this paper. The system’s functional requirements was illustrated and summarized. The system architecture design and its target achievement was discussed. From a different perspective on the detailed design of core business functions of the system, security processing and abnormal processing was explained. And at last, summary and outlook was made toward the project.