Reseach On Micro Payment Platform Based On Mobile Internett And Its Transaction Security

Mobile internet is accelerating the percolation, overturn and rebuilding of traditional industries. Mobile payment has become not only the new direction of e-commerce, but also the focus of general merchants and individuals. To provide safe, convenient and differentiable mobile internet micro payment platform is the key to improve payment environment as well as satisfy the urgent needs of market and customers efficiently.This thesis aims at the following issues, makes a research on the newest trends of mobile internet micro payment platform, mainly discusses the original design of the micro payment platform which is based on mobile internet, and presents the way to ensure the safety of the payment platform in connection with the development of current technology. The main points are:1. Survey and research the domestic and foreign situation as well as developing trend of mobile payment platform. To understand the domestic and foreign situation of mobile payment business sector especially the commercial model, typical business process, business case, service condition of mobile payment platform, and dig the importance and entry point of this platform.2. To research the commercial model, participants and relations of mobile payment business. As a result of different needs, mobile operators, banks, commercial tenants, users play different roles in different systems. Meanwhile, banks and operators are fighting for the dominance of payment platform all the time.3. To make further survey of the needs, understand the application function and typical process of mobile payment business, and interpret the main core function of the platform by the mobile operator dominant internet micro payment platform. Mainly include user account management, merchant management, business management, transaction management, financial management, unified message service management, system management, credit management and so on.4. To design platform and realize the phototype system, make a vivid study of the software system construction, system network architecture on the basis of system application function and have designed a systematic database structure accordingly.5. A key point to complete mobile payment is to solve the safety problem of it, otherwise it cannot be largely promoted and applied. This thesis interprets the safety guarantee issue of payment system from system, network, encryption technique and business and so on.6. Making a detailed test of this platform through imitating bank/unionpay and mobile operators’ systems to prove that the platform holds good usability and superior performance, as well as to provide a preferable model for mobile network micro payment system.