| In recent years, the development of Internet technology, especially the emergence of intelligent mobile phone and the portable popularity of Internet applications, that is the mobile Internet, have changed the public on information inquiry, access, usage, behavior pattern, and overturned the business model of many operations which profitability is based on intermediary service.Mobile Internet technology and business model subvert a lot of industry, meanwhile it reformed a narrow but a huge volume industry- payment business. Payment is a relatively small branch in the traditonal financial industry, but the payment business is the foundation of the consumer credit business, and also is closely related to the debt business and capital business. At the same time, payment can be innovative and creative space is very large. Therefore, in recent years the payment business become the breakthrough and the starting point for all walks of life to enter the financial sector debt business and capital business. The payment business innovation emerge in an endless stream, too many for eyes to take in.In order to reveal the logic and strategy behind these mobile payment innovation which seem to be a powerful and unconstrained style, lustrous and dazzling, this paper tries to walk out from the complex and changeable payment innovation in this innovation war. It will return the “Payment”to the nature of the business model, to the business module in detail, re deconstruction, creativly split the “Payment” into three elements: account, authentication and currency. This paper elaborates and lists the basic configuration, principle, empirical demonstration and direction of innovation of these three elements, accounts, authentication and currency. Payment for some of the technical innovation of advanced nature, and the evolution process of some common payment verification methods are described and discussed. This paper has a certain reference for the entrepreneurs, practitioners and learners of payment business. |
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