A service mode of accounting payment for the goods or services consumed. Units or individuals directly or indirectly send payment instructions to banks and financial institutions through mobile devices, the Internet or short-range sensing to generate monetary payments and funds.

Gold transfer behavior, so as to realize the mobile payment function. Mobile payment integrates terminal equipment, Internet, application providers and financial institutions to provide users with financial services such as monetary payment and payment.

Mobile payment is mainly divided into near-field payment and remote payment. The so-called near-field payment is to take a car, buy things and brush your mobile phone, which is very convenient. Remote payment refers to payment methods by sending payment instructions (such as online banking, telephone banking, mobile phone payment, etc. ) or with the help of payment tools (such as mail and remittance), such as handheld payment, handheld recharge, handheld video, etc. At present, the non-uniform payment standard has caused a lot of confusion to the related promotion work.

The mobile payment standard has been formulated for more than three years, mainly due to the competition between UnionPay and China Mobile. According to the report of data research company IDC, the global mobile payment amount will exceed 1 trillion dollars in 20 17 years. Strong data means that the global mobile payment business will continue to strengthen in the next few years.

As early as 1999, China Mobile cooperated with financial departments such as Industrial and Commercial Bank of China and China Merchants Bank, and began to carry out pilot mobile payment services in some provinces and cities such as Guangdong.

In 2002, China Mobile started the pilot of micro-mobile payment in Guangzhou. In 2004, UnionPay also often cooperated with mobile phones and bank cards in mobile payment.

In 2006, China Mobile started the commercial experiment of near-field payment in Xiamen.

In 2008, the near-field payment pilot was expanded to Changsha, Guangzhou, Shanghai and Chongqing;

In 20 10, unionpay joined with China industrial and commercial bank, China agricultural bank, China construction bank, bank of communications, etc. 18 commercial banks, as well as two telecom operators such as China Unicom and China telecom and some mobile phone manufacturers to establish the "mobile payment industry alliance".

On June 20 1 1, the central bank issued third-party payment licenses, and UnionPay, Alipay, UnionPay Business, Tenpay and Kuaiqian obtained licenses. However, due to the non-uniform payment standards and other reasons, domestic mobile payment has not been widely promoted.

On June 2, 2065438, China Mobile and China UnionPay signed a cooperation agreement on mobile payment services, which indicated that China's mobile payment standard was basically determined as 13.56MHz, which unified the standard and eliminated the technical differences that hindered the development of mobile payment.

Three major operators have set up mobile payment companies: China Mobile established China Mobile E-Commerce Co., Ltd. in July 201/and China Unicom was established in July 201/.

Unicom Woyifu Network Technology Co., Ltd. was established in April, and China Telecom established Tianyi E-commerce Co., Ltd. in March 20 12. 201165438+February, the mobile payment subsidiaries of the three major operators were also promulgated by the central bank.

With the payment business license, the enthusiasm of operators to develop mobile payment products and promote them has been improved.

The development of mobile terminals and mobile e-commerce is an important prerequisite for the rapid development of mobile payment. 20 1 1 year, the transaction scale of China mobile e-commerce market was156.7 billion yuan, up 609% year-on-year; It is estimated that in 20 12, the scale of China mobile e-commerce market will reach 2.5/kloc-0.50 billion yuan and 20 10467 billion yuan. With the popularity of mobile terminals and the development of mobile e-commerce, the industry is also optimistic about the development prospects of the mobile payment market.

20 1 1 year, the mobile payment market in China developed rapidly, with the annual transaction volume reaching 74.2 billion yuan, up 67.8% year-on-year. The number of mobile payment users increased by 26.4% year-on-year, reaching 65,438+87 million. Analysys think tank predicts that the mobile payment market will maintain rapid development in the next three years. In 20 14, the transaction scale will reach 385 billion yuan, and the number of users will reach 387 million.

After 20 1 1 year, the popularity of mobile internet and mobile e-commerce has increased, which not only provides a broad business platform for mobile payment, but also cultivates users' consumption habits of online payment, which is an important catalyst for the outbreak of mobile payment market.

The popularity of smart phones has increased, and the hardware conditions to support the development of mobile payment have gradually become available.

With the rise and development of 3G technology, mobile e-commerce came into being, making mobile phones more convenient trading terminals. In recent years, the Internet in China has developed rapidly.

The continuous improvement of penetration rate has laid the most solid foundation for the rapid development of e-commerce. With the continuous development of online business activities, policies and regulations are needed to regulate the development of online market. In recent years, the state has also continuously introduced policies.

Policies and related laws to regulate the online market, such as the Electronic Signature Law.

Q3 data of 20 14 shows that the mobile payment market for third-party payment is still dominated by Alipay wallet, with a share of 79.26%, which is the in-app payment market.

In the market, Alipay also leads with a share of 66.82%. On the surface, in fact, both markets are unstable. The mobile payment of WeChat and QQ is growing rapidly, and the Baidu wallet after the integration of Baifubao should not be underestimated.

In particular, if the mobile portal of the direct number really works, Baidu wallet will have the strength to challenge Alipay and WeChat. The bigger threat is Apple.