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Mobile Payment Pattern Based on Multiple Trusted Platforms - China Case

机译:基于多个可信平台的移动支付模式-中国案例

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摘要

With the fast development of mobile business, mobile payment is becoming widely available. Although there is a wealth of academic literature examining mobile payment, the existing mobile payment processes are lack of trust mechanisms, and there are no unified standards for physical and virtual mobile payments. Furthermore, in current mobile payment pattern, applications are difficult to be connected with banks. To solve this problem, this paper gives a general framework of online mobile payment and presents a new mobile payment pattern which advocates stratified extension and cascading agent based on stable and credible platform group. It also proposes a cross-bank unified payment platform to solve the difficulties of connection to banks. As a result, we can get regular, effective and monitoring payment process which is of great maneuverability. The mobile payment process will be more reasonable and the transaction will be more secure.
机译:随着移动业务的快速发展,移动支付变得越来越广泛。尽管有大量研究移动支付的学术文献,但是现有的移动支付过程缺乏信任机制,并且对于物理和虚拟移动支付没有统一的标准。此外,在当前的移动支付模式中,应用程序难以与银行连接。为了解决这个问题,本文给出了一个在线移动支付的总体框架,提出了一种新的移动支付模式,该模式提倡基于稳定可信平台组的分层扩展和级联代理。它还提出了跨银行统一支付平台,以解决与银行连接的困难。结果,我们可以获得定期,有效和可监控的付款流程,并且具有很大的可操作性。移动支付过程将更加合理,交易将更加安全。

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