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ElectronicPaymentJudyCherryMary杨小迎王菊仙吕华莉MobilepaymentIfoneday,youlostyourwallet…Willyoubeworried?Maybe,youhavetofilldothosecreditcard,bankcard,idcardorotherpapers.Andyoumayalsolostyourmealatthattime.But……mobilephonepurse•Takeabus•Takeataxi•Gotothecinema•Goshopping•Gotosupermarket•Andsoon……MobilephonebankWhatisMobilephonebank?•Mobilephonebankreferstomobilephonesforcarrierterminal,andrelyingonthemobilewirelessnetwork,provideforthecustomeraccountmanagement,financialservicessuchasonlinepaymentofanelectronicchannels,anditsfunctionalmostincludepeopleeveryaspectoflife.function•Aswehavelearned,currentmobilephonebankbasicallyachievedallkindsofbankbasedbusiness.Canbedividedintothreecategories:•One:Checkcaptureexpendsbusiness,includingaccountinquiry,balance,accountdetails,query,banktransferoftheelectricityandwater,telephone,etc.;•Two:shoppingbusiness,thecustomerwillmobilephoneinformationandthebankingsystembinding,throughthemobilephonebankplatformtopurchasegoods;•Three:Financialmanagementbusiness,includingpurchasingafinancialproduct,fry,etc.•Trafficbank:mobilephonebanktakenocardservice.•Accordingtothebankstaffintroduced,acardholdercanthroughthemobilephonebankinadvancetoATMwithdrawals.Aftertheappointment,thecustomertotheATMmachinewithdrawals,justmakeanappointmentbymobilephonenumber,makeanappointmentnumberandmakeanappointmentcardpasswordwithdrawals,canachievewithoutcardwithdrawals,andneednottotheATMCARDSinserted.•ForaexampleInaddition,manyBankswereonthemobileplatformloadthevalue-addedservicessuchasorderingthetickets,specialoffertickets,lotterytickets,forphone,etc,andsomeareascanevenenjoyhospitalnon-financialsectorssuchasregistrationservice.But….ifyoulostyoumobilephone…Itisnotourtopic,butifyouareinterestedinhowtopreventyourmobilephoneandnotlose,I‘dliketoshowyouavideo.Square:mobilepaymentoftheupstart•ItisconvenienttoSquaretherealizationofthefunctionofthecreditcard,youonlyneedaeffectivebankcheckaccount,andSquaresoftware.•TheindividualalsocanusethesoftwaretochargeSquarecreditcardpayments,suchasebayauctiononyouinayoudon'tfurniture,buttheothersidenocash,no,takeoutyourmobilephone,inserttheSquareSquare,brush~!Then…Doyouwanttoknowhowthesquaretorealizethepaymentprocess?Pay,withoutpaying•thisisthesloganoftheSquare,istheyaretryingtoachievetheobjectives.•SofartherearemorethanfortythousandmerchantsjoinedtheSquareoftheCardCaseprogram(4monthsagowasonlyfortwentythousand),thismeansthatinthisfortythousandmerchantsconsumptionyouonlyneedtospeakhisnamecancompletepayment.Ifyouwantacoffee….•Whenyougettoacoffeeshopwithin100meters,aSquareoftherestaurantwillthroughapplicationGeofencingtechnologytobeautomaticperceptiontoyourarrival,andfindingyouraccountnameandphotomaterial.•Onceyoupurchaseacupofcoffee,youjustneedtosayyourname,thecashierconfirmphotosonpersonisyou,soshecanpresspayokbuttontocompletepayment,youcancarrycoffeego.Soonyouwillreceiveapushnotificationtoldyourconsumptionamountandsendyouanelectronicinvoice.•Suchpaymentexperiencecansaythatcompletelyconsumersandbusinessmenrealizingseamlessdocking,thefuturemaybeinstorewillnotseethelonglinesinthefrontrow.•AnotherdomesticunionpayalsohasstartedandentrepreneurialcompaniesasSquaresimilarmobilepaymentservices,butiscurrentlyinthefirststage,therealizationofpayanddon'tpayexperienceisnospecificdate.•In2012,mobileelectronicbusinessisanimportantyear.Thisyear,ifthecellphoneofyourpurse?Ifthecellphonewillbeyourshoppingpartner?Whetheryouwillusemobilephoneuserstousersofthedeal?Oryoucouldusetheircellphonestoplayangrybirdsandaccessemail?Ibelievethatallthisispossible.Thisyear,wereallystartedtothinkaboutthefutureofthemove.Summary