进军移动支付,运营商胜算几成

2011年新春佳节过后的短短一个月时间里,电信运营商相继传出成立支付公司的消息。先是2月22日中国联通为精心筹备的支付公司正式启动对外招聘,这也是国内首个将支付业务独立出来成立专门公司的电信运营商;紧接着2月28日中国电信也传出     

运营商移动支付变局

国内移动支付已经形成了三雄争霸的局面,银行系、运营商、第三方互联网企业对移动支付市场的争夺日趋激烈。银行系虽然赢得了标准之争,但产业格局尚未成型,处于布局卡位阶段,各方均有机会。国内移动支付已经形成了三雄争霸的局面,银行系、运营商、第三方互联网企业对移动支付市场的争夺日趋激烈。银行系虽然赢得了标准之争,但产业格局尚未成型,处于布局卡位阶段,各方均有机会。     

移动支付中国版图

<正>移动改变生活,移动也能改变支付。以手机支付为代表的移动支付将给全球带来消费与生活模式的重大变革。移动支付是个什么玩意儿移动支付(Mobile Payment),就是指利用短     

基于RFID中间件技术的第三方移动支付模式研究

随着移动电话的迅速普及,移动支付模式应运而生.鉴于目前移动支付流程中所面临的信用缺失问题,提出了第三方移动支付的思想,同时结合RFID (Radio Frequency Identification)技术,设计了一种基于RFID中间件移动支付的体系结构,并对该体系结构下数据交易的安全性作了相应分析.     

电子支付的楚河汉界

近日中移动398亿元认购浦发银行20％股权,为其移动金融及电子商务业务布局。这将给第三方支付企业、电信运营商和传统银行三足鼎立的电子支付市场注入何种力量？     

基于3G的第三方移动支付模型探究

3G实施后,移动电子商务必将快速发展,移动支付也将面临更加多样化的需求。通过分析,提出了移动支付的总体模型和功能模型以及安全模型。希望可以抛砖引玉。     

移动支付：厂商需努力，用户需理解

最近和不少手机支付的厂商对于移动支付的运行机制、现在存在的问题、产业链的情况各个方面进行了交流，其中包括产业链的各个芯片、解决方案提供商和第三方支付运营商。我想，对于移动支付，厂商需要努力，用户也需要理解。     

移动领域第三方支付可由电信运营商承担

不论是手机银行卡业务还是手机钱包业务都仅仅解决了交易信息获取和传输问题,并没有深入触及到消费资金的划拨和结算问题。要真正解决移动支付所面临的困境,必须从资金流向和结算层面上来改变商业模式。作者认为将Web领域的第三方支付模式引入移动互联网,可以较为合理地解决移动支付目前面临的困境,而且移动支付领域的第三方支付可以由通信运营商来承担。     

移动支付 一切才刚刚开始

正随着移动互联网时代的到来,支付进入移动领域已经是大势所趋。移动支付本身包含了很多的元素,参与者甚众,银联、银行、运营商、储值卡、拉卡拉等等,在线下实体商家看到数台POS机、扫码仪、刷卡器甚至NFC感应器的情况也并不奇怪。然而自从微信5.0推出微信支付以来,微信支付和支付宝之间的纠葛已成为各方关注的中心。     

移动支付“风起云涌”

在2013年,移动支付如潮水般的涌入人们的生活,互联网、IT公司和第三方支付公司已经对中国银行业存在潜在的竞争,以支付宝、财付通为首的互联网支付巨头,已经借庞大的客户基础数据,借助二维码这一连接线上线下的入口,加速移动支付创新,由线上向线下渗透。     

第三方支付现状分析与发展对策

文章针对第三方支付领域监管滞后现象,解读了刚出台的《非金融机构支付服务管理办法》,认为办法明确了第三方支付非金融机构支付服务方的市场地位,加强了对于第三方支付的风险管理,但在很多方面仍有不足,使第三方支付的发展面临很多风险,尤其是对于消费者保护力度的不足,制约着第三方支付的进一步发展。     

第三方支付现状分析与发展对策

文章针对第三方支付行业飞速发展而国内对于第三方支付领域监管滞后的现状进行了分析,刚出台的《非金融机构支付服务管理办法》明确了第三方支付非金融机构支付服务方的市场地位,加强了对于第三方支付的风险管理,但在很多方面仍有不足,使第三方支付的发展面临很多风险。对于第三方支付的监管不足,尤其是对于消费者保护力度的不足,制约着第三方支付的进一步发展。     

Understanding Continuance Intention of Mobile Payment Services: An Empirical Study

Research on continued use of mobile payment services is scarce. To address part of this research gap, we examine a research model, derived from IT continuance, risk-trust, and affect-cognition literature. The results show that user satisfaction with mobile payment services has a substantive positive impact on continuance intention with such services; the disconfirmation of preadoption perceived usefulness about mobile payment services positively impacts user satisfaction and postadoption perceived usefulness; the disconfirmation of preadoption perceived risk about mobile payment services negatively impacts user satisfaction and positively impacts postadoption perceived risk; postadoption perceived usefulness is positively associated with continuance intention; user satisfaction positively impacts both institution-based trust in mobile payment technologies and trust beliefs in service providers; institution-based trust shows a positive impact on postadoption perceived usefulness and a negative impact on postadoption perceived risk.     

移动支付中公钥加密算法的研究与实现

移动支付在目前社会中应用越来越广泛,结合公钥加密算法,给出了手机号做移动支付的身份绑定介质的实例。     

移动互联网:终端、网络与服务

随着宽带无线接入技术和移动终端技术的飞速发展,人们迫切希望能够随时随地乃至在移动过程中都能方便地从互联网获取信息和服务,移动互联网应运而生并迅猛发展.然而,移动互联网在移动终端、接入网络、应用服务、安全与隐私保护等方面还面临着一系列的挑战.其基础理论与关键技术的研究,对于国家信息产业整体发展具有重要的现实意义.文中从移...     

Developing Elements of User Experience for Mobile Phones and Services: Survey,Interview, and Observation Approaches

The term user experience (UX) encompasses the concepts of usability and affective engineering. However, UX has not been defined clearly. In this study, a literature survey, user interview and indirect observation were conducted to develop definitions of UX and its elements. A literature survey investigated 127 articles that were considered to be helpful to define the concept of UX. An in‐depth interview targeted 14 hands‐on workers in the Korean mobile phone industry. An indirect observation captured daily experiences of eight end‐users with mobile phones. This study collected various views on UX from academia, industry, and end‐users using these three approaches. As a result, this article proposes definitions of UX and its elements: usability, affect, and user value. These results are expected to help design products or services with greater levels of UX. © 2011 Wiley Periodicals, Inc. This article was published online on 20 October 2011. An error was subsequently identified. This notice is included in the online and print versions to indicate that both have been corrected 13 June 2013.     

Mobile payment services adoption across time: An empirical study of the effects of behavioral beliefs, social influences, and personal traits

Mobile payment is an emerging and important application of mobile commerce. The adoption and use of mobile payment services are critical for both service providers and investors to profit from such an innovation. The present study attempts to identify the determinants of pre-adoption of mobile payment services and explore the temporal evolution of these determinants across the pre-adoption and post-adoption stages from a holistic perspective including behavioral beliefs, social influences, and personal traits. A research model that reflects the characteristics and usage contexts of mobile payment services is developed and empirically tested by using structural equation modeling on datasets consisting of 483 potential adopters and 156 current users of a mobile payment service in China. Our findings show that behavioral beliefs in combination with social influences and personal traits are all important determinants for mobile payment services adoption and use, but their impacts on behavioral intention do vary across in different stages. Theoretical and practical implications of the findings are presented.     

User and Concept Studies as Tools in Developing Mobile Communication Services for the Elderly

The basis of this study was the ageing of the population all over the world. The study concentrated on finding out the key service needs of elderly people. The service needs from the end users’ as well as the experts’ perspective were gathered by means of various group methods such ideation sessions. Four mobile communication service concepts were created using these groups’ opinions. After diverse communication, these concepts were tested by the elderly. The research methods comprised a user study and a concept study.  Based on the results, the needs could be prioritised. Additionally, the main trend of the results confirmed the opinions presented in the literature. One important finding was the positive opinions about additional value of wireless devices and services. This knowledge can be used in mobile communication product development. Most of the elderly are ready to accept new forms of mobile communication service. Ease of use and actual need of the services are important criteria. The elderly are ready to begin using the services as long as they truly facilitate independent living.