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Research on Micropayment in Moblie E-Commerce

Author: HuangJing
Tutor: LiYuHai
School: Central China Normal University
Course: Information Science
Keywords: Mobile-Commerce Micropayment PayWord
Type: Master's thesis
Year: 2006
Downloads: 744
Quote: 8
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With the fast development of wireless communication technology and Internet, the business of mobile communication is changing from the former voice business to data business. Though, the traditional e-commerce brings users with the convenience and pleasure through the Internet, it lacks of mobility and it is not convenient. Therefore, Mobile E-Commerce can remedy this kind of short-coming, it becomes a new commercial trend, with its characteristic of convenience and omnipresence. Especially, because payment is an important procedure of the commercial affair, Mobile E-Commerce will unavoidably promote appearance and application of mobile payment.At present, almost all mobile payment services are Micropayment based on SMS and WAP, Macropayment involving the bank has got some certain achievements, for example, i-mode. It makes the Macropayment research has the very great difficult due to un-public technology and higher securityNicholas Negroponte, head of the MIT Media Laboratory, proclaimed in 1998, "You’re going to see within the next year an extraordinary movement on the Web of systems for Micropayment." Jupiter forecasts that Micropayment market will grow to $31 billion in 2009.Especially with the development of the mobile network and swift and violent growth of mobile subscriber, the sale of the information products is paid close attention to more and more. Because of the characteristic of the information goods, the turnover is small, trade frequency is high, security requirement is not high, we can utilize mobile phone , PDA to surf the Net and appreciate a MPEG film or listen to a MP3 song online whenever and wherever. At present , Micropayment has a very great advantage in security and convenience.There is still little scholar study on Micropayment at home and abroad, especially at home. On the basis of the current situation of domestic and international Mobile E-Commerce, I point out that as an important procedure in the Mobile E-Commerce, whether the mobile payment is carried out well will directly influence the expansion of the Mobile E-Commerce. Now according to quantity of turnover, mobile payment includes Macropayment (above $10) and Micropayment (under $10). Firstly, the securityis very important to Macropayment, however, the present practical payment cannot fully satisfy the security. So the Macropayment needs further improvement, and this is a critical problem that will expand the development of Mobile E-Commerce in the future. Therefore, Micropayment is popular now;Secondly, basing on the contrast analysis about domestic and international Micropayment introduction, this paper expounds the concept of Micropayment systematically, emphasis on the analysis of Micropayment protocol, especially analyses the WMP ( Wireless Micropayment Protocol ) comprehensively and systematically;Thirdly, Encryption Technology, Authentication Technology and WAP are put up in secure transaction of Micropayment;Finally, combining practical application, this paper applies Micropayment to mobile data service.

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CLC: > Industrial Technology > Radio electronics, telecommunications technology > Radio electronics applications
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