摘要
随着新兴通讯技术的发展和智能移动终端的普及,电子商务正演进到移动电商模式阶段,线上线下的模式相互渗透、相互影响,并趋于融合统一。传统的银行卡和纸币已无法同时满足O2O(Online TO Offline)模式的支付需求。本文从移动电子货币的发展必要性、支付应用框架构建以及应用领域发展思路三个层面上,完整阐述了现代移动电子货币的基本概念,设计思路和实现方法,提出了未来电子支付的解决方案和发展趋势。
With the development of communication technology and the popularity of smart mobile devices,e-commerce is advancing toward the mode of suppliers on the move.Online and offline modes mutually penetrate,impact and turn to integrate with each other.Traditional bankcards and banknotes have become more and more insufficient to the demands of O2O.The thesis makes an elaboration on the basic conception,designing and implementation of the modern electronic money,on the basis of the necessity of the development of mobile electronic money,the building of payment application framework and its development.The thesis proposes the solutions and trends of the future electronic payment.
出处
《上海金融》
CSSCI
北大核心
2013年第6期100-103,119,共4页
Shanghai Finance