关于欧洲主要手机支付系统的研究[外文翻译].doc

标题：A study of major Mobile payment systems functionality in Europe 原文：Abstract- Mobile payment is an exciting domain, which will rapidly evolve in the years to come. The key to Mobile payment acceptance is in the hands of customers. In this paper first some of the major European Mobile payment systems are introduced and on security, cost, convenes and functionality requirement criteria, then the results of past researches about the customer and merchant adoption of Mobile payment systems (mp) are reviewed and barriers and drivers from both customer and merchant view are compared. Here by, this paper tries to find shortcomings in major mp systems and presents the major barriers and drivers to wide spread adoption of mobile payment from both customer and merchant point of view. I、INTRODUCTION With the flourishing of electronic commerce and widespread use of mobile devices, a new type of service is emerging that extends e-business using wireless technology by enabling e-commerce services on mobile devices.Mobile payments are payments for goods, services, and bills with a mobile device (such as a mobile phone, smart-phone, or personal digital assistant (PDA) by taking advantage of wireless and other communication technologies. The key to mobile payment acceptance is in the hands of customers. The most important problem to broad acceptance and usage of an mobile payment (MP) procedure is the obtainment of a critical mass. This tends to be an hen-egg-problem: On the one hand customers will not use the procedure unless a significant number of merchants accepts it, on the other hand merchants will not be willing to accept the procedure unless a significant number of customers uses it. At present, there are many examples of successful mobile payment applications such as the mobile content market which has developed into a billion dollar business, PayPal. Wider adoption of mobile payments, however, has not been as rapid or widespread as expected and there is a long list of di