基于j2me平台的移动支付系统及其应用前景研究-企业管理专业论文.docxVIP

南京航空航天大学硕士学位论文 摘 要 网上支付是电子商务活动中一项的重要组成，网上支付解决方案向来是电子商务技术研究 的热点与难点。随着数字通讯技术和无线互联网技术的迅猛发展，移动终端的大规模普及，移 动电子商务有着光明的发展前景，移动支付（Mobile payment）应运而生。移动支付是指参加 商品交易的双方利用移动设备进行商品交换过程。由于用户需要通过移动终端进行业务访问， 并通过无线网络传输机密数据，因此安全性、便捷性、私密性、易用性成为了移动支付的最重 要的几个问题。 目前国内外移动支付几乎都是小额支付，涉及银行作为参与方的大额支付的应用是当前移 动支付的研究热点。随着移动支付技术的进步以及无线信道带宽的增加和移动设备的升级,再加 上社会需求分析，移动支付系统是传统支付强有力的补充，移动支付平台建设技术越来越受到 业界和学术界的关心和重视。 本文分析和对比几种现行的移动支付系统的体系结构和不同移动支付技术实现方式的优缺 点，讨论基于 J2ME 平台的移动支付系统的特点和优越性。着重研究了基于 J2ME 平台的移动 支付系统的系统构架。结合上述的研究，提出了一个基于 J2ME 在线书店移动交费系统和结合 采用 RFID 技术的手机门票系统。 与此同时，从商业角度全面分析和探讨了移动支付领域的发展现状和前景，包括移动支付 产业链的构成，对产业链参与要素进行 SWOT 分析，市场推广策划和效益预测。 关键词：J2ME，移动支付，产业链，SWOT 分析 I Abstract Payment on line is the important part of E-commerce business process,and the solution of Payment on line is the hot and difficult parts of the EC research.With the rapid development of data communication technology , wireless internet technology and the growth of mobile terminal penetration,mobile E-commerce has a brilliant future. Mobile payment ,the solution of capital flows,emerges as the times require. Mobile payment is the process of two parties exchanging financial value using a mobile device in return for goods or services.As the users have to operate the mobile terminal and send confidential information via wireless network, security ,convenience, confidentialilty and easy operation become the most important problems in mobile payment. Mobile payment application was mainly micro-payment at home and abroad. The bank as a participant to join in the macro-payment is a hot research topic at the present.With the advancement of mobile payment technology,the increasement of the wireless channel bandwidth,the upgrading of the mobile terminal,and the requirement of the society, mobile payment is an effective supplement of the traditional payment method. Construction technology of mobile payment system is paid attention more and more by the industry and academic. The paper discusses the features and advantages of the mobile payment