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AB AB STRACT Mobile payment,a developing technology based upon the radio frequency identification(I强ID)and interconnection,Can be defined鼬the behavior of the transaction through mobile phones and other mobile communication devices．With the large-scale application of 3G，Mobile payment has bet∞me a hot topic．Its technical architecture can achieve electronic payments，authentication,ticketing，data exchanging, security,advertising and SO on，and CaIl trigger a series of novd user consumption and application mode．The data from the Ministry of Information Industry showed that the total number of cust