摘要:近年来，随着互联网和无线通信的快速发展，移动互联网呼之欲出，移动支付作为电子商务支付手段的市场空间发展迅速。但是由于基于RFID技术的移动支付在国内的发展受到各种因素的制约，在实用性以及安全性、便捷性方面较为欠缺，其发展速度已无法满足公众对移动支付不断增大的需求。

　　　所以，笔者通过对国内外基于RFID技术的移动支付的研究，以及对现有移动支付方案进行研究分析，发现其中存在的主要问题，并针对主要问题提出简化支付流程、扩大支付范围和额度、提高安全性能、降低投资使用成本的方案以推动移动支付的快速发展，确定移动支付的最佳商业模式，构建一个安全可靠的移动支付平台。

关键词：移动支付，RFID技术，安全，解决方案

Abstract:In recent years, as the internet and the rapid development of wireless communication, mobile internet be vividly portrayed, mobile payment as e-commerce payment instrument market space development rapidly. But because of mobile payments based on RFID technology in domestic development is restricted by various factors, in terms of practicality, safety, convenience is relatively lack, its development speed has been unable to meet the public demand for mobile payment increased.

　　　So, the author through to the domestic and foreign mobile payment based on RFID technology research, as well as to the existing mobile payment solutions for research and analysis, found that there were major problems, to simplify the payment process, the main problems for expanding the scope of the payment and credit, improve safety performance, to reduce the use cost and investment for the project to promote the rapid development of mobile payment, determine the optimal business model of mobile payment, mobile payment platform, to build a safe and reliable.

Keywords: Mobile-Payment, RFID-technology, Security, Solution