摘要：近年来，NFC应用技术在国内逐渐兴起，其中NFC支付作为新兴支付方式越来越备受关注。NFC技术在手机上的应用为运营商和银行扩展了业务，也方便了消费者和商家，目前可广泛应用于如下几个领域：停车场收费、高速公路收费、公交车收费、超市小额支付、商场小额支付、宾馆付费、旅游付费等等一些需要进行小额付费的场所，同时还可以拓展校园，企业等集团用户，为他们提供门禁、考勤、售饭等增值服务。手机NFC移动支付以其方便、快捷的支付风格，不但改变了人们赋予手机的传统“身份”，更加颠覆了人们传统观念中的支付手段与支付方式。

　　　本文简单介绍了手机NFC移动支付的概念，通过了解国内外应用现状，从产业价值链的角度，探讨手机NFC模式移动支付的价值链构成及运营模式。通过研究比较贴片、全终端、双界面卡、终端/卡协作四个解决方案，认为终端/卡协作方案是最有适合目前我国的发展情况，设计出基于手机NFC模式的我国移动支付功能。

关键词: 手机NFC，移动支付，价值链，运营模式，设计

Abstract:In recent years, NFC application technology in domestic gradually arisen, among them as a new payment NFC pay more and more attention. The application of the NFC technology on phones for operators and bank expanded the business, also facilitate the consumers and businessmen, now can be widely used in the following areas: parking charges, fees, highway bus fee, supermarket small payment, small stores, hotels, travel pay and so on some need to pay for small place, also can expand the campus, enterprise group users, to offer them the entrance guard, attendance, the sale meal value-added services. Mobile phone NFC mobile payment with its convenient, fast pay style, not only changed people give the traditional mobile phone "status," more subversion of the traditional concept of the people means of payment and payment.

This article simply introduces the concept of mobile phone NFC mobile payment, by understanding the status quo of the application at home and abroad, from the point of view of the value chain, this paper discusses the NFC model of mobile phone mobile payment value chain structure and operation mode. Through the study compares the terminal, chipping, double interface card, terminal/card cooperation four solutions, think terminal/card scheme is most suitable for cooperation in China at present, the development of mobile phone designed based on the mode of China's mobile payment NFC function.

Key Words：Mobile NFC, mobile payment, value chain, operating mode, design

　　　随着我国移动支付产业的不断发展，支付技术不断成熟，参与主体增加，移动支付模式将会日渐成熟和完善，手机NFC模式移动支付以其特有的技术和运营上的优势必然占据中国移动支付市场的主力地位。目前由于商用推广的实际成功案例仅限于日本和韩国，缺乏足够的研究资料来深入分析NFC移动支付的发展趋势以及在中国的推广模式。但是，随着产业价值链的日渐成熟和国内电子支付环境的不断完善，手机NFC模式移动支付在国内的运营将逐渐展开，而且具体运营模式与中国国情怎样密切结合，手机NFC移动支付在国内的发展，这些都值得我们进一步的研究。

　　　手机NFC移动支付功能实现的解决方案和功能设计，是实现手机NFC移动支付的核心部分。一套完善并符合国内移动支付产业发展架构的解决方案，能够使得手机NFC的应用和推广更容易被消费者接受。本文通过比较多个解决方案，认为终端/卡协作方案最适合在国内发展。结合本人根据国内的支付环境以及消费者习惯设计的功能模块，是否能够让手机NFC移动支付在未来几年迅速发展并成熟起来，需要各方面的投入实践才能验证。