“移动支付是指交易双方为了某种商品或服务而通过移动设备交换金融价值的过程”。这是广义的移动支付概念。移动支付根据支付者和受付者在支付过程中所在地理位置可分为现场支付和远程支付两种形式;根据支付额度,又可分为大额支付和小额支付两种形式。目前,全球移动支付交易规模不断扩大,国内移动支付市场交易额和移动支付用户数也不断增长。移动支付作为 “Mobile payment refers to the process by which both parties exchange financial value via mobile devices for a certain good or service.” This is a generalized concept of mobile payments. Mobile payment according to the payer and payer in the payment process where the geographical location can be divided into on-site payment and remote payment in two forms; According to the payment of credit, but also can be divided into large payments and small payments in two forms. At present, the global mobile payment transaction scale is expanding constantly, the domestic mobile payment market transaction volume and mobile payment users are also increasing. Mobile payment as