美国是信用卡使用大国,近年来在非接触式支付上有所进展。本文就美国零售业结算变迁的经纬分析美国消费市场的悄然变化。结合传统的流程,利用RFID或NFC的非接触技术从卡发展为手机,反过来又在统合信用卡、非接触卡,手机支付的大一统局面必将形成。本文还从市场经济、政府支持、反恐和生活应用等多个层面分析了中美在RFID发展中的差异。 The United States, a big country in credit card use, has made some progress in contactless payments in recent years. This article analyzes the quiet changes in the consumer market in the United States based on the changes in retail sales in the United States. Combined with the traditional process, the use of RFID or NFC contactless technology from the development of the card into a mobile phone, in turn, unified credit card, contactless card, mobile payment will be formed unified situation. The article also analyzes the differences between China and the United States in the development of RFID from the aspects of market economy, government support, anti-terrorism and life application.