基于NFC技术的移动支付方式  

Mobile payment methods based on NFC technology

作　　者：于涧 刘红星 于泽翔 YU Jian;LIU Hongxing;YU Zexiang(College of Mathematics and Systems Science,Shenyang Normal University,Shenyang 110034,China;Sydney Smart Technology College,Northeast University,Shenyang 110819,China)

机构地区：[1]沈阳师范大学数学与系统科学学院,沈阳110034 [2]东北大学悉尼智能科技学院,沈阳110819

出　　处：《沈阳师范大学学报(自然科学版)》2025年第1期24-27,共4页Journal of Shenyang Normal University:Natural Science Edition

基　　金：教育部供需对接就业育人项目(2024011234627)。

摘　　要：全球经济持续发展,成千上万的交易每时每刻都在产生,支付方式在其中起着关键的作用。支付方式始发于原始时代,至今支付方式至少经历了4次变革。移动支付指移动客户端利用手机等电子产品来进行电子货币支付,将互联网,终端设备、金融机构有效地联合起来,形成一个新的支付体系。目前常用的支付方式有扫码支付现金支付,及其他方式。移动支付覆盖各个领域。基于NFC技术的移动支付方式利用技术自身特点,提高支付效率,优化用户体验。首先阐述支付方式的发展历程,而后分析NFC技术原理及特点、现状与挑战,最后得出结论:基于NFC技术的移动支付方式在支付方式发展历程中具有重要意义。With the continuous development of the global economy,thousands of transactions are generated every minute,and payment methods play a key role in them.The method of payment originated in primitive times and has undergone at least four changes.Mobile payment refers to the use of mobile phones and other electronic products to make electronic money payment by mobile clients,which effectively combines the Internet,terminal equipment and financial institutions to form a new payment system.At present,the commonly used payment methods are scanning code payment,cash payment,and other methods.Mobile payment covers various fields.The mobile payment method based on NFC technology uses the characteristics of the technology itself to improve the payment efficiency and optimize the user experience.First,the development of payment methods is described.Then it analyzes the principle and characteristics of NFC technology,the status and challenges.It is concluded that the mobile payment method based on NFC technology is of great significance in the development of payment methods.

关 键 词：支付方式 移动支付 NFC 支付效率 

分 类 号：TP393[自动化与计算机技术—计算机应用技术]