The main problem of Chinese mobile e-commerce at present is its insufficient modes of payment. Therefore, the research on brand-new and high-efficiency form of mobile payment is very important for the development of Chinese mobile e-commerce. There are two forms of mobile payment in China at present, namely mobile fee account payment and bank card mobile payment. The paper brings forward a new form of mobile payment by referring to the advantages of the existing two forms of mobile payment and aiming at their disadvantages at the same time.
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