What are the advantages and disadvantages of mobile payment?

1, easy to manage

Users can carry out various payment activities through their mobile phones anytime and anywhere, manage personal accounts with functions such as inquiry, transfer, payment and recharge, and users can also know their own consumption information at any time. This provides great convenience for users' life and is more convenient for users to manage personal accounts.

2. Time and space are very limited.

Mobile payment in the Internet era has broken the time and space limitations of traditional payment, enabling users to make payment activities anytime and anywhere. Traditional payment is mainly cash payment, which requires users and businesses to pay face to face.

Therefore, there are great restrictions on the time and place of payment; Mobile payment is mainly based on mobile phone payment, and users can use their mobile phones for payment activities anytime and anywhere, regardless of time and space constraints. For example, users can shop and pay in online shopping malls such as Taobao at any time.

Disadvantages of mobile payment

1, mobile payment has great security risks.

Due to the rapid development of mobile payment and imperfect security system, it is vulnerable to Trojan horses and hackers. However, there are a large number of users' personal information and consumption records in the mobile payment platform. Once these are obtained by criminals, the consequences will be unimaginable. Not only the privacy of users will be violated, but also the detailed data of citizens' income and expenditure will be leaked. If security risks are not eliminated, mobile payment will not develop smoothly.

2. Mobile payment has an impact on paper money.

Mobile payment uses electronic money in transaction engineering. With the gradual popularization of this payment method, the circulation of paper money will definitely decline, and people will use paper money less and less, so someone puts forward: "Mobile payment means will eventually replace paper money."

Mobile payment type

1. According to the payment amount, mobile payment can be divided into small payment and large payment. Micro-payment service refers to the cooperation between operators and banks to establish accounts with pre-stored fees, and users send remittance instructions through mobile communication platforms to remit fees. Large payment means that the user's bank account is bound to the mobile phone number, and the user conducts transactions on the bank card bound to the mobile phone in various ways.

2. Mobile electronic payment can be divided into remote payment and on-site payment according to whether the payer and the payee are in the same place at the time of payment. If you buy ringtones through your mobile phone, it's remote payment, while if you buy drinks from the vending machine through your mobile phone, it's on-site payment.

3. According to the different implementation methods, mobile payment can be divided into two types: one is to complete payment through remote control such as SMS and WAP. The other is to complete the payment through short-distance contactless technology. The main short-range communication technologies are RFID, NFC, Bluetooth, 802.438+0438+0, etc.

Refer to the above? Baidu encyclopedia-mobile payment