Design of architecture for mobile payments system

Mobile payments are predicted to have a bright future as m-commerce becomes more popular. However, this promising application has not been as successful as anticipated. After analyzing the current mobile payment service in China, In order to adapt future needs of mobile payment, this paper provides a four-layer framework and a new process for mobile payment. The future framework is composed of load-bearing layer, network interface and core application platform layer, business layer, and decision-making layer; the framework with the advantages of low cost, high scalability and security can be extended and improved by the developers. Then protocols and technologies in future use and success factors are described. At last this paper brings forward future work.