A Cross-Platform Mobile Payment Solution Based on Web Technology

With the rapid development of mobile Internet, more and more companies transfer their business to M-Commerce, and more and more users make consumption payment through mobile devices. However, the diversity of mobile devices and the security of payment are always the key factors that restrict the development of M-Commerce. This paper proposes a secure mobile payment solution that can be integrated quickly, and can effectively solve the cross-platform issues brought by terminal diversity by using Web technology. In order to protect the security of the payment process, the third-generation mobile payment standard CUPMobile of China UnionPay is applied in this solution. Currently, this solution has been successfully applied in the mobile phone payment of China UnionPay and is proved to be feasible by practice.