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王wang小xiao姐jie是shi乘cheng地di铁tie上shang班ban一yi族zu，通tong常chang路lu途tu中zhong无wu聊liao而er冗rong长chang。而er今jin王wang小xiao姐jie却que格ge外wai兴xing奋fen，她ta正zheng通tong过guo手shou机ji上shang网wang“逛guang”手shou机ji商shang城cheng，几ji分fen钟zhong后hou，她ta就jiu选xuan中zhong了le一yi件jian中zhong意yi的de外wai套tao下xia单dan并bing支zhi付fu成cheng功gong，优you惠hui而er新xin颖ying的de购gou物wu体ti验yan给gei她ta带dai来lai了le不bu少shao消xiao费fei乐le趣qu。这zhe是shi记ji者zhe从cong财cai付fu通tong用yong户hu中zhong了le解jie到dao的de真zhen实shi案an例li，王wang小xiao姐jie使shi用yong的de就jiu是shi财cai付fu通tong与yu某mou购gou物wu网wang站zhan合he作zuo开kai通tong的de手shou机ji商shang城cheng业ye务wu。实shi际ji上shang手shou机ji购gou物wu只zhi是shi财cai付fu通tong手shou机ji支zhi付fu业ye务wu一yi个ge很hen小xiao的de缩suo影ying，随sui着zhe移yi动dong互hu联lian网wang应ying用yong的de逐zhu步bu普pu及ji，3G网wang络luo牌pai照zhao即ji将jiang发fa放fang，传chuan统tong互hu联lian网wang的de业ye务wu正zheng在zai迅xun速su向xiang手shou机ji平ping台tai上shang转zhuan移yi，搜sou索suo、资zi讯xun、邮you箱xiang、聊liao天tian、购gou物wu、支zhi付fu等deng应ying用yong都dou会hui在zai手shou机ji上shang实shi现xian。对dui此ci财cai付fu通tong总zong经jing理li刘liu颖ying麒qi表biao示shi，“手shou机ji支zhi付fu的de未wei来lai就jiu是shi人ren手shou一yi部bu移yi动dong的dePOS机ji（电dian子zi收shou银yin终zhong端duan），不bu论lun网wang上shang网wang下xia业ye务wu均yun可ke应ying用yong，用yong户hu随sui时shi随sui地di手shou机ji支zhi付fu，这zhe将jiang带dai给gei用yong户hu带dai来lai最zui便bian捷jie的de体ti验yan。”
财cai付fu通tong相xiang关guan负fu责ze人ren介jie绍shao，财cai付fu通tong手shou机ji支zhi付fu业ye务wu将jiang陆lu续xu拓tuo展zhan到dao日ri常chang生sheng活huo的de多duo个ge方fang面mian，用yong户hu不bu但dan可ke以yi通tong过guo手shou机ji上shang网wang查cha询xun余yu额e、账zhang户hu管guan理li，还huan能neng购gou物wu付fu款kuan、手shou机ji游you戏xi充chong值zhi、话hua费fei充chong值zhi，而er且qie未wei来lai更geng可ke以yi支zhi持chi水shui电dian煤mei通tong信xin等deng公gong共gong事shi业ye缴jiao费fei。记ji者zhe进jin一yi步bu了le解jie到dao，目mu前qian财cai付fu通tong拥yong有you的de合he作zuo商shang家jia已yi经jing超chao过guo29万wan户hu，业ye务wu范fan围wei涵han盖gai商shang旅lv客ke票piao、游you戏xi点dian卡ka、消xiao费fei电dian子zi、公gong共gong事shi业ye缴jiao费fei等deng各ge个ge领ling域yu。艾ai瑞rui机ji构gou分fen析xi师shi张zhang艳yan平ping就jiu此ci谈tan到dao：财cai付fu通tong所suo拥yong有you的de庞pang大da用yong户hu群qun体ti和he商shang户hu资zi源yuan，为wei其qi进jin入ru手shou机ji支zhi付fu市shi场chang提ti供gong了le充chong分fen资zi源yuan后hou盾dun。随sui着zhe这zhe些xie商shang户hu陆lu续xu开kai通tong手shou机ji支zhi付fu渠qu道dao，创chuang新xin的de应ying用yong将jiang刺ci激ji用yong户hu关guan注zhu更geng有you价jia格ge优you势shi、更geng加jia便bian捷jie的de网wang络luo购gou物wu市shi场chang。
近jin年nian来lai中zhong国guo移yi动dong、中zhong国guo银yin联lian等deng重chong量liang级ji企qi业ye纷fen纷fen试shi水shui手shou机ji支zhi付fu应ying用yong，一yi些xie大da型xing电dian子zi商shang务wu网wang站zhan也ye在zai陆lu续xu构gou建jian手shou机ji购gou物wu平ping台tai，手shou机ji支zhi付fu市shi场chang日ri渐jian趋qu于yu成cheng熟shu。易yi观guan国guo际ji发fa布bu的de《2008年nian第di二er季ji度du中zhong国guo第di三san方fang支zhi付fu市shi场chang季ji度du监jian测ce》所suo载zai数shu据ju显xian示shi，中zhong国guo第di三san方fang电dian子zi支zhi付fu市shi场chang在zai2008年nian第di二er季ji度du的de交jiao易yi额e相xiang当dang可ke观guan，互hu联lian网wang支zhi付fu达da到dao505.12亿yi元yuan，而er手shou机ji支zhi付fu也ye达da到dao了le32.81亿yi元yuan。另ling据juCNNIC的de报bao告gao显xian示shi，截jie至zhi2007年nian底di，我wo国guo手shou机ji网wang民min人ren数shu为wei5040万wan，而er手shou机ji用yong户hu总zong数shu已yi突tu破po6亿yi，上shang网wang人ren数shu不bu足zu总zong量liang的de1/10。从cong数shu据ju上shang可ke以yi明ming显xian发fa现xian，除chu了le传chuan统tong的de网wang上shang支zhi付fu之zhi外wai，手shou机ji支zhi付fu市shi场chang还huan有you巨ju大da的de发fa展zhan空kong间jian和he用yong户hu潜qian力li亟qi待dai开kai发fa。刘liu颖ying麒qi对dui记ji者zhe强qiang调tiao说shuo，“手shou机ji支zhi付fu是shi财cai付fu通tong未wei来lai的de核gai心xin战zhan略lue之zhi一yi，随sui着zhe智zhi能neng手shou机ji终zhong端duan的de普pu及ji以yi及ji3G业ye务wu的de发fa展zhan，手shou机ji支zhi付fu将jiang带dai给gei用yong户hu更geng佳jia的de体ti验yan，未wei来lai甚shen至zhi可ke能neng取qu代dai传chuan统tong网wang上shang支zhi付fu，手shou机ji支zhi付fu将jiang成cheng为wei电dian子zi货huo币bi时shi代dai的de一yi大da飞fei跃yue。”
据ju了le解jie，财cai付fu通tong目mu前qian已yi开kai通tong了le银yin行xing卡ka支zhi付fu、账zhang户hu支zhi付fu、电dian话hua支zhi付fu和he最zui新xin的de手shou机ji支zhi付fu等deng多duo种zhong支zhi付fu渠qu道dao。前qian不bu久jiu又you推tui出chu了le上shang门men收shou款kuan，网wang吧ba、便bian利li店dian充chong值zhi等deng线xian下xia渠qu道dao，从cong整zheng体ti上shang看kan，财cai付fu通tong的de业ye务wu布bu局ju正zheng日ri臻zhen趋qu于yu完wan善shan。目mu前qian，财cai付fu通tong与yu中zhong国guo电dian信xin合he作zuo的de网wang上shang缴jiao费fei、与yu南nan方fang航hang空kong合he作zuo的de机ji票piao专zhuan区qu、与yu百bai联lian合he作zuo的de网wang上shang商shang城cheng等deng业ye务wu都dou已yi实shi现xian了le规gui模mo化hua增zeng长chang，这zhe些xie成cheng型xing业ye务wu都dou有you望wang与yu财cai付fu通tong手shou机ji支zhi付fu平ping台tai展zhan开kai深shen入ru合he作zuo。 【更geng多duo内nei容rong请qing关guan注zhu科ke技ji频pin道dao】
【原文】
