A Study of Hierarchical Mobile Payment System Based on Open API

With the rapid development of mobile Internet, mobile payment with its powerful convenience and operability is widely attention. This paper first discuss about several typical mobile payment pattern. Then proposes a mobile payment system based on hierarchical structure. In addition, in order to adapt to the rapid growth of mobile users and more diversified mobile payment business, we improved this payment system based on the Open API architecture. So that the mobile payment system can be more convenient for secondary development, thus, has better expansibility and portability.