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Research on the Fourth-Party Mobile Payment Model

The fourth-party mobile payment model aims at solving problems of benefit distribution, resource conflict, regulation, tax, technical standards and other issues in the industry of the mobile payment. Firstly, the theories of the fourth-party payment together with the fourth-party payment model were introduced based on the situation of the mobile payment as well as to solve the problems in the development of the mobile payment in China. Secondly, the four-layer model and the operational process of the fourth-party mobile payment model were illustrated in detail. Finally, the feasibility of the fourth-party mobile payment model was demonstrated and the challenges that may exist in the process of actualizing were put forward.