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中文摘要：
网络购物模式的兴起，带动网上支付系统的发展，更便捷、更安全地进行在线支付成为所有用户和商家追求的目标。文章提出银行端、移动端、令牌三方面结合的移动支付解决方案，从理论分析与具体实现两个层次阐述了基于近场通信技术的移动支付令牌的可行性，并对跨平台近场通信技术通信进行了深入探讨。本系统满足移动支付的安全性和便捷性要求，能够可靠地完成支付时的身份认证功能。
英文摘要：
The rise of online shopping mode drives the development of online payment system. The more convenient and the more secure online payment becomes the purpose which all users and businesses pursue. This paper puts forward a tripartite mobile payment solution among bank, mobile terminal and token by the theoretical analysis and the optional feasibility of the system, and elaborately discusses the multiplatform NFC communication by the same time. The system can meet requests in safety and convenience of mobile payment as well as the identity authentication function during payments.
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