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Mobile payment business mode has four categories: mobile paying service, mobile wallet service, mobile banking service and mobile credit platform. The former three have been practically applied.

Abide by different roles, mobile payment industrial chain can be divided into three categories: mobile operators-based industrial chain, bankbased industrial chain and the one led by mobile payment operators. The cooperation of mobile operators and banks, with mobile payment platform operated by professional companies, can avoid inherent obstacles in information security, product development and resource sharing, etc. when third-payment platform providers join in. Also it can realize the sharing and businesses; and satisfy to the maximum the great demand of users for mobile payment service and information security. Thereby, it is the most suitable business mode for mobile payment development in China.