Abstract:

This article,by discuss the traditional industry's business model which is generally accepted,summary of Shanghai Telecom“mobile payment”products and successful operation experience on“e ·Phone card payment”official release,analysis nine elements of China Telecom“mobile payment”which are products value proposition,target groups of consumers,distribution channels,customer relationships value configurations,core competencies,partner networks,cooperation and win-win mode.It identifies the characteristics of the mobile telecom operator's payment,difference from current public payment services and the improvement brought.At last,farther analysis of China Telecom their own resources,emphasis on the mobile payment products value chain,target customers and the customers wish,it introduce China Telecom“mobile payment”each sub-product business model design.

Key words: mobile payment, business model, value chain, win-win mode, target customer