At present, almost all the mobile payment is based on SMS, WAP while the macro-payment system involving the bank is only at the stage of experimentation.

• 摘要目前移动支付几乎都是基于SMS和WAP的小面额的支付（即微支付），涉及银行作为参与方的大额支付（即宏支付）在少数国家正处在试验阶段。