公交移动支付问题的评估方案

Evaluation Scheme of Public Transport Mobile Payment

摘要: 移动支付作为一种新发展的支付方式，现已在城市公共交通的领域中得到广泛的应用。本篇论文主要研究的是第三方支付在青岛的公交系统推行的移动支付盈利情况。本篇论文对收集到的青岛2017年2、5、8、11这四个月共28天的数据进行了统计处理，通过了解公交第三方支付的盈利模式可知手续费、沉淀资金收入、服务费和广告费等影响第三方支付盈利的主要因素，本篇论文通过青岛市支付方式的数据建立了多元线性回归模型。由模型可以知道使用移动支付的乘车人数越来越多，即社会对于移动支付的认可度是不断增加的。所以，政府及相关部门可以制定一些倾向于公交移动支付的政策。

Abstract: As a new payment method, mobile payment has been widely used in the field of urban public transport. This paper mainly studies the profitability of mobile payment implemented by third-party payment in Qingdao’s public transportation system. In this paper, the collected data of 28 days in February, May, August and November 2017 in Qingdao are statistically processed. By understanding the profit model of the third-party payment of public transport, we can know the main factors that affect the profit of the third-party payment, such as handling fees, deposited capital income, service fees and advertising fees. This paper establishes a multiple linear regression model based on the data of payment methods in Qingdao. From the model, we can know that the number of passengers using mobile payment is increasing, that is, the social recognition of mobile payment is increasing. Therefore, the government and relevant departments can formulate some policies that are inclined to mobile payment for public transport.