【正确答案】 The emergence of mobile Internet has changed our lives, and the popularity of smart phones has subverted the traditional payment methods. With the popularity of mobile smart phones, mobile phones have changed into "mobile wallets". Almost all residents in most cities of China are now using smart phones to pay. As a service mode of paying for the goods or services consumed by the use of mobile phone, mobile payment has enjoyed a rapid development because smart phones are portable and free from constraints by time and place. The third-party payment apps such as WeChat and Alipay are developing so fast that they have opened up a new era of mobile payment.