mobile payment

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actually,what mean of "mobile payment"?before we use this kind of service,we need to open an account in commercial bank?the "money" is credit into mobile phone or in account that we open,i mean if we lost the cellphone,all our "money" still remain in the account,or it will lost too? do u notice any risk or what actually u scare by using "mobile payment"?have any benefit by using "mobile payment"?