The report of the 20th National Congress of the Communist Party of China proposes to accelerate the development of the digital economy, promote the deep integration of the digital economy and the real economy, and create a digital industry cluster with international competitiveness. As an important component of the digital economy, mobile payment "tentacles" are extending to multiple locations and multiple scenarios, promoting a high degree of integration of digital scenes and people's lives. Mobile payment security is one of the keys to the healthy development of the digital economy. Industry insiders say that the birth and popularization of mobile payment not only brings great convenience to people's daily life and travel, but also brings many issues related to personal information and property security. Mobile payment security requires the joint efforts of governments, enterprises, and consumers to build a strong "firewall" against fraud and counter fraud. The number of digital life scenarios is increasing. Recently, China UnionPay released the "2022 Mobile Payment Security Survey Report" (hereinafter referred to as the "Report"), which shows that 77.5% of mobile phone users use mobile payment every day, with nearly 11 commonly used scenarios, a further increase compared to 2021. As of June 2022, the number of online payment users in China reached 904 million, an increase of 810000 compared to December 2021. China's overall mobile payment market coverage ranked first in the world. With the further popularization of intelligent devices, mobile payment has quickly occupied the market with its fast and convenient characteristics, becoming one of the important means of payment. Mobile payment refers to activities such as shopping transactions, payment, and inter account transfers conducted through mobile terminal devices such as mobile phones and handheld computers, using mobile networks and mobile payment systems. In 2007, with the rise of smart phones, the Internet developed towards the direction of mobile internet, and mobile payment gained more novel and diversified application scenarios such as online shopping, social transfer, public utility payment, community group purchase, and so on. According to the Report, the three basic scenarios surrounding residents' daily lives, namely "shops, convenience stores, and restaurants", "small vendors, vegetable markets, and fruit shops", "water, electricity, coal, and network fees", have become the most frequent occasions for mobile payment. 81.2%, 73.1%, and 74.1% of respondents said they would use mobile payment in these three scenarios, a further increase from 78%, 68%, and 71% last year. "Mobile payment breaks the limitations of traditional payment on time and space, and helps users conduct payment activities anytime and anywhere. Especially for some elderly or mobility impaired groups, mobile payment allows them to purchase desired products through a mobile phone without having to go out of the house, pay the required water, electricity, and coal network fees, etc. Mobile payment also facilitates the management of their accounts by payment users and payee merchants, making it easy for users to easily manage their accounts." "Query your account balance and transfer records." Pang Ming, chief economist and research director of Jones Lang LaSalle in Greater China, said. It is worth noting that in terms of payment security, the number of user unsafe behaviors has shown a significant decline. According to the survey, in 2022, the average user interviewed had 1.2 unsafe habits, while in 2021, the average user had about 2 unsafe habits. "All payment passwords are the same," "QR codes with promotional offers will attempt to scan," "Do not remove bank cards and do not delete stored sensitive information when replacing a new phone," and other adverse behaviors have significantly decreased.