Or retailers can use mobile network customers to mail vouchers, and they can exchange vouchers and use NFC to settle accounts. The transaction obtained in this way can be in line with the "card gift" transaction, reducing the transaction costs charged by the relevant payment network. Mobile operators can use existing talk time distributors to let consumers deposit money into virtual bank accounts. His successful complex proposal requires cooperation between the mobile industry and the retail sector, and adopts common practices to ensure that services are in place and fully interoperable, thus paving the way for future development. GSMA encourages and supports mobile operators and payment networks to try to use secure SIM cards for online transactions. We will discuss business principles and various ways for organizations to implement solutions, and we will study the most promising use cases of major payment networks for specific markets.