最近幾年，以SOA(service-oriented architecture) 服務導向架構為基礎的整合系統已經被廣泛的應用在各式軟體系統整合上，而服務導向架構 SOA 的導入除了能與現有的系統共存，快速整合異質服務平台外；對於使用者而言，網路資源的擷取與分配更是便利。而手機的專屬性高，結合智慧卡IC晶片中的安全機制更可以提升安全性與使用方便性。 若能將此二種技術完善的整合，將可提供給消費者一個嶄新、方便、安全的行動交易機制。 For the recent years, it has been popular to integrate various large scale software system based on SOA(service-oriented architecture). SOA mechanism can coexist with the existing systems, and integrate with heterogeneous service platforms fast. Besides, for the users, network resources will be more easily accessed and distributed. On the other hand, after applying NFC(Near Field Communication) security mechanism to the privately cellular phones, the security of Mobile Payment is highly enhanced, and the transaction is become more convenient for the users. The integration of the both SOA and NFC cellular phone techniques will offer the consumers with a brand-new, convenient and safe mobile transaction mechanism.