论文选择了中国的支付宝、韩国的TOSS作为研究对象，对两款移动支付软件的功能进行了比较。中国用户最多、技术先进，移动支付系统在蓬勃发展。韩国提供与中国不同的移动支付服务，设立网上银行，根据韩国的实际情况构建支付服务。两国的在线支付服务都需要不断革新不断提高安全性能，更好地服务用户。

In this paper, Alipay in China and TOSS in South Korea are selected as the research objects, and the functions of the two mobile payment software are compared. China has the most users and advanced technology, and mobile payment systems are thriving. South Korea provides mobile payment services that are different from China, setting up online banking, and constructing payment services based on the actual situation in South Korea. In the future, it will be a more convenient and fast cashless society. Therefore, online payment services in both countries need to be constantly innovated to improve security and better serve users.