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With the development of the mobile networks, mobile payment provides a convenient way for the transactions in e-commerce. in this paper, we propose an efficient mobile payment model and its two applications. in the proposed model, mobile operator provides the mutual authentication and anonymity between a merchant and a customer. Because mobile operator is a credible center on mobile networks, the merchant and the customer can authenticate with each other through mobile operator. Based upon the proposed model, the customer can securely and efficiently complete the payments in the mobile environments. Unlike the previous protocols, the proposed protocol does not require a trusted third-party center for transactions. It makes the mobile payments easier to implement. Furthermore, the communications between the customer and the merchant can be also greatly reduced.