Analysis of key technologies from WAP to RFID mobile micropayment

1. Key technical advantages and disadvantages of micro-payment

1) Advantages of IVR: high stability, good real-time performance, relatively simple system implementation, no requirements for users' mobile terminals, simple user operations, service providers can easily upgrade the system and continuously provide new services. Disadvantages: the service operations are complex, time-consuming, and communication costs are relatively high, which is not suitable for large payment.

2) Advantages of SMS: simple business implementation and fast response. Disadvantages: STK cards with poor security, cumbersome operations, poor interactivity, uncertain response time, and specific bank interface information need to be replaced in STK mode.

3) WAP advantages: the menu options are easy to modify, the data transmission rate is fast, and the connection-oriented browser method is highly interactive. Disadvantages: terminal support is required. The support of mobile operators varies by region.

4) Advantages of IrDA: low cost, high terminal penetration rate, and hard to be disturbed. Disadvantage: the transmission distance is limited, and the signal has a direction. 5) Advantages of Bluetooth: high terminal penetration rate, long transmission distance, and no signal direction. Disadvantages: high costs and high interference.

6) Advantages of RFID: it provides unique product identification and fast and efficient billing process. Disadvantages: High tag costs, large investment in infrastructure construction, infringement of buyers' privacy, inconsistent standards, high error rate, and huge data traffic.

2. Comparison of implementation methods of mobile micro-payment

1) mobile payment implemented by SMS, WAP, and other methods has obvious defects: ① SMS input for complex services is inconvenient. ② The interaction between customers and banks is poor. ③ The service implementation takes a long time. Even for the WAP Wireless Internet, due to network connection speed and data transmission speed and other factors, payment implementation takes quite a long time. Because of the exchange and interaction, the payment process takes a long time to wait and the real-time performance is poor. ④ Poor security, especially when the text message content is clearly transmitted, the customer password and other elements should appear. If the user's mobile phone is stolen, the third person will be exposed to the payment information of the original user, because these messages have been stored in users' stolen mobile phones.

2) Close-up technology has obvious advantages: ① on-site real-time payment. ② The operation is simple. The user only needs to implant a cell phone without access to chips and antennas and shake it in front of a special reader. Then, the payment data, bills, or user identity authentication information can be transmitted to mobile operators or financial institutions through radio waves. ③ Use other media such as security and no password for transmission to ensure information security. In addition, you can set protection information to prevent the loss of mobile phones from being used by others. ④ Continuous R & D and test of the close-up technology, which can meet the information exchange, content access, and service exchange between any two wireless devices, and make it more simple-as long as any two devices are near and do not need to be plugged in, they can communicate with each other.

3. Practical selection of mobile micro-payment

The rapid development of mobile payment technology will undoubtedly make the mobile payment business more and more convenient and secure in real time, but technology is only an important element of advanced productivity. Only in the effective use of advanced technology in the operation model, to truly realize the modern life experience.

According to market research, more than 80% of the current payment activities belong to the scope of small payments, and for consumers, it is the focus of current research to have a mobile terminal to achieve all transaction activities. With the features of strong portability, low network resource consumption, low server load, user-friendly interface, and high confidentiality, j2_m's is very suitable for mobile payment platform development. The Mobile Payment System with the j2-based platform requires the ease of operation and quickness when making small payments, and some face-to-face small payments at close distance, it is more convenient than cash, card-type consumption, and long-distance payment.

1. Difficult RFID Application
2. Analysis of wireless mesh network, Zigbee and RFID