Research on mobile development-mobile payment technology

Mobile development

- discussion on mobile payment technology

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With the development of bank card chip, the booming of mobile communication network and the rapid popularization of smartphones, mobile finance based on mobile payment has gradually entered the area of financial services and people's livelihood. Now on

Mobile development

The mobile payment technology architecture, especially the mobile payment technology model based on the financial IC card, is discussed.

First, mobile payment technology architecture

Mobile payment

The application is mainly divided into two categories: remote payment and near-field payment. Remote payment refers to the mobile terminal through the mobile communication network access, directly with the background server to complete the transaction processing payment method. From the terminal carrier, mobile remote payment can also be divided into two categories, which are based on se mode and no se mode. The SE-based model refers to a financial function in the terminal chip that complies with the PBOC standard, and the client software uses the SE-based Security Service application to sign and verify the message. No SE mode refers to the chip only mobile communication function, do not have financial functions, generally through the password, SMS and other means of mobile phone authentication.

Near-field payment means the payment method that the mobile terminal completes the transaction processing online or offline through the physical reception terminal (POS, ATM) at the trading site. Near-field payment mainly refers to the model based on SE, the financial function of the terminal chip is equivalent to the general Financial IC card function. Other near-field payment models without SE, such as offline QR code payment, are not currently promoted as trusted payment technology due to lack of security technology such as password authentication.

Payment content platform is the platform for providing the content of goods or services; The remote payment system provides the functions of mobile terminal access, transaction information and settlement data processing for remote payment; The receiving system is responsible for the generation and transfer of the online transaction information and the collection, collation and submission of the settlement data. Transfer clearing system to achieve business transfer across agency payments , clearing and settlement functions; account management system for bank card accounts or non-bank card settlement accounts to provide funds management, settlement and other services; Access channels refer to SMS, OTA and special terminals and other access methods; TSM (trusted service Management) is the entity responsible for the management and application lifecycle management of mobile payment security unit; The application provider system provides a variety of mobile payment applications; The public service platform is a trusted third-party system approved by mobile payment participants, providing institutional registration access, application registration, cross-TS m interactive transfer, SE trusted management , se open sharing function, application sharing and other functions.

Second, the service-side operation cooperation mode

1. Direct cooperation mode between commercial banks and communication operators

Mobile development

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From the service side, this kind of direct cooperation model can be divided into two categories: one is the commercial bank system and the operator system is not docking, the two sides in accordance with their respective standards in the chip in the financial region and communication area for writing and reading. This kind of cooperation needs the user to transact the financial function and the communication function with the Commercial Bank branch office and the operator Business Hall respectively.

Another kind is the commercial bank system and the carrier system has the partial information exchange. For example, China Merchants Bank and Jiangsu Telecom launched the "Recruit Silver Wing Machine Pass", the card in the basic financial information in business card pre-written, the user only need to open the communication function in the operator's office, the operator backend system will be the opening card information to the China Merchants Bank system for real-name authentication, through the activation card in the financial function.

The mode of direct cooperation between commercial banks and communication operators is a relatively decentralized mode of cooperation under the condition of lack of intermediary public service platform, which can provide limited application services and low convenience of user opening and using.

2. UnionPay as a financial institution convergence point and communication operator cooperation mode

February 2013, China UnionPay trustworthy service Management Platform TSM (hereinafter referred to as UnionPay TSM) and China Mobile TSM to achieve cross-industry docking. The system of commercial Bank uses "total to Total" mode to access UnionPay TSM, which realizes the mode of indirect cooperation between the convergence point of the financial institution and the communication operator. In addition, the other two major carriers, China Telecom and Unicom, are also actively engaged in docking with the UnionPay TSM platform.

In this mode, the commercial bank system can connect directly with the carrier's system by simply connecting to the UnionPay TSM. In this way, the bank's users as long as the mobile phone support near-field communication Protocol (NFC), you can open the "air card" mode to open financial functions.

The mode of cooperation between the commercial bank and the carrier is a kind of "total to total" cross-industry docking mode, which needs to be connected with TSM of mobile, telecom and Unicom respectively, and still lacks an intermediate unified public service platform. However, compared with the direct cooperation mode, the cooperation efficiency of the parties has been improved, and the convenience of the user to open the financial function and communication function has been greatly improved.

3. Model of cooperation based on the public service platform of the People's Bank

October 2013, the People's Bank of mobile financial security trusted public service platform MTPS (public service platform) through the acceptance review and put into trial operation. As a state-level mobile financial infrastructure, the platform provides a public secure and credible air transmission platform for the industrial parties, providing integrated services such as data exchange, security authentication, application management, key management and so on, which plays a central role in the construction of mobile finance ecological environment.

Under the framework of the public service platform, the TSM system of UnionPay, Commercial Bank and third party payment institution as the application provider access platform, the TSM system of Mobile, telecom and Unicom as the issuer access platform. The application provider TSM is responsible for registering the Certified Mobile Finance application on the public service platform and providing the application download and personalization services: the issuer TSM is responsible for issuing the tested and certified products in line with the financial mobile payment standard and opening the financial functions for the users. After users have applied for financial functions, they can download mobile financial applications via mobile clients, carry out air-opening, personalization, electronic cash-deposit and other operations, and then hold the mobile phone in support of "flash pay" POS terminal consumption.

The platform already has the construction Bank, UnionPay, China Mobile and other 7 institutions of the TSM system access test run, the future will have more mobile finance technology innovation applications rely on the development of the platform.

The cooperative model, which is based on the public service platform of the People's Bank, effectively solves the problems of TSM interconnection, application sharing, entity mutual trust and so on, which can help to form an open and cooperative mobile financial operating environment.

Three, mobile terminal technology Realization Mode

Depending on the SE location, there are three main implementations of the mobile terminal products: NFC full terminal mode, Nfc-sim mode, NFC-SD mode, respectively, the SE is loaded in the terminal, SIM card or SD card. In NFC full terminal mode, SE can be integrated in an NFC controller or independently. These three modes require mobile phones to support NFC near-field communication capabilities. Three models are currently available in the market.

Nfc-sim mode, such as mobile and package, is generally carried out under the cooperation mode of financial institutions and carriers, which is relatively good because of its high standardization, lower cost and better compatibility of handset. NFC-SD mode, such as CCB with the core, UnionPay wallet, can be issued independently by the card issuer, but the cost is higher. NFC All-in-one mode requires the support of handset manufacturers, which is an early mode of foreign business, such as Apple payment, is still at the initial stage in China.

Regardless of the mode of the mobile terminal chip set SE, the loaded financial account and the general financial IC Card in the Financial account no difference, can be loaded with a single electronic cash account, you can also load Debit + E-cash compound account, credit + electronic cash compound account. The only difference from the ordinary financial IC card is that in the near-field payment, the financial function of the mobile terminal chip can not be paid by the card, and the transfer of funds must be realized through near-field contactless communication.

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Research on mobile development-mobile payment technology