Analysis of NFC mobile payment process

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NFC mobile payment is a hot recent speculation of a mobile payment model, most of the smart phones associated with E-commerce O2O mode support such mobile payment methods. In NFC Near-field payment mode, it is necessary to have bank card, NFC Intelligent Mobile terminal, NFC near field communication technology and accepting terminal. At present, the bank card and NFC intelligent mobile terminals in the same, eliminating the trouble of carrying a bank card, payment more convenient, the relevant participants of the relationship as above:

I. Funds account

Because the fund account may belong to the bank, the operator, may also belong to the third party payment organization, therefore the Fund account binding need certain technical support, needs to guarantee the account the security and the convenience:

1. Fund Account security Requirements

As a security carrier for financial payment accounts and payment applications, it is required to comply with international CC eal4+ certification and EMVCO certification. The chip should have the following security features: Encrypted storage space, anti-SPA/DPA attack, anti-Sema/dema attack, anti-timing attack, active shielding layer, bus encryption, high-low voltage sensor, high and low frequency sensor, light sensor, true random number generator, hardware 3des/rsa/ ECC coprocessor.

2. The package and manifestation of fund account carrier

Smart card chips can be encapsulated in multiple forms of media. But in combination with mobile payment, security chips exist in a way that relies mainly on the support capabilities of mobile terminals, the current mainstream forms are:

(1) Full terminal, directly solidified in the cell phone chip, or stored in a separate card slot.

(2) Intelligent SD Card, stored in the mobile Terminal SD card slot.

(3) SIM card mode, multiplexing SIM card function.

(4) terminal attachment, such as through the audio port or USB port with the mobile terminal.

No matter which kind of existence form, should adopt the mature, the reliable hardware encapsulation technology, thus cannot disassemble the security chip direct access, also cannot through the logic analysis Instrument detection security chip communication, guarantees the payment account the security.

3. Fund Account Management

One of the biggest features of mobile payment based on smart cards is that it can support "multiple applications". That is, a smart card can load and run a number of payment-related applications to meet the needs of users in many ways, truly user-friendly, the main services include:

(1) responsible for the application of management and application lifecycle management, such as remote application download, personalized and update operations.

(2) responsible for smart card management and smart card lifecycle management, such as remote lock card and PIN card.

(3) The legality and security of the application. It can be foreseen that China's future mobile payment ecological environment must be a market-oriented, pluralistic, personalized, innovative and constantly evolving environment.

Ii. Mobile Terminals

Theoretically speaking, in NFC card phone payment transaction, mobile Terminal is also a carrier, as long as the nfc/Bluetooth/rfid and other near-field communication functions, you can trade, and terminal operating system independent. But from the user's convenience point of view, the mobile terminal is best to help users achieve common functions, such as balance query, historical transaction query, and so on. For mobile terminals that support offline support, the technology evolution will be in two areas:

1, Near-field communication technology, to the near-field communications (Near field COMMUNICATION,NFC) to do more perfect support.

2, card management technology, security card reading and writing, and gradually enrich the terminal card control, providing rich content, easy to operate human-computer interface.

Three, near-field communication interactive mode

The choice of NFC near-field payment is mainly due to the convenience and security of the near-field communication technology. Although the use of mobile terminals, smart cards can be based on 2.4G technology in a variety of wireless transmission protocols (such as Bluetooth, RFID, etc.) and external interaction, but based on 13.56MHZ NFC technology due to the recognition of fast, the transaction conforms to safe distance and other characteristics, has become the mainstream choice of offline transactions.

At present, the domestic mobile payment standards are based on the 13.56MHz International standard NFC non-contact near-field communication technology, based on this work frequency has a relatively mature, complete international and domestic technical standards, and in the field of electronic payment has been widely used.

Iv. Receiving Terminals

Reception terminal is also a very critical part of the current without receiving terminal, all mobile payments can not be carried out. The key technology of receiving terminal is mainly to accept performance. At present, most applications are based on smart cards, the use of terminal support, so there is no receiving terminal support can not complete the mobile payment.

Cloud technology is currently developing faster, can be simulated by cloud technology to accept the terminal principle, NFC payment and cloud technology, so that this business processing logic through the cloud to achieve, so as to reduce the pressure of the terminal.

Article source Daming century: http://www.666180.com