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2016-05-25 发布于安徽
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A secureframework for on-site mobile NFC payment.doc

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A secureframework for on-site mobile NFC payment.doc

A secure framework for on-site mobile NFC payment Abstract—In daily life, more and more cash operations are replaced by on-site mobile payment (OMP); Service availability and secure authentication are the core of the platform, which should be solve with secure measures. A secure framework for on-site mobile payment is developed by deep analyzing the technical and the business model in this paper. The framework is combined with NFC-enabled terminal, mobile internet and the bank. Near Field Communication (NFC) is used to conduct contactless payment transactions at the point of sale (POS). And, the secure authentication is solved by software security technology including node-locking, White-Box and SSL mechanism?in this paper. Finally, the whole solution is proposed and its security and usability is analyzed. Key Words: On-site mobile payment; Security authentication; Software security; NFC Introduction On-site mobile payment (OMP) is a convenient solution aiming to substitute for cash payment or credit cards. It is a financial transaction for some services or goods between the trading parties through mobile terminals. NFC [1][2] is a wireless technology that enables data transmission between two objects when they are brought within a few inches of each other. It is a hot research point as one of the technology to implement the mobile payment. Compared with Bluetooth, WAP infrared, SMS and other earlier technologies, it’s better for exchanging financial information or sensitive personal information and other important data [2] between each other. In addition, according to?Forrester Research?survey, there are?only?in?less than 15% of users?full trust of?mobile payment and 65% of users?refuse to send their own?mobile payment card?data through network. The key for mobile?payments?successful is to solve?the security issue. Generally speaking, an OMP consists of five components: a Financial Service Provider (FSP), a Payment Service Provider (PSP), a Mobile Network Oper