移动支付（mobile payment）.docVIP

移动支付（mobile payment） Abstract: mobile payment is one of the most important parts of mobile e-commerce. Security, privacy, and ease of use are the most important problems in mobile payment. At present, there are many different types of technology that can implement the mobile payment, the J2ME because of its many advantages has become a leader. There are a variety of mobile payment system architecture, in which the third party payment platform as the center of the architecture is more flexible and has strong scalability. This paper discusses the characteristics of a mobile payment system J2ME to the third party payment platform is based on the superiority and the detailed design and implementation, and gives the system process. Keywords: mobile payment; J2ME; XML encryption; XML signature 1 Introduction The current mobile payment has been quite popular, and by the enterprise from outside the bank, retail and other mobile industry attention. Mobile payment refers to the transaction for business transactions via mobile phone, PDA, mobile PC and other mobile devices. Mobile payment according to the amount involved is different, generally can be divided into the following two categories: 1) micro payment (micro payment): micro payment refers to the turnover of less than $10, usually refers to the purchase of mobile content services. 2) macropayment: macro payment refers to the payment behavior of the large amount of the transaction. For the macro payment, transaction authentication through reliable financial institutions is necessary; and for the micro payment, safe use of mobile Internet SIM card authentication mechanism can achieve high. Compared with the traditional methods of payment, mobile payment transaction is the biggest characteristic of flexible, convenient and quick. But because of the security and usability issues have not been solved, the current domestic mobile payment is mainly micro payment. At present, can realize the mobile payment technology theoretic