NFC近场支付系统的设计与实现.pdfVIP

中国科技论文在线 NFC 近场支付系统的设计与实现 刘俊丰，范春晓** （北京邮电大学电子工程学院，北京100876 ） 5 摘要：近年来移动支付发展迅速，用户数和交易规模快速增长。随着带近场支付功能的手机 和读卡器逐渐普及，用户在现场通过手机向商家进行支付（即近场支付）的需求也越来越强 烈。本文综合比较了三种NFC 近场支付的实现方案，最终选择了基于SIM 卡实现的卡模拟 方案，设计并实现了一种NFC 近场支付系统。该系统利用SIM 卡实现应用和数据的安全存 10 储，运用SOCKET 技术完成POS 机与模拟银行支付平台的通信，进而实现数据传输及交易 过程的安全性。本系统成功实现了在线交易、离线交易、圈存、圈提、交易退款等各种交易 过程并利用模拟银行支付平台进行了各种交易功能的测试，结果表明方案可行、易操作。最 后，分析了基于HCE 实现近场支付的方案并与该系统进行了比较。 关键词：计算机应用；移动支付；NFC ；SIM 卡；HCE 15 中图分类号：TP311 Design and implementation of NFC mobile payment system LIU Junfeng, FAN Chunxiao (School of Electronic Engineering, Beijing University of Posts and Telecommunications, Beijing 20 100876) Abstract: With the rapid development of mobile payment, the number of users and transaction size grow rapidly. With the increasing popularity of mobile phones with near-field payment function , the demand of making payments by mobile phone is also growing strongly. This paper compares several NFC near field payment implementations, then designs and implements an NFC 25 mobile payment system based on SIM card. This system uses a SIM card for secure storage of applications and data ,communicates with simulated bank payment platform using SOCKET technology, thus achieving the security of data transmission and transaction process. This system successfully achieves online transactions, offline transactions and other trading process and these transaction functions are tested , the results show that the scheme is feasible and easy to operate. 30 Finally, this paper analyses the near field payment based on HCE and compares with the system in this paper. Key words: Computer Applications; mobi