Application Of Smart Card Technology Based On MicroSD Interface In Mobile Banking

ABSTRACT:Nowadays, with the accelerating pace of life, more and more people rely on mobile phones. They always hope to deal with a variety of business through mobile phones at anytime and anywhere. However, there are some securiy problems existed in mobile banking as with online banking. Therefore, it becomes the urgent demand to find a secure solution for the development of mobile banking.This paper first analyzes the development situation of moible banking and a series of security issues that mobile banking faces. Based on previous research, the existing technology solutions are analyzed and compared. With the actual development experience, a MicroSD card based security solution-SDKey is proposed. This is a kind of scheme that combined with smart card, PKI technology and client. This paper begins with the architecture of SDKey, and then introduces the hardware layer of SDKey. After that, the object and the session part of PKCS#11 lib is designed and analyzed in detail, which is the middleware layer of SDKey. Furthermore, by describing the development of software on Symbian platform, we know how to use the PKCS#11 lib when developing the client software. Finally, the paper describes the application of SDKey module in mobile banking, including the authentication between the client and the server as well as the transaction process.As a secure carrier of digital certificates, SDKey has good security features. It is widely used in the area of mobile PKI, including mobile banking. It meets the market demand and is of great significance.