| Mobile payment, also called phone payment, refers to both of the traders which use mobile terminal equipment as the carrier, in order to get some kinds of goods or services, through the transactions mobile communication network to carry out. From the essence, mobile payment combines the mobile net with financial system has mobile communication network as the instrument and method to some trading deal, payment, bank accounting number management and so on. The mobile payment technology use mobile terminal such as the phone, PDA, mobile PC. The mobile payment of our research topic especially refers to the phone terminal.The article analized the means of mobile payment detaily. It points out the mobile payment technology owning the opportunity and advantage in bank payment system. Based on the present relative technical theory. After researching the overall design conception, frame structure and each functioning modular carefully. It put forward workable technical route and implement tragedy, including introduce the main platform operators to operate business mode, introduce client/server mode in system exploitation process as well as exercise DES arithmetic and MAC double encrypt method.China mobile unified payment platform is a new one. It is designed according to business and customer's service which is about China mobile company and Shenyang all large commercial bank. Client can inpuiry the money and put into the money at any time, through the China mobile unified platform system.The design of the system mainly explain Merchant Bank how to connect the payment system with the unified payment platform system. Research subject based on ISO8583 transaction and Windows Sockets program under Visual C++. It has the wide value of theory and practice, and this system has been proved very effective after runned in Shenyang Branch Bank. It makes original payment system well equipped and it has big theory significance and current significance for the development of the Machant mid-business. |
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