| NFC is a new technology used in near field communication. Based on the NFC protocol stack, NFC mobile phone integrates NFC controller, NFC antenna and a security module (SE), makes it have similar hardware function as the traditional contactless financial IC card. On the other hand, implanting financial application into IC card makes it equipped with financial function as well. The implanted financial application is in accordance with the PBOC standards issued by China People’s Bank. The IC card loaded with financial applications can be used in the domestic financial terminals for online and offline financial payments. Obviously, directly implanting financial application into the terminal NFC mobile phone’s SE chip will make the mobile phone have the same financial IC card payment function. At the same time, combined with the smart mobile phone’s own advantage, a more convenient financial payment tool will be created to achieve great commercial value. However, the following two issues directly affect the commercial production of the NFC mobile phone, a study of which has both theoretical and commercial value.1. Traditional financial IC cards are produced in factory. The process of implanting financial application into IC card is finished in a relatively independent and secure network environment, while the process of implanting financial application into NFC mobile phone is led by the client through WAN. New process and technology has to be introduced to deal with the risk of implanting process.2. Financial IC card in NFC mobile phone mode will significantly increase the error rate of recharging process, which makes the potential problem traditional error-handling process become more obvious. The popularization process of NFC mobile phone will be more difficult if a set of reasonable error-handling solution is not introduced.This paper focuses on two aspects of the problem. The main work is summarized as follows:1. In view of the traditional key dispersion model of SCP02protocol’s insufficiency, a new terminal-exclusive chip main control key dispersion model is designed to avoid various attacks from the link layer more effectively.2. This paper presents a communication method of low-layer-relevant, the method transforms APDU instructions to enable APDU instruction to guarantee the data confidentiality and integrity itself, which reduces the reliance on transmission layer’s security.3. This paper presents the secure financial personalized model, which is protected by issuing bank’s authorization. The model can realize the implantation of financial application into NFC mobile phone through WAN and guarantee the data security in the implantation process.4. This paper puts forward a set of recharging error-handling solution, which doesn’t destroy the standard transaction process. Only a little change will be made in the former financial application to solve all problems in the recharging process. If some alternation is made on financial terminals, the error-handling process can then become automatically. The alternation process is easily realized and can be implemented step by step.The solutions mentioned in the paper are verified by actual projects of their validity and reliability. Furthermore, some commercial XFC smart phones with financial application have been produced and used by clients by then.Finally, in order to reflect the new pattern of financial payment tool’s own advantage, this paper gives a scheme to simulate a type of bank card which integrates the debit and credit function. It’s implemented by dynamic management of financial payment environment in the NFC mobile phone. The scheme makes use of NFC mobile phone hardware architecture advantage, provide more humanized, facilitation of financial products, to further demonstrate the business value of implanting financial application into NFC mobile phone. |
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