Research On The Intelligent Terminals For Mobile Remote Payment

With the rapid development of the mobile Internet applications and mobile intelligent terminals, mobile payment has attracted the people’s attention more and more with its convenient services. However, due to the lack of unified standard, providing few kinds of services and lack of security, the development of domestic mobile payment is hindered largely.The mobile payment system has the distinction between remote payment and near field payment, due to the location of payment. In the former case, which enable two parties to send and receive payments or exchange funds using the mobile devices, irrespective of where they are located, because of the multitude of monetary transfer, strong securities are desired. Meanwhile its security draws much more attention, which becomes the main factor that affects its development.According to the development status and main problems of the mobile remote payment and the intelligent terminals, this thesis made a specific mobile payment system design, finished code completion and analysis in the intelligent terminal side, and proved that the implemented system could solve the current security problems that mobile payment faced. This customer-centric system was built on the basis of the mobile operators’communication network, took HTTPS as the wireless communication access technology, used bank cards for payments and completed the payment process through the message interaction with intelligent terminals.At first, this thesis selected the intelligent terminals solution for mobile remote payment through comparison and analysis. Then, according to this payment solution, an overall design of the mobile remote payment system was made, including network topology design, interaction design, transaction process design, system protocol design. In the intelligent terminal side, it realized safe payment environment through the digital certificate, encrypt the trading information, digital signature and other safety means.The distinguishing features of this thesis are reflected in the following aspects.-1. According to the research on traditional mobile payment technologies and the intelligent terminal implementations, new security technologies such as encryption and digital signatures are proposed to improve the security of mobile remote payment.2. Designed new system protocol and transaction process based on the new technology.3. Based on the Android system, it realized the intelligent terminal application for mobile remote payment.