Design And Implementation Of Secure Mobile Payment Terminal System Based On Audio Communication

With the high-speed development of mobile Internet and intelligent terminal equipment, the realization of the mobile payment technology is also becoming diverse. The mobile payment can be implemented by a variety of ways, such as SMS, bluetooth, NFC, image recognition, qr code. Based on the study of technologies related with mobile payments, this paper chose a new mobile payment technology, which is based on audio communication, and applied to merchant areas.The main achievements are:1.Design a new mobile payment terminal system based on audio communication technology, and applied this system to the merchant areas. The payment system consists of intelligent terminal (smart phone, smart devices, etc.) and the terminal peripherals. Design communication protocols and the method of interaction between the intelligent terminal and terminal peripherals.2.Studied the technology of signal modulation and demodulation, optimized algorithm of software modulation for FSK signal, and design FSK signal demodulation algorithm which is simple and easy to be implemented.3.In view of the high demand for mobile payment on security, design the OTA update mother key scheme of terminal peripherals with the reference of the current mainstream security algorithm.Finally, this mobile payment terminal system has been implemented by C\C#language and passed the test, which prove that the system can implement the function of the expected design. Through the implementation of the payment terminal system, meet the need of small-micro merchant for acquirer by bank card, and realize the combination of theory and application.