Study On Handset NFC Payment Technology

NFC technology is one kind of the short-range wireless communication technology exited now. It is the most popular short-range wireless communication technology that is studied by researchers. NFC technology is launched by Philips and it is a short-range wireless communication technology released by Sony, Nokia.NFC technology has fused with network and contactless card technology,so it is suitable to using in the Mobile device’s near field payment system. The NFC communication standard’s principle including communication processes initiated, initialization, conflict detection, activating data transmission protocol and shutting down the protocol is analyzed in this paper.With completing of NFC technology,some designers have used this technology to achieving financial transaction function in mobile communication device.lt will make payment transaction more convenient than the past.The payment transaction becomes safer than traditional payment mode because the security chip is added into mobile device.Today’s main mobile payment platform is phone,especially smart phone.Mobile payment form is divided into two types,including remote payment and near field payment.Mobile phone can directly transmits datas to the POS terminals of bank,NFC card reader and finishes the financial transactions.The phones that can accomplish near field payment are not much.The reason is that most phones can not simulate the non-contact card function.The mobile phone achieving scheme in near field payment system of unionpay,swp protocol and Finance Secure Chip are researched NFC communication technology is analyzed in this paper.The scheme is that simulating contactless card of bank’s function in phone after the researches above.The hardware module combines NFC chip and smart chip. The software module is based on NFC standard protocols.Finally, using NFC reader to verifing whether the tag mode is finished or not. A problem is found in the process of verification.So it is a problem that can be improved.