Design And Implementation Of Electronic Wallet Based On Nfc Technology

With the high-speed development of mobile internet and IOT(Internet of Things), the number of users is increasing quickly. There appears a variety of applications under mobile internet and IOT development, and at the same time, the Android and IOS mobile intelligent devices provide the foundation conditions for their development. Mobile payment as a kind of mobile Internet technology, has shown a strong advantage in this special time.Mobile payment is a new kind of payment technology which combines with the mobile terminal. It can not be affected by geographical location and time. At the same time, it combines with the characteristics of Mobile Internet and IOT, has the property of moving and intelligence. As a solution to mobile payment, NFC(Near Field Communication) technology applications have been rapidly development in the IOT and the financial sector. Under the support of the Mobile Internet, IOT, Java smart card and NFC technology, it will bring more convenient payment experience for the users.This paper firstly introduces the definition and classification of mobile payment and then focuses on the NFC technology, Java smart card technology and the Android mobile system. By analyzing the characteristics and safety of the technologies mentioned above, this paper intends to design a NFC electronic wallet system that conforms to PBOC standard. The system selects the NFC-SWP solution and put the secure element on the SIM card. The wallet applet on the secure element is developed on the basis of the Java card technology. The mobile app is developed on the basis of the Android operating system. The Android wallet client uses the OpenMobileAPI to carry out communication with the wallet applet on the secure element.By researching the PBOC standard and communication protocol of smart card, the wallet applet was designed and implemented. This paper expounds how to realize the security wallet application system and the method of secure element access control in Android wallet app and intends to improve the user experience by combining smart card and smart phones technology and reach the expected effect by testing the electronic wallet system.