Application Research Of HCE Technology In The Mobile Payment

NFC mobile payment is a new kind of payment; it has won the good graces of many users and service providers. The main way of NFC mobile payment is used in mobile phone by emulating a smart card. The traditional emulator of mobile phone card is based on Secure Element. Due to the competition between providers and the closure of SE of mobile payment, NFC mobile payment has been largely influences.The Host Card Emulation is an emerging technology in recent years to reduce the NFC mobile phone payment technology threshold. It broke the limitations of the NFC card simulation in using traditional security elements, especially after Android 4.4 which increases the HCE as a service system. This version has greatly promoted the development of NFC mobile payment. Although HC E technology leaves the dependence on hardware safety element, security element is still realized by software. But no matter how software implements, the payment cannot achieve the security hardware level. Therefore, the security problem is the biggest problem faced by the development of HCE technology. In this paper author studies the host card simulation technology and major contributions are outlined as follows:1. NFC mobile payment is studied. First, the principle of NFC mobile payment has been known. The emulation methods and the principle of work are researched about three traditional ways of card and each advantages and disadvantages of these technologies are funded. Second, paper describes the host card emulation technology, and points out the advantage of host card emulation technology.2. Firstly, we analyze the security of host card emulation technology, and point out its existing security threats relies on the mobile phone operating system, and propose several security enhanced solutions of HC E. Secondly, by comparing several different solutions, we put forward the remote SE of host card emulation application model. It puts sensitive information which will be storage and processed to a remote server replacing local host and mobile devices talk with the remote server by the network, which greatly increases the safety of the HCE. Thirdly, we put forward three different application environments, and illustrate the models of three different environment.3. According to the remote SE of host card emulatio n application model, we design a remote swing card system framework. The system contains several modules which describes the function of system. O n this basis, the client and server and other modules will be designed. The design of authentication protocol ensures security between the client and server. Security transaction protocol protects the data exchange between client and server.4. JAVA and Android technology are selected to designed and implement the modules and system. As the results, remote swing card system passed testing and works well. It certifies the feasibility and validity of the remote reading system. The paper achieves the expected goal.