Research And Implementation Of Mobile Payment System Based On HCE Technology

With the deep development of the domestic market of O2O,the market pattern of mobile payment application is also changing.The traditional remote payment mode through WAP or SMS access has already reached maturity in the large-scale development,and using mobile devices to achieve fast and efficient near field pay still has a lot to explore.The Apple pay launched by Apple Incorporated makes nearly field mobile payment technology research to a new climax.0ver the same period,Google released a new technology of Android phones for NFC function--HCE (Host Card Emulation),which is also called the Host Card analog technology.It simulates hardware NFC mobile phones for smart CARDS through the principle of software,and provides a new solution for ordinary NFC mobile terminal near field mobile payment by crossing the obstacles that the NFC mobile phones need original hardware SE security unit.In foreign countries, the application of HCE technology in mobile payment has a certain scale, while in domestic also has the financial institutions of industrial and commercial bank representing to launch the HCE cloud payment platform.Predictably,there will be more and more organizations devoted to the practical application of HCE,bringing people a more convenient and fast mobile payment experience.In this paper,according to the characteristic and the status quo of mobile payment system,through researching the needs of the main elements in the mobile payment system and combined the technology principle of HCE,we complete the overall design of mobile payment system,and introduce the function of each part and main business processes of the system. The characteristic of the system is that the end user can realize peer-to-peer payments through their NFC mobile.Because that HCE is a kind of software technology, considering safety and performance of the system, this paper brings in payment tokenization technology,and a symmetric key mechanism responsible for the safety and security of contents and communication of the system,and strengthening the safety of the system and the user authentication.This system follows the principle of a layered architecture and high scalability,convenient for simulation and realization of the system.On the realization of the system, this paper applys the proxy architecture scheme, that provides permissions of the bank and pay the TSP tag service of the system to HCE cloud platform,and provides user business processing by HCE cloud platform,and simulates and realizes the process of user registration on cloud platform,and the transaction process between two NFC mobile phone users. We complete a corresponding system test,and the test proves that under the support of mobile payment systems,users can achieve the consumption of near-field trading settlement through NFC mobile phone. At the same time the system is also applicable to the business of money transfer between the individual and personal.In this paper, we make improving the practicality and safety of mobile payment as the main research direction,and put forward a new mobile payment system which has value of a theoretical research and practical application.