The Design Of Secure TF Card And Its Application In The Mobile Payment

With the rapid development of the information networks and the enhancements of the mobile terminals’ processing capacity, people are getting used to the mobile officing and the mobile payment. But being threatened by both the mobile viruses and the information leakage, how to ensure the security of the mobile information becomes an urgent issue.In the field of mobile payment, remote payment via the networks will still dominate the market and increasing substantially. Also with the standardization of the protocols and infrastructure, the Near Field Communication(NFC) payment will sure be increasing explosively. This paper presents a mobile payment solution based on secure TF card according to the development and trend of the mobile payment market, and it can satisfy the demands of the remote payment and the NFC payment very well.Remote payment will be still the main way of the mobile payment market. We come up with a method of implanting a secure chip in the conventional TF card, and empower secure TF card with the functions of security certification, hardware encryption and decryption. Therefore this helps to ensure the security of the mobile payment and protect the sensitive informations, and provides the same security level as the USBKEY. Due to the same package and interface with the conventional TF card, it will be convenient for secure TF card to be applied to the mobile terminals and easy to be popularized among the mobile terminal market.On one hand,we success in designing the dynamic link libraries and the testing codes of the TF card among the operating systems such as Windows、Linux and Android by using the USB mass storage protocol and the method of file read and write operations,then by optimizing the communication protocols between the upper computer and the TF card controller we make our products’ performance and low power design to be the cutting edge of the secure TF card field in our country. On the other hand, we introduce and research the key technologies and protocols in secure TF card’s application in the NFC environment. Due to NFC payment’s convenience and its compatibility with the other contactless smart cards, secure TF card is destined to be applied and popularized in the mobile payment market in the future.