Research Of Mobile Payment Technology Based On NFC And Its Safty

As the communications industry continues to progress, the mobile phone has become an indispensable part of daily life. The rapid development of NFC (Near Field Communication) technology enables mobile payment gradually into people's lives. NFC technology evolved from the RFID technology, the emergence of this technology provides a good solution to the problem of communication between the mobile terminal and the receiving terminal. In addition, the rapid development of NFC technology making the function of the mobile phone to be rich, and playing a very good supporting role for mobile payments.Unlike other traditional payment methods, NFC technology offers a convenient and fast payment solution that enables consumers to interaction and access to the information intuitively by mobile, and then complete the near-field payments.With the establishment of mobile payment standards, mobile payments will gradually be recognized by people. As one of the ways of mobile payment, NFC mobile payment technology has obvious advantages. In this context, this paper introduces the NFC technology to the mobile payment,the traditional payment scheme is studied and improved, and the security of the payment process is also considered. Connecting NFC chip and SIM card, you can use the original SIM card security authentication and authorization, compared with other cumbersome certification, the way is also more conducive to the promotion of the market.This paper is based on a certain project, aim to research and design mobile payment technology based on NFC and its safety. In the mobile payment process, the built-in NFC chip phone is modeled as a non-contact identification card, and communicate with POS terminals. Due to the special nature of the financial sector, thus ensuring data security that in transaction process is particularly important. In this paper, to research and establish a trading model of Near-field payment, including mobile terminal,receiving terminal and receiving system,and to analyze the possible security risks, putting forward to protect the assets in the transaction. After the comparative analysis of several typical symmetric encryption algorithms and public key encryption algorithm, proposed a hybrid encryption algorithm which based on RSA, ECC and AES, in addition, apply digital signature technology --HMAC, to ensure the legitimacy of the trading platform and acquirer system.This paper applies the virtual card mode, in addition, put the security module SE in the SIM card, to achieve the separation of sensitive information with other applications. By means of Android platform's tag releases, write software, and access interface -Smart Card API. To complete access and application to security unit SE, while completing the password confirmation and verification between acceptance terminals and mobile terminals, and then design a complete transaction.In the Android development environment, to design and simulate the mobile terminals of NFC mobile payment system, to achieve visual management of the graphic interactive interface, user-friendly,simple operatio. Finally, test the functionality of the trading system, mainly includes the data transmission of the transaction process, the confirmation of the transaction password, the transaction information inquiries and the deduction of the amount of transactions. The results show that the system is stable and reliable, and meets the demand of the customers.