The Design And Implementation Of Terminal Software System Based On China Unionpay Standard

With the advent of financial information,financial terminals in people's social life with more and more widely,supermarkets,convenience stores,courier companies,financial POS machines can be seen everywhere,great convenience to the broad masses of people's lives.China UnionPay is a joint organization of bankcard industry in China.It implements the clearing of inter-bank transactions through the UnionPay system,interconnection and sharing of resources among commercial banking systems,and ensures the inter-bank,inter-regional and cross-border use.In order to realize cross-bank transactions and clearing functions,UnionPay has developed a unified set of specifications: Point-of-sale terminal application specification.Bank terminals must strictly abide by all the stipulations in this specification.EMV migrationis a great project of great concern to the banking industry around the world,and he is also a topic of concern to our national banking industry.As a result,the internationalization of RMB is becoming more and more important as China's international role plays a more and more important role..EMV migration is the country before the bank issued by the magnetic stripe card to do the transformation,now use the international security of the higher common smart IC card,in order to reduce the card copy of the transaction insecurity,such as credit card Fraud,counterfeit credit card transactions,and international high-tech financial fraud.People's Bank of China PBOC3.0 specification issued by the last two years the purpose is to further promoting EMV migration.At present,China's financial terminal market is a considerable market,attracting numerous equipment manufacturers,especially the current mobile payment and rapid payment market continued steady development,led the various terminal manufacturers to adjust the technology and product upgrades.Therefore,it is necessary to research on the application of CUP(POS),which is closely related to the survival and development of enterprises.It is also very promising in today's payment industry,which is of great engineering practical significance.This paper will start from the following aspects:(1)The financial terminal software system designOn the basis of requirement analysis,this paper makes detailed system design of financial terminal software,according to the modular development method,the system structure of the atmosphere application software and kernel two levels;this paper will be on the core application software layer core part in detail For the core business processes have been applied to the software business processes were analyzed,given the business process diagram.(2)Financial terminal key algorithm and dynamic key designFinancial terminal software has high requirements on the security of data,and part of the interaction with CUP data encryption and signature algorithms,and key storage is the use of dynamic key design,the use of three-tier key system,great protection Key security.(3)Terminal business process analysisIn view of the process of financial terminal business,the improvement scheme is given,especially the electronic cash transaction is optimized and the gray transaction record business processing is added.(4)Multi-application management systemWhen the number of financial terminals to reach a certain number,you need to do a comprehensive configuration and management of the terminal,so that real-time updates and maintenance.(5)card application automatic identification functionTaking into account the current card applications,different membership cards,financial IC card matching different applications,so that the card automatically enter the corresponding application processing,to the user convenient and efficient operation,improve user ease of use.