Research On Key Technology Of Mobile Wallet Based On Java Card And NFC

Telephone has not only the feature of mobile communicating anytime and anywhere,free from constraints of time and space, but also advantages of universality,portability and personalization,etc.,which provide the foundation for itself as a mobile payment terminal.The popularization rate of telephones and bank cards(or credit cards) is rising. Combining these high-tech products together,Mobile wallets provide a new way of payment and bring much convenience to people's daily lives.Wireless short-range transmission technology accords with needs of modern consumers,which has the apparent advantages of little power consumption,better security,and great convenience.At the same time,the application software of SIM cards,a smart card,can be developed by Java Card technology, which can not only simplify programming and shorten the development cycle,but also provide a high degree of security, stronger extendibility and cross-platform for SIM cards.The paper at first studies related technologies of mobile wallets,describing the standard,working mode,application classification,realization way of NFC technology and analyzing its advantages,elaborating Java Card technology from perspectives of architecture,technical specification, Applet development and API and so on.Meanwhile,the paper also introduces STK and OTA technology.Then after studying the mobile NFC ecosystem,the paper puts forward a mobile wallet application system model,designs a bank selecting module for telephone and studies the anti-collision algorithm about the possible existence of conflict on the identification process of mobile wallet,as well as a dynamic binary search algorithm based on the improved algorithm.From aspects of wireless communications,the mobile terminal equipment and Java Card application,the study states the safety of mobile wallets which is most concerned for people, and describes the safety implementation process about telephone wallets.Then the paper analyzes a case of using NFC mobile wallets at a flower shop as mobile payment.Finally the paper summarizes the work by analyzing the future development of NFC mobile wallets.