Research On The Problem Of 3g-oriented Mobile Payment Security

The concept of Mobile E-business arises from the background of the rapid development of mobile communication technology and mobile terminal. With the application and extend of 3G technology, high-quality and high-speed mobile message transfer becomes possible, which will promote the development of Mobile E-commerce even more. Mobile payment will also gain more and more attention as a key link. Simultaneously, 3G technology enables mobile phones to complete secure online payments. The paper analyzes various process elements of the existing mobile payment schema in our country, attempts to design the transaction pattern fit for the Chinese consumer, analyzes how to ensure the privacy and security of transaction messages, and discusses how to structure a reasonable mobile payment system in detail. To summarize, this paper is hoped to be able to provide useful references for the development of Chinese mobile payment industry, and to contribute something to promote the national economic development.In order to design a secure mobile payment system, this text has mainly done following five aspects work:1. Introduce the background of the topic, and something about mobile e-commerce and mobile payment, such as their concepts, characteristics, specific technical realization principles and so on.2. Describe the related security technology of mobile payment, including the security threats, safety requirements and the corresponding basic knowledge of information encryption and decryption. And elaborate two primary standard on the current mobile payment.3. Bring in the specific describation of 3G network environment, and analyze the core technology of WPKI mainly.4. On basis of the above research, structure a secure mobile payment system. The one bases on the J2ME framework, as well as combining with the core technology of WPKI and OTP techniques. By means of the analysis of data business process and architecture in system, this system achieves the requirements of security and handleability of mobile payment system well. 5. At last, summarize and analyze the existing shortcomings of this scheme proposed, and look forward to the possible directions for future research.