Study Of The Telecommunications And Financial Industrial Convergence Based On Contactless Payment Market Analysis

With the smart chip technology and the memory chip technology development, The smart chip technology and mass storage use to e-commerce to become the trend, of wireless application technology be hot, but also a new subject for us and challenges. Moreover, the key issue mobile payment area-contactless payment technology of mobile applications is the central task of the research. However, due to the contactless payment technology, the selection of non-contact communications and security issues are not well resolved, resulting in the application of contactless payment services products to stay in the laboratory stage, no large-scale energy production and applications.Based on contactless smart MicroSD card payment technologies, the market for contactless payments into a new life.Smart MicroSD card is a Smart Card chip and FLASH memory chips constitute the MicroSD card, because the smart card serves as "smart card", "memory card" and contactless payment features, has been gradually pay phone near-field, mobile authentication, the areas of mobile TV shows strong vitality.Smart MicroSD card basic functions include:FLASH memory (1G～32GB), security authentication, RFID and contactless payment functions such as finance. Product Mechanical Dimensions, external electrical signal, communication bus protocol and the standard memory card line, and currently on the market with memory card interface device is compatible.Existing products based on smart card types, including financial payment cards, identity cards, mobile TV resolution card, Zigbee-SD memory cards and other innovative smart products.Meanwhile, this paper build on non-contact smart MicroSD card payment structure that are involved in a variety of factors were thinking, described the composition of smart MicroSD card technology, standards, work patterns, application classification, implementation patterns, analysis of smart MicroSD card security features of this new technology, compared with existing contactless payment technology advantages and disadvantages of the scene, described the smart MicroSD card-based payment of non-contact physical basis.On this basis, analyzed based on non-contact smart MicroSD card payment security model of PKI,under the PKI security system, the proposed smart MicroSD card based on contactless payment identity authentication+OTP" dual certification structure to meet the authentication, integrity, privacy, non-repudiation, accountability and fairness, and will not affect the system speed. Framework for the payment of the various participants have made a detailed description, given the detailed near-field process and payment system has made the security analysis and demonstration, on payment of transmission security and safety of both the payment framework for security argument. At the same time from the payment process, the principal operating position, regulatory policy and consumer acceptance of such multi-perspective, systems, dialectical payments on non-contact mode, RF-SIM mode of payment and NFC near field patterns were analyzed. Summarized based on non-contact smart card payment model development advantages, as well as operation mode and other characteristics.Based on contactless smart MicroSD card payment services and the emergence and development, will further promote the integration of telecommunications and financial industry development. In this paper, the contents of industrial convergence theory, from the telecommunications industry and financial sector integration of new business-the perspective of mobile payment clear exposition of the traditional telecom industry and the integration of the financial industry, the status, trends, characteristics and on the Chinese telecom industry and the impact of the financial industry and effect. To search through existing literature, sorting, the industrial convergence of theory into the traditional telecommunications industry to the financial industry, including the integration of motivation, performance and integration of the impact of fusion, of the government and telecommunications companies and financial enterprises in the integration of traditional Trends in the best response strategy.