Design And Implemetation Of Secure Internet Payment Terminal Based On Financial IC Card

With the rapid development of financial industry, Financial IC card has become amain trend in the financial markets. Financial IC card has the characteristics of highsecurity, good scalability, strong applicability, and brought many new patterns of paymentto satisfy the increasing demand. However, in the traditional internet payment, the mainmethod of payment uses bank card numbers and password, Using U dun to establish areliable security environment to protect user information, but it can’t satisfy the financialIC card payment feature, Thus,combining the financial IC card with internet, designing akind of payment terminal that not only can satisfy the characteristics of financial IC card,but also can become more secure in internet payment environment.On the basis of studying the financial IC card relevant norms and standards, and theterminal security technology. Putting forward demand analysis and the overall designmentality, it contains three aspects: the design of hardware and software,and security.In the aspect of terminal hardware, Design hardware architecture diagram, joining thekeyboard and display module that makes the users take part in the transaction possible toenhance the security.In the aspect of software, adopting the firmware, driver layer, middle layer andapplication layer of the hierarchical structure, it is advantageous to the software modularimplementation and to meet the requirements of some of interface specificationIn the aspect of security, Using PSAM card binding terminal,complete mutualauthentication of PSAM card and the terminal. So as to ensure card and the terminal to betrusted, Through multifactor authentication techniques: the external certification betweenfinancial IC card and the terminal, the bidirectional authentication between terminal andthe background server, and realize the logic of financial IC and background servicessecure channel.