Application Of Mobile Payment Based On Digital Signatures In E-commerce

With the rapid development of mobile devices, especially smart phones and tablet PCs, and the popularity of 3G networks at home and abroad, the rapid follow-up of 4G networks, fixed Wi-Fi everywhere, the tide of mobile Internet is changing with each passing day. These are the rapid follow-up to provide the opportunity and premise for mobile payment, but also indicate that mobile payment has an immeasurable value. According to iResearch statistics, the scale of mobile payment, from 2012 to 2014 the average growth rate of over 70%, on the one hand, thanks to the rapid integration of e-commerce into people’s daily life, on the other hand, because of the advantages of mobile payments using the scene has a significant advantage. Mobile payment is expected to become an important means of payment.Compared with the booming market prospects, the current mobile payment market application products clearly have two stage differentiations. PayPal application based on mobile payment instruments accounts for nearly seven of the market turnover, has formed an absolute monopoly. With the continuous enhancement of the dominant position, Alipay has prohibited similar enterprises with business overlap to use payment products, so it is imperative to develop a mobile payment tool which can be customized, safe, reliable, and freely chosen by users.On the basis of analyzing the existing mobile payment technology, this thesis designs and simulates the mobile payment system named MPSBDS. The system provides the function of online payment by mobile terminals, provides the second development interface for personalized customization, provides the dynamic storage ability of the private key, and provides real-time detection of connection state for mobile payment applications. Combination of mobile online payment functionality and e-commerce platform, which shows the availability of payment functions. This thesis will introduce the main contents of system from the following aspects:1. Propose a mixed signature scheme to ensure the information security of mobile payment system.In order to protect user information security in the payment process, on the one hand to choose the current generally recognized as safe based on public key digital signature scheme (RSA, ECC and JUNA), on the other hand to propose hybrid signature scheme by dissimilar algorithms at different stages in the payment system, and to explain application scenarios, key generation and public key for exchanging.2. Propose the dynamic storage key method to reduce the risk of the key leakage or stolen.Taking "generate before using, destroy after ending" principle in key management, and the private key is stored in the memory when the program is running, then destroyed automatically after ending, thus reducing the risk of leakage. The public key is stored in the database, to facilitate the exchange and follow-up check.3. Propose parallel algorithms to improve the efficiency of digital signatures.In the process of digital signature algorithm, the proposed algorithm parallelization super long integer arithmetic, the practice shows that, the super long integer exceeds a certain length, the algorithm can improve operational efficiency.4. Track and feedback real-time status to enhance the user experience.Due to the dependence of the mobile payment on the wireless network, MPSBDS uses the network heartbeat detection technology. On the one hand, it is easy for the user to grasp the information of the online connection status, and enhance the user’s interactive experience of the payment tools; on the other hand, it can reduce the waste of the server’s connection resource.5. Provide mobile payment tool call interface to reduce R & D costs of enterprises.The open source nature of mobile payment instruments is joined in the design, only does version limit payments to its core business, to prevent the fragmentation of the application, and the remaining business can be secondary developed by enterprises or a qualified individual, meanwhile forming the public interface to different systems will be applied to all aspects of them.6. Simulate mobile payment tool in the use of e-commerce platform to verify the feasibility of mobile payment.Finally, this thesis not only explains the shortcomings of the system, but also puts forward the emphasis on the next phase of the study and the work objectives.