The Design And Implementation Of Moblie Payment System For Bank On IPhone

In recent years,with the rapid growth of the Internet’s mobile business,the global mobile payment services show immeasurable value-added space and market potential.At the same time,We Chat and Alipay as the representative of the third party payment system began to rapid expansion,rapidly eroded originally belonging to the traditional cup acquiring market share.Fierce competition in the mobile payment market also allows banks to vigorously promote the non-contact mobile payments.September 2014,the U.S.Apple Corp released a mobile payment products based on iPhone mobile phones.With the release of mobile payments in the United States and the United Kingdom,a complete activation of the global NFC contactless payment market.Chinese consumers’ enthusiasm for mobile payment services has continued to rise,and domestic banks have also continued to introduce a highly innovative mobile payment service.In addition,with the bank’s private business with each passing day,the rapid development,but also brings the serious risk of customer information leakage.Personal bank business credentials,has been out of the passbook / single,magnetic stripe card era,entered the era of IC card and custom card.Bank data exists in the media,but also by the paper,plastic,IC card to the whole digital,virtual era.At the same time,in order to stimulate consumer spending,the bank also continue to launch innovative payment products.From the mobile payment business situation and development needs of a bank of research at home and abroad,the industry for the mobile payment scheme,proposed new architecture,to strengthen the safety management of the financial account,the transaction process is optimized,the apple iPhone mobile phone mobile payment system based on the establishment of safe,convenient and quick.The development process mainly focus on the system architecture,interface,database design in harmony,consideration of human-computer interaction,in order to protect the financial security as the basis,to enhance the customer experience for the purpose,and by reference to the current business division of service module,reduce the system upgrade on the business impact.Then through the comprehensive SIT and UAT test,verify the validity of the development system and the integrity of the requirements.This paper is based on the relevant theories of financial information engineering,analysis of the current mobile payment especially the main problems of NFC mobile payment system and method,analysis combined with the EMV Tokenization standard,put forward the reform scheme,designed according to Apple NFC mobile payment system,payment system of domestic and international standards.System will be put into operation after the mobile payment products to the application market,won the majority of bank customers in hot pursuit,the market responded enthusiastically.