The Design And Implementation Of HCE Payment Software Based On Android

With the development of internet and the popularization of smart phone,the functions of mobile phone change quickly.As a result,more and more payment softwares appear in the market,increasing the requirements of mobile payment.Based on Near Field Communication(NFC),Host Card Emulation(HCE)can achieve offline payment.And owing to its attributes of convenience and security,it is recognized by professional payment operators.Based on the research of HCE and its specifications,a mobile payment software is developed in this thesis on the Android platform which uses HCE technology to simulate a smart phone as a bank card to make payment.On the basis of the design of HCE module and basic functions such as payment function,in order to ensure the security of data storage and transmission,database encrypted by SQLCipher is used to protect local data;bidirectional verification of HTTPS is used to ensxure the safety of internet transfer and GOST algorithm is used to ensure the safety of HCE communication.In order to improve system performance of the software,the optimized Application Protocol Data Unit(APDU)and reconnection mechanism are developed to optimize HCE communication.Meanwhile,asynchronous Remote Procedure Call(RPC)is used to enhance the network communication capability under the condition of weak network.The test shows that for the HCE payment software proposed in this thesis,the basic functions have been reliably achieved.As to security,local data can be protected while the device is rooted;the server and the client can communicate with each other only when they have made mutual certification.As to performance,the time of payment is between 300 ms and 360 ms,and the success rate is one hundred percent,which meet the requirements of China UnionPay mobile payment specifications.