Research on Construction of Mobile Payment System Based on the Phone Financial IC Card

摘要

With the rapid growth in the number of the domestic mobile phone users and the widespread use of the third generation (3G) mobile communication technology, mobile payment will become a new means of payment and be gradually accepted. China Mobile and China Unicom have also been run mobile payment services in some areas at home. At present, many cities and regions already have a Phone Financial IC card which can provide contact and Non-contact applications of consumer who use the Point of Sales (POS), the phone financial IC card is the STM card which comply with the financial specifications PBOC2.0, it can provide an individual customer with a debit or credit services and pure e-wallet functions of financial payment. Mobile payment system based on the phone financial IC card will achieve savings, air deposit, inquiries, payments, communications and other functions. On the basis of the project, this paper depicts and analyses the mobile payment system architecture, business functions and key technologies in a detail.