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Position: Home > Articles > The scheme of safe mobile payment based on NFC technology Journal of Henan Institute of Science and Technology(Natural Science Edition) 2016,44 (6) 63-68

基于NFC技术的一种安全手机支付方案研究

作者：

梁云杰

单位：

公安部消防局

关键词：

手机支付;NFC技术;手机支付方案

摘要：

为了解决用户在使用手机支付时存在的支付金额限制、充值地点限制以及部分安全问题,提出一种基于NFC技术的手机支付方案.方案分为消费者注册阶段、消费(充值)阶段、付款阶段和回存阶段4个阶段.通过这4个阶段各个功能的实现可以快速提高消费者结账的效率和方便性,同时方案还可以实现消费者在实体商店消费时快速结账的功能.当消费者的账户余额不足时,可以利用发卡中心所提供的定点充值服务或者智能型手机本身内置的NFC读卡器来进行充值.

译名：

The scheme of safe mobile payment based on NFC technology

作者：

LIANG Yunjie;Fire Department in Ministry of Public Security;

关键词：

mobile payme;;NFC technology;;mobile payment

摘要：

With the rapid development of communication technology,mobile payment has found favor with customers,with its advantages of convenience,good compatibility and low cost,which has become a popular mode of payment.But its security problem has not got guaranteed,in order to improve its security,the scheme of safe mobile payment based on NFC technology was put forward.NFC technology was developed by the cooperation of Philips and Sony,integrated and evolved from RFID and internet,with short-distance communications.This system was designed based on the defect existing in mobile phone.The text primarily elaborates the background and objective of system research,and next expounds the concept,principle, method of mobile payment,as well as NFC abstract,work pattern,standard and application,and finally proposes the safe mobile payment system relied on NFC technology.

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基于NFC技术的一种安全手机支付方案研究

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