金融IC卡可信服务管理的研究和应用
发布时间：2019-03-18 15:42
【摘要】：近年来,借助IC卡技术的移动支付业务开始兴起,各种IC卡充斥着人们的生活,大量卡片的携带开始成为负担,市场对一卡多用的需求快速增长。2011年,中国人民银行发布《中国人民银行关于推进金融IC卡应用工作的意见》开启了我国金融IC卡时代。随着PBOC3.0规范的发布,扩展应用功能的加入,极大提升了金融IC卡在地铁、公交等公共服务领域一卡多用的能力和优势。然而,当下却还没有一种便捷的方式,使得不同的服务提供商可以快速地接入到金融IC卡扩展应用中并提供相应的服务,这便是本文所要解决的问题。本文首先研究了以Java Card为代表的智能卡相关技术及其特点,研究了Java Card的系统结构、文件结构以及信息交互的方式,并对近场通讯技术与DES加密技术进行了研究,然后对PBOC3.0扩展应用规范进行了深入的研究,包括扩展应用个人化的要求、扩展应用安全性的要求和卡片扩展应用指令,最后基于上述研究结果,创造性地设计出一套针对金融IC卡扩展应用的金融IC卡可信服务管理平台框架,并对该框架进行了实现。本文的主要工作及贡献有:1.研究并设计出基于金融IC卡扩展应用的具有应用管理功能、安全管理功能、卡片管理功能以及用户体系管理功能的金融IC卡可信服务管理平台框架;2.通过一个实际项目对该平台框架的具体实现进行描述;3.接入实际的服务提供商并运用于现实生活,验证了该平台框架设计的有效性。
[Abstract]:In recent years, mobile payment business with the help of IC card technology began to rise, a variety of IC cards are full of people's lives, a large number of cards are beginning to become a burden, the market demand for one card is growing rapidly. In 2011, The people's Bank of China issued the opinion of the people's Bank of China on promoting the application of financial IC cards, which opened up the era of financial IC cards in China. With the release of PBOC3.0 specification and the addition of extended application function, the capability and advantage of financial IC card in the field of public service such as subway, bus and so on are greatly improved. However, at present, there is no convenient way for different service providers to quickly access to the financial IC card extension applications and provide corresponding services, which is the problem to be solved in this paper. In this paper, the technology and characteristics of smart card represented by Java Card are studied firstly, the system structure, file structure and information exchange mode of Java Card are studied, and the near-field communication technology and DES encryption technology are studied. Then the extended application specification of PBOC3.0 is deeply studied, including the requirements of personalization, security and instruction of the extended application. Finally, based on the results of the above-mentioned research, this paper makes a deep research on the extended application specification. A financial IC card trusted service management platform framework for the extended application of financial IC card is designed creatively, and the framework is implemented. The main work and contributions of this paper are as follows: 1. This paper studies and designs the framework of trusted service management platform of financial IC card with application management function, security management function, card management function and user system management function based on the extended application of financial IC card. Describe the concrete implementation of the platform framework through a practical project; 3. Access to the actual service provider and use in real life, verify the effectiveness of the platform framework design.
【学位授予单位】：电子科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：TN409;TP311.52
，
本文编号：2442995
[Abstract]:In recent years, mobile payment business with the help of IC card technology began to rise, a variety of IC cards are full of people's lives, a large number of cards are beginning to become a burden, the market demand for one card is growing rapidly. In 2011, The people's Bank of China issued the opinion of the people's Bank of China on promoting the application of financial IC cards, which opened up the era of financial IC cards in China. With the release of PBOC3.0 specification and the addition of extended application function, the capability and advantage of financial IC card in the field of public service such as subway, bus and so on are greatly improved. However, at present, there is no convenient way for different service providers to quickly access to the financial IC card extension applications and provide corresponding services, which is the problem to be solved in this paper. In this paper, the technology and characteristics of smart card represented by Java Card are studied firstly, the system structure, file structure and information exchange mode of Java Card are studied, and the near-field communication technology and DES encryption technology are studied. Then the extended application specification of PBOC3.0 is deeply studied, including the requirements of personalization, security and instruction of the extended application. Finally, based on the results of the above-mentioned research, this paper makes a deep research on the extended application specification. A financial IC card trusted service management platform framework for the extended application of financial IC card is designed creatively, and the framework is implemented. The main work and contributions of this paper are as follows: 1. This paper studies and designs the framework of trusted service management platform of financial IC card with application management function, security management function, card management function and user system management function based on the extended application of financial IC card. Describe the concrete implementation of the platform framework through a practical project; 3. Access to the actual service provider and use in real life, verify the effectiveness of the platform framework design.
【学位授予单位】：电子科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：TN409;TP311.52
，
本文编号：2442995
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