基于MicroSD卡的移动支付方案研究

发布时间：2018-06-30 10:18

本文选题：移动支付 + 近距离支付　；参考：《复旦大学》2014年硕士论文

【摘要】：手机与钱包是现代人不可或缺的两件随身携带品,然而,随着科技的不断发展,手机与钱包这两件在使用属性和功能上截然不同的物品越来越呈现合二为一的趋势,特别是智能手机的出现,使得手机与钱包之间的关系变得愈加密切,由于市场需求的发展,一种新型的产业——移动支付便应运而生。移动支付的核心是将手机终端与智能卡相结合,既可以利用手机模拟智能卡的方式实现近场支付,也可以利用手机的网络通信功能,实现手机终端与金融机构交互,完成远程支付的功能。本文首先介绍移动支付目前在国外的发展趋势,结合国内的发展状况介绍了几种常见的移动支付方案,比如：短信支付方案、客户端支付方案、外设支付方案、SIM全卡支付方案、NFC全终端支付方案、NFC-SIM方案等等,对各种方案优缺点进行全面的比较和总结。本文重点介绍两种MicroSD卡的移动支付解决方案,一种是SWP-SD方案,该方案是基于NFC技术,将智能安全芯片集成与MicroSD卡当中,利用集成在移动终端NFC非接触通信功能,将移动终端与MicroSD卡有机结合,形成支付信息载体,既支持远程支付,又可以实现近距离刷卡支付的移动支付方案。另外一种是ANT-SD方案,该方案将安全模块、CLF模块及天线全部集成在MicroSD卡当中,不需要修改终端设备,只要有SD卡槽就能完成远程支付,只要独立供电就可以实现近场支付。从功能模块到接口电路,从基板设计到封装测试,从驱动开发到接口文件设计,从开卡流程到测试验证,从研发难题到解决方案,完整阐述了基于MicroSD卡移动支付方案设计、开发、生产、调试、量产等各个过程。本文希望通过对MicroSD方案的介绍,能够为我国移动支付方案领域注入新的生命力。
[Abstract]:Mobile phones and wallets are two indispensable carry-on items for modern people. However, with the continuous development of science and technology, mobile phones and wallets are becoming more and more different in their use properties and functions. Especially with the appearance of smart phone, the relationship between mobile phone and wallet becomes more and more close. Due to the development of market demand, mobile payment, a new industry, comes into being. The core of mobile payment is the combination of mobile phone terminal and smart card, which can not only realize near field payment by using mobile phone analog smart card, but also realize the interaction between mobile phone terminal and financial institution by using the network communication function of mobile phone. Complete the function of remote payment. This paper first introduces the development trend of mobile payment in foreign countries, and introduces several common mobile payment schemes, such as SMS payment scheme, client payment scheme, combined with domestic development situation. The peripheral payment scheme includes SIM all-card payment scheme NFC full-terminal payment scheme NFC-SIM scheme and so on. The advantages and disadvantages of various schemes are compared and summarized in an all-round way. This paper mainly introduces two kinds of mobile payment solutions of MicroSD card, one is SWP-SD, which is based on NFC technology, integrates intelligent security chip with MicroSD card, and integrates into NFC contactless communication function of mobile terminal. The mobile terminal is combined with the MicroSD card to form the payment information carrier, which can support remote payment and realize the mobile payment scheme of brushing card in close range. The other is the ANT-SD scheme, in which the security module CLF module and antenna are integrated into the MicroSD card, and the terminal equipment is not modified. As long as there is an SD card slot, the remote payment can be completed, and the near field payment can be realized as long as the independent power supply. From function module to interface circuit, from substrate design to encapsulation test, from driver development to interface file design, from card opening process to test verification, from research and development problem to solution, this paper describes the design of mobile payment scheme based on MicroSD card. Development, production, commissioning, mass production and other processes. This paper hopes to inject new vitality into the field of mobile payment scheme through the introduction of MicroSD scheme.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：TN929.53

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