| 摘要(英) |
Mobile Payment in this paper refers to the personal hand-held mobile communication device payment, as included in the scope of traditional wallets, the relevant financial payment credit card, cash, electronic tickets, coupons and other integrated smart phone, complete various payment and transfer transactions. In recent years telecom operators, financiers, mobile devices industry, credit card organizations, etc. are all committed to the development of innovative technologies and application-related services, when the time is maturated, they would like to become the market′s biggest gainers.
Trusted Service Manage (TSM) is part of mobile payment solutions, plays make downloading your account to your phone in the process, safety and efficiency. Security element in your phone substituted entity card and payment card important information stored on mobile security element. Since the mobile network operators and issuers as a common carrier SIM card security element, because both sides have their information security needs, therefore required by an impartial third party: TSM is responsible for the middle of the data transfer and integration. To ensure that the consumer credit card information is completely safe.
For system processes and security mechanisms, this is the most important work to planning TSM platform, process and message exchanged all required to comply with Global Platform specifications, so as to ensure the accuracy and safety of operation, follow the same process can be reduced system-level complexity. Also in the design of security mechanisms, in addition to user authentication, or for all payment processes using encryption technology, or using message authentication codes and digital signatures, etc., are the essence of design security.
In this paper, with reference to online foreign TSM platform and products , put forward a basic construction of TSM platform must have the element that contains the basic principles of TSM, the role definition, TSM architecture, system processes and the need to consider the safety mechanism. Then according to Taiwan′s law, telecommunications environment and payments for ecosystem planning in line with Taiwan running TSM platform, which includes the TSM platform of customer service processes, how to charges and how to onboarding. service onboarding includes planning, testing, import and extension services. Finally, this paper paid for Taiwan forward the NFC action problems encountered, and that the combination of biometric payment action is for the foreseeable future development.
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