【作者】 刘宁；

【导师】 侯春萍；

【作者基本信息】 北京邮电大学 ， 电路与系统， 2012， 硕士

【摘要】 伴随着互联网的快速发展以及物联网的兴起,移动支付慢慢的成为人们生活中所熟悉与接受的支付方式。目前手机的普及与手机性能的提高,使得手机支付越来越普遍,手机与银行卡绑定支付已经成熟化,而国内的移动支付的发展仅仅在起步阶段,尚有多问题值得研究。面对3G时代的到来,移动支付必将进入了一个高速发展的时期。在以上背景下,本文通过对移动支付系统的需求、市场分析、基础架构、交易流程的分析,将目前第三方支付的概念整合到移动支付中,并依托第三方支付平台,优化了移动支付的交易流程,同时根据目前移动支付的系统现状及其建设定位,对移动支付安全架构进行了分析与设计。在安全架构的基础上,对系统的安全模块进行修改与设计,针对移动支付系统中突出的安全问题进行研究设计。本文给出了移动支付系统的主要交易流程图、移动支付系统的优化系统功能架构、称动支付系统的安全功能设计及其安全模块设计等。本文进一步研究了移动支付中的安全问题。认证和密钥安全是移动支付安全的关键,在接入过程中起着很大的安全作用。在移动终端客观能力有限的条件下,移动支付系统多采用对称密码技术,而这种密钥技术使得移动业务的使用受到很大的限制。在3G时代,移动支付发展如火如荼,采用公钥密码提供更为全面的安全性服务已成为移动支付中最新的重要研究课题。本文基于此提出了一种基于自认证的公钥的密钥解决方案。在以上研究分析的基础上,本文建立了系统的安全仿真模型,根据现有硬件能力,对安全的权重进行分析,最后得出安全仿真系数,对系统的安全性进行仿真,得到系统的安全仿真结果并对其进行分析。本模型不仅可对现有系统进行仿真模拟,且在未来工程扩容建设中具有一定的指导意义。本文最后介绍了移动支付的前景和发展趋势,分析了系统需要进一步探讨和实现的问题。更多还原

【Abstract】 In recent years, E-commerce develop very rapidly and third-party payment has become a familiar and accepted method of payment. With the popularity of mobile phones and mobile performance is better and better. The widespread use of bank cards with relation to user’s phone, which make that make payments with cellphone is being used by more and more people, but China’s mobile payment service is starting on this way, there are many issues which worth studying. With the advent of 3G era, the mobile payment will enter a period of rapid development.As this background, the paper have a analysis of the concept of mobile payment, mobile business trends and abroad, will now introduce the concept of mobile payments, which is not only drawing on the thinking of third-party payment that modify the mobile payment process, but also with the current status of mobile payment services, have a good position by analysising of the advantages of the introduction of third-party and third-party payment processing platform Based on the security architecture, this paper analysising the platform functional requirements and new payment model and overall elaborated system design of the third-party mobile payment, which make the system architecture more secure. This paper describes using a variety of views, including the system’s network structure, function of the system view, the main system architecture, the typical interaction flow between the modules when the system is running, and so on.The further study of the safety in mobile payments and the key to it are Authentication and key security.The conditions of the mobile is Limited capacity and the mobile payment system to use symmetric cryptography, the key technology which enables the use of mobile services severely limited. In the 3G era, mobile payment is developing quickly with the use of public key cryptography which provides more comprehensive security services in the mobile payment and has become the latest important research topic. Based on this, this paper proposes self-certified public key solution.Based on the research and analysis in this paper and the existing hardware capacity, a security system simulation model is builded, with further analysising,we can get simulation-security-factor on the security of the system for simulation.This model is not only to present system simulation, and to help expansion of the construction project in the future.Finally, this paper describes the development of mobile payment prospects and trends,gives the analysis of the system needs further exploration and implementation issues.更多还原