Laura Zhunissova

International University of Information Technology, Almaty, Republic of Kazakhstan, master.

" Development of methodology and model of electronic payment systems via mobile phones based on NFC technology"

Abstract

This article considers aspects of using NFC technology in mobile online services of new generation on the example of electronic payment system which is realized by technological environment tool.

Keywords: mobile payment systems, NFC, methodology, evaluation.

Currently, there are two main technologies for mobile payments, it is - the short message service (SMS) and Near Field Communication (NFC). In case of payment through SMS, the user sends a request for payment via SMS text message to the number and means of payment will be deducted from his phone bill. These payment systems are primarily used for the acquisition of digital services, for example music, ringtones, etc. Since the delivery of the message takes some time, some data SMS messages can be jammed, so the system is slow and not reliable. Instead, the majority of mobile payment systems are switching to the use of technology NFC, causing the user and seller can in a matter of seconds to make a transaction between them without fear of data loss.

On an equal basis with traditional means of communication as the voice communication and the Internet, at present considerably raised a role of technology of local interaction. Currently, there are different wireless technologies to establish local connection: IrDa, Bluetooth, Wi-Fi, NFC, etc. They are different by the principle of functioning, have the distinctive radius of action and are suitable for the solution of absolutely different problems of interaction of mobile devices. The most advanced technology is NFC, based on the principle of mutual magnetic induction. NFC technology involves small (10 cm) radius, which provides a local interaction of the two devices, wherein the signal intercepted by a third party as limited, but in this case the communication is configured simply and quickly. These qualities have been applied to the problems of development and promotion of mobile commerce technology. [1]

NFC (Near Field Communication - near field communication) - the technology of short-range radio communication, can both transmit and read data for further processing at a frequency of 13.56 MHz. NFC - a simple extension of the ISO 14443, which brings together interface and a reader into a single device. NFC can communicate with existing smart cards, readers of ISO 14443, NFC devices, etc. This technique is compatible with existing contactless infrastructure of cards that have been used successfully in the current public transportation and payment systems. Compared with bluetooth standard NFC has a significantly shorter time to establish the connection. NFC triggered communication when NFC-compatible devices are at a distance of about 4 cm apart. In the NFC connection is maintained by the mutual inductance loop antennas. The maximum operating distance for standard antennas does not exceed 20 cm, and the data transfer rate can be set to 106, 212 or 424 kbit / s. [1]

Advantages NFC, compared to Bluetooth and IrDa, are lower power consumption and cost of implementing the device in the mobile phone. Table 2 provides a comparative analysis of technologies NFC, Bluetooth and IrDa recruitment technology and consumer criteria. [2]

Features	Bluetooth	IrDa	NFC
A session in peer to peer mode	-	+	+
Automatic initialization of the communication session	-	-	+
High Speed Session Initiation	-	+	+
Confidentiality of the communication session	-	-	+
The possibility of a quick transaction	-	+	+
High speed data transmission	+	-	+
Security at the hardware level	-	-	+
Security in software	+	-	+
Emulation of contactless smart cards	-	-	+
Low cost of implementation in the phone	-	+	+
Availability of standard PC interfaces	+	+	-

Table 2. Comparative analysis of the technologies of local interaction

From Table 2 it follows that the NFC technology in terms of the objectives of mobile commerce is the most promising. The absence of present day standard interfaces NFC in personal computers due to the low prevalence of technology.

Implementation capacity of local interaction gives rise to new classes of software for mobile phones that differ in the methods of using technology NFC.

• Applications that use contactless smart card, for example, transport, payment, identity services.

• Applications that support mode reader / writer. These include, information, services, which provide information to the NFC-tags and smart posters, and download a mobile phone e-tickets and coupons for later presentation. For example, when buying transport tickets on NFC technology can additionally download the location map or timetable of transport. [2, 3].

• Applications that require peer to peer mode of NFC-enabled devices. These include services associated with the need to exchange data with another phone, computer or electronics subject.

Such applications provides ample opportunities for non-contact interaction between electronic devices [2, 4].

The implementation of mobile payment systems based on NFC technology involves high requirements for information security. Such a system must provide secure storage, cryptographic encryption, and secure environment for program code.

In the mobile phone applications using NFC, need to unify the distributed interactions are managed runtime-system. The most often used Java Virtual Machine as a runtime-system. Currently, there are standardized Java-interface for implementing contactless NFC applications in mobile devices. This is the Security and Trust Services API for J2ME. It consists of four packages that allow you to interact with an element of security through the APDU (Application Program Data Units), provide tools JCRMI (Java Card Remote Method Invocation), which allows J2ME applications to use the technique to access the remote object Java Card, provide an API for working with public key infrastructure, and provide a set of cryptographic functions. Another important API, necessary for the implementation of applications, NFC-enabled handset is JSR257 (Contactless Communication API). This software interface provides control of the NFC-module on the mobile device. The above API provides developers full access to NFC-functionality of mobile devices and the security features in the most popular models of mobile phones that support NFC. [2]

For the convenience of the service user must have a mobile phone that supports NFC technology and open an account in the electronic payments, maintenance work with prepaid financial product [5]. On the phone installs client application that can be downloaded from the provider. Provider, in addition to the site should have a dedicated server connected to the Internet, and conducting database, NFC-turnstile and the appropriate account in the electronic payment system.

Service is a three-component distributed application, which includes the application provider, the mobile terminal and the control point. Service provider includes a module for processing client requests, the component interaction with the payment system, which is responsible for running transaction and database. Service provider supports a minimal graphical interface needed to configure and monitor the administrator.

The mobile terminal is implemented as a Java MIDlet. Its main functionality is to provide the user interface for receiving information. The mobile terminal includes a visualization module, NFC-logistics module authentication process and the network communication unit for communicating with the service provider. The point of control is implemented as a stand-alone-GUI application configuration and tracking. It comprises a user interface (in the form of authentication indicator) networking module with the server and the NFC-module required for validation.

Relations between the functional parts of the service performed by the HTTP protocol over TCP / IP. This service combines a high level of interactivity with the capabilities of modern telecommunication technologies. [2]

The article sets out software payment system via mobile devices based on the technology NFC. It also reviewed the classification of technology and also security problems. With the help of the developed architecture developer has the opportunity to design a distributed application by describing the business process domain, and based on it to carry out automatic code generation, including the implementation of standard components.

REFERENCES

1. Choi Y.B., et al., The state-of-the-art of mobile payment architecture and emerging issues // International Journal of Electronic Finance - vol. 1, №1 -2006-P. 94-103.

2. Mathematical and software technology of electronic payments in cellular networks. Oleg Zolotarev. St. Petersburg, 2009

3. Dominikus S. and Aigner M., mCoupons: An Application for Near Field Communication (NFC)// 21st International Conference on Advanced Information Networking and Applications Workshops (AINAW07), 2007.

4. Ailisto H., et al., Bridging the physical and virtual worlds by local connectivity-based physical selection // Personal and Ubiquitous Computing - vol. 10, №6 - 2006 - P. 333-344.

5. Zolotarev OA, Grinina EA, AB Boukhanovsky Instrumental technological environment to create mass mobile online services of the new generation. Part I: Function and software architecture / / Scientific and technical bulletin ITMO-SPb.: ITMO, 2008.-Vol. 54. - P. 80-85.