基于金融标准的移动支付技术在宁波轨道交通的应用

Application of Mobile Payment Technology Based on Financial Standard to Ningbo Urban Mass Transit

随着移动支付技术的发展,快捷便利的支付方式成为城市轨道交通广大乘客对运营服务水平的迫切需求。分析宁波城市轨道交通实现手机移动支付的基本条件,即:手机终端内置近距离无线通信芯片、AFC系统能够识别处理IC卡数据及清分中心系统与手机之间的数据处理,重点介绍SWP-SIM技术实现方式、AFC系统读卡器选型、交易信息安全保障机制和基于金融标准的相关业务数据结构整体规划等工程实施关键技术及重难点,描述轨道交通实现移动支付功能的基本业务流程。

With the development of mobile payment technology, fast and convenient payment has been urgently needed for ur- ban mass transit passengers. The basic conditions are analyzed for the application of the mobile payment technology to Ningbo urban mass transit. The implementation modes of SWP-SIM technology, AFC system card reader selection, transaction infor- mation security mechanism and overall data planning based on financial standards are discussed as the key technologies and key points. The basic process of realizing the mobile payment for urban rail transit is also presented.