一种基于HCE的电子钱包无卡支付方案

A HCE Based Electronic Purse No-Card Present Transaction Solution

随着移动互联网技术和智能终端技术的进步,无卡支付的应用场景变得可行也被大众广泛接受。该文从技术实现的角度提出一种基于Android HCE的电子钱包无卡支付解决方案。在该方案中论述了基于手机的IC卡模拟原理,HCE电子钱包的交易流程、实现方法以及交易安全注意要点,并以地铁进出站检票为例,介绍HCE无卡支付在城市交通互联互通领域的应用方式,最后将方案和其他无卡支付方案进行了对比,分析该方案的优势与劣势,提出"HCE无卡支付方案更适合城市交通互联互通的应用场景"。

This paper presents an electronic purse no-card present transaction solution based on Android HCE from the technical realization point. In this paper, the principle of IC card simulation based on mobile phone, the transaction flow and implementation method of HCE electronic purse and the key points of transaction security are discussed. taking the application of the metro ticket checking as an example, the paper discusses the HCE no-card present transaction in the field of urban traffic interoperability applications. Finally, comparing this solution with other no-card present transaction schemes, this paper analyzes the advantages and disadvantages, and puts forward that 'HCE no-card present transaction solution is more suitable for the application of urban traffic interoperability '.