Brief,Discussion,Mobile,Paymen technology Brief Discussion on Mobile Payment
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Mobile Payment is also known as MobileWallet. It is a new way for people to pay the products or servicewith their mobile devices. Starting from cellphone SMS payment andcellphone WAP payment to recently NFC and remote payment, MobilePayment becomes more and more advanced. NFC is always understoodcommonly as mobile card service, which is promoted widely byoperators. And remote payment needs payment software in your phone tocomplete the whole process of the payment and transfer money.NFC, shorten from Near FieldCommunication, is a wireless tech first developed by Philips andpromoted by Nokia and other large cellphone manufacturers. NFC canexchange data between compatible devices in short distance. It isintegrated from radio frequency identification and interconnectiontechnology, combining proximity, contactless card and point-to-pointfunction in a single chip. If you put a NFC chip in your cellphone,it can pay small amont of electronic payment and read info from otherNFC devices or label. The short distance interconnection of NFCsimplifies the process of certification and identification and makesthe visit between two devices more directly, clearly and safely.Because of NFC, mobile phone, computer, camera and PDA can connecteach other wireless and exchange data. At the beginning, NFC is onlythe combination of RFID and web technology. But now, it is becomes afast developping short distance wireless communication technology.There are two exchange model of NFCsupported devices, active and passive. Under the active model, whenone device is sending data to the other device, they must producetheir own RF. Both original and the target device must have their ownRF in order to exchange data. This is the standard model of peer topeer network communication and it can receive the link settingfastly. While, nowadays, most mobile devices use passive model,because it requires low power and it can longten the battery life.Under the passive model, the devicewith NFC provides the RF in the whole communication process with 3options: 106kbps, 212kbps and 424kbps, to transfer the data to theother device. The other device is the target device does not need toproduce RF. With load modulation technology, it can transfer the databack to the original device with the same speed. So under the passivemodel, the NFC original device can test smart card and NFC targetdevice with the same link and initialization process, and bulidconnection with it.RFID's full name is Radio FrequencyIdentification. It is a kind of non-contact auto identificationtechnology. It can identify a target through radio signals and readthe info without mechanical or optical contact between the target andidentification system. It can work in kinds of harsh environment andwithout manual intervention. It can identify high speed object andidentify multi-labels. We can find RFID tech around us easily, suchas some RFID chip buildin tickets and so on.A safe GPRS mobile payment system basedon RFID is made up by 5 parts, mobile device, communication network,mobile security trading system, bank and application service providerand certification center. In this article, I just take cellphone asexample. It includes RFID label, mobile phone with JAVA mobilepayment software and POS that can read RFID. Among those, RFID cardand RFID POS is the sub-system of RFID. RFID POS reads the user'sinfo through RFID tech, and connects mobile payment system with PSTN,GPRS and so on. Mobile phone users use JAVA mobile payment softwareto exchange data with mobile payment system with GPRS and completethe payment. Let's just take an example. One day, wecan take a cellphone with RFID SIM card to buy a breakfirst atMcDonald's with your phone, and then you can take subway or buswithout paying cash. And when you are at some place that supportRFID, you can buy electronic ticket with your phone and in that paceyou can also buy food and drink with your cellphone. That's only apreview of the RFID payment in your life. It will have a brightfuture. Article Tags: Mobile Payment System, Mobile Payment, Payment Software, Exchange Data, Short Distance, Mobile Phone, Other Device, Target Device, Passive Model, Payment System
Brief,Discussion,Mobile,Paymen