Before the introduction of mobile payments GB , CUP , telecom operators have launched a variety of mobile phone payment pilot business. Such as China Telecom, China Unicom, have been released , " wing payment" "fertile payment" , UnionPay launched the " CUP online payment" "CUP Internet phone payment" , etc. These seem functionally similar mobile payment functionality behind the technology path is different for each same .
In the national standard -setting process , the mobile payment technology standard has always been around 2.4GHz led by China Mobile and China UnionPay dominant standard 13.56MHz standard swing. Although the GB was introduced in October of this year , however , as early as a year ago, the industry a voice said "13.56MHz programs will become the future mainstream of development " , in mid-December last year , the official People's Bank of China issued the " China Financial mobile payment series of technical standards " , but also NFC ( NFC ) standards adopted 13.56MHz technology .
"Each option has its own characteristics , reflecting the different application modes. Working group does not exclude any kind of program ." Geng said, " We took an open, transparent, and the principle of consensus , listen to opinions from all sides , and actively exchange and communication in the standard-setting process, the China Electronics Standardization Institute organization CUP and three operators combine their pilot application on the market on a variety of mobile payment technology solutions from the technical characteristics of the industrial chain case , the application environment situation, trial and validation of the case , the standard supported , intellectual property rights and other aspects of the situation detailed analysis and in-depth exchanges from compatible with existing financial standards , existing financial contactless acceptance network perspective , the working Group discussed , at this stage in the national standards based on 13.56MHz operating frequency to meet financial security and related regulatory requirements . "
How to protect mobile payment security
Security issues in the mobile payment business has always occupied a very important position. On the one hand , the bank needs to make the user's transaction password encryption , such as the right to do some important hardware data encryption and the corresponding log management . On the other hand , telecom operators need to enhance signal transmission security issues prevent the signal being intercepted . The announcement of the mobile payment in the national standards , the problem is how to solve it ?
Geng Li told reporters that the national standard air interface from the mobile payment security and multi-application management and security aspects are described. First, the mobile payment in the original air interface transmission protocol is proposed based on an optional security support RF interface implementation mechanism ; secondly mobile payment is a typical multi-application , multi-channel management need to use multiple applications to determine the application various states , the application life cycle , to focus on ensuring the coexistence of different applications , and application concurrency own safety, the safety of visits between applications . " In the standard unit for the safety of the carrier issued in the proposed multi-application security unit safety regulations and requirements, describes the different types of security threats and the corresponding coping strategies, and the establishment of safety requirements or from a threat to security mapping provides each threat will be at least one security requirements or security coverage . "
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