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Business profile
The integrated solution of the bank contactless mobile wallet is composed of 4 major business applications and 8 major system platforms.
As shown in the figure above, the orange part represents the four major business applications provided by users, merchants and content providers; the red part represents the eight major system platforms provided by operators and service providers.
The contactless mobile wallet is a mobile phone SIM card that integrates security smart chips and radio frequency antennas into the SIM card. It uses card simulation, readers, and peer-to-peer communication as application modes to implement electronic wallets and online on mobile phones. Service products for a variety of business applications such as purchase, point redemption, and e-ticketing.
The integrated non-contact mobile wallet solution is a brand-new business that combines electronic currency, identity verification, mobile communications and mobile terminals, and supports operators and service providers to provide users with a convenient, efficient and safe way. Have and innovative products and services. Users can break through the limitations of mobile terminals and enjoy a variety of mobile payment services through SMS, GPRS and other communication methods anytime and anywhere without changing their mobile phones.
The integrated solution of contactless mobile wallet can help operators quickly build a powerful mobile wallet operating platform, providing a new operation, management and charging model; at the same time, for service providers in different industries, it provides services including authentication, transaction, and clearing. Various distinctive functions and services, such as settlement, enable each service provider to obtain a tailor-made overall platform solution.
Program features
The solution is based on the SIM card, and the application is placed in the security smart chip inside the SIM card, ensuring that the business is fully controlled and effectively managed by the operator. The security smart chip and the radio frequency module are integrated in a SIM card, so that users can use mobile wallet services without changing mobile terminals.
With this solution, other applications currently implemented on the Java card, such as banking and bus applications, can be easily deployed on the SIM card, making the SIM card a multifunctional smart card with multiple functions.
– Take the operator as the core
In this technical solution, all contactless applications are stored on the SIM card issued by the operator, so the operator can effectively plan and manage contactless services and play a core role.
–Multi-application support
The SIM card supports hardware partitioning and Global Platform (GP) technical architecture, and will be upgraded to support China Mobile’s CMS2AC specification. This architecture ensures that multiple independent security domains can be created in the SIM card in accordance with a complete set of security standards to store various completely different applications, such as electronic wallets, electronic coupons, fixed-point stored value, identification information, etc.
–Business portability and continuity
The platform can save all the application information that the user has opened. When the user’s card is lost or damaged, the original application and related data information can also be transplanted to the new card to ensure the continuity of the user’s application.
–flexibility
Since the application is stored in the SIM card, all applications can continue to be used normally after the user changes the phone.
–compatibility
In addition to supporting RF-SIM cards, it also supports a variety of smart SIM cards such as standardized NFC-SIM cards.
–Adaptability
Since different mobile terminals support different communication methods, the mobile wallet card can automatically select the best available communication mode (SMS/GPRS) according to the different mobile terminals installed, without the user’s perception Provide users with the best service experience.
–safety
The chip integrates hardware encryption, the communication process is protected by a key, and the user authentication and the security mechanism of the SIM card itself provide a safe operating environment for the transaction applications stored in the card. The Java card based on the GP architecture further realizes the isolation between different applications, effectively preventing unauthorized malicious attacks.
Solution advantage
–Proven commercial platform
Drive system construction and technological innovation with market applications. System design, R&D and upgrades are market-oriented and business-oriented. Through the formation of strategic alliances with internationally leading and well-known domestic partners, the comprehensive solution of contactless mobile wallets has the ability to meet national and multi-center operations, and is currently the only technology-advanced and high-availability in the market. Commercial platform.
–Improve overall control and management capabilities
Adopting the integration of mobile phones and smart cards, the non-contact IC card application is placed in the mobile phone SIM card, and the chip interacts with the SIM card through a single-wire communication protocol, which is more in line with the technical characteristics of machine-card separation. The original mobile communication applications and non-contact IC cards and other value-added applications are managed by a unified single chip, making it safer, simpler and more powerful for operators to release, manage and control SIM cards and their value-added applications. Improve the overall control and management capabilities of operators in services, systems, merchants, and users through technical means.
–High flexibility
In view of the different communication modes of mobile terminals, the platform adopts the design concept of communication adapters in the communication access layer. For different communication modes such as SMS, GPRS, WAP, etc., they are integrated into the communication adapter processing engine in the form of communication plug-ins to process business. The layer shields the processing differences of different communication modes of the same business.
–Quick service access and deployment
In response to the access requirements of different third-party systems, the platform not only releases access standard interfaces, but also provides a variety of interface calling methods including Java classes, Win DLL, Linux/Unix Lib, etc. according to the different characteristics of each third-party system. Facilitate quick access to third-party applications.
In view of the different application characteristics provided by various third parties, the platform has conducted in-depth analysis and extraction of existing business models during construction, and has preset a variety of standard business processing process templates, so that the application of these standard business frameworks can be used in Rapid deployment and implementation within the platform.
–High scalability
The system adopts a modular structure. Operators can easily integrate third-party applications, perform modular additions or product optimizations, and efficiently realize the rapid loading of operators’ own applications and rapid deployment of third-party applications, fully adapting to the needs of future business development.
–Stable and reliable system platform
When the system is designed, a complete correction and reconciliation (data consistency check) mechanism is established for various abnormalities, which can ensure the abnormal recovery processing of transactions in the shortest time. At the same time, the redundant design of the system guarantees high concurrency processing efficiency and 7×24 hours of continuous and stable operation.
–After-sales service
We have developed a detailed training program to ensure that operators effectively plan and implement projects and obtain relevant documents. We have an experienced team of senior engineers and a complete after-sales service system to provide you with timely and thoughtful after-sales service. We also provide you with multi-channel after-sales support such as telephone and internet.
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