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New Java Card Platform for Mobile Payment
– China Introduction
Hu Yan Alipay China
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大纲
• 什么是支付• 支付的发展进程 • 支付的改变 -BANK• 再一次改变支付 - MOBILE• New Mobile Payment-Java Card
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Overview of Payment
• A payment is the transfer of money from one party (such as a person or company) to another.
A payment is usually made in exchange for the provision of goods, services or both, or to fulfill a legal obligation.
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支付的发展进程 ... 价值
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支付的改变 -Bank
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支付的改变 -Bank
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支付的改变 -Bank
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再一次改变支付 - MOBILE
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再一次改变支付 - MOBILE
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再一次改变支付 - MOBILE
• The cashier • Select a payment method Successful pay
Mobile banking processes
Recharge the successful return
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Payment
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支付的未来
• 钱的本质代表的就是价值• 支付的本质是一种价值交换。• 未来,所有有价值的东西都是可以用来支
付,“包括你所在的地点、你的时间,你各种消费与信任的积累等各种信息。”
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Overview of payment
Payment Community
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Pay Anywhere
Passports
ContactlessSmart Cards
SIM Cards
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Using Cryptographic services
• Store certificates
• Use the Java Card Cryptographic API
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Java Card Crypto API
• javacard.security– authentication classes and a set of symmetric
and asymmetric cryptography key interfaces– Random Data
• Pseudo Random and Secure Random– Message Digest
• MD5, SHA1, RIPEMD160– Digital Signature
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Java Card Crypto API
• javacardx.crypto– the cipher class, which allows the use of
strong encryption and decryption– DES, DES3, RSA
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因为信任、所以简单
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About the architecture
• As an infrastructure service• Security payment service offers the
account service and payment service for upper layers applications.
• The security service includes encryption, authentication, authorization, cash-in channel and transaction query.
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Service Functional
Mobile Secure Payment Service (1)• Payment service : application can call
the payment service of security service, and the payment service will finish the transaction for the application. The payment service is a black-box for all applications
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Service Functional
Mobile Secure Payment Service (2)• Account service : Based on the features
of security service , account service will supply the account solution and allows application login and logout by connecting with application servers.
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Service API Definition
• Payments in apps - Mobile – Initialization
– Create the order
– Pay
String orderString = "partner=2088301265823075&seller=2088301265823075&out_trade_no=500000000006548&subject=道具 1&body=道具 1&total_fee=30.0¬ify_url=http://notify.java.jpxx.org/index.jsp&sign=kU2Fa3x6V985g8ayTo...5f1xg%3D&sign_type=RSA";
import com.alipay.service.*;Alixpay alixcardpay = Alixpay.getInstance();
Seller id
trade_no
total_fee
String result = alixcardpay.pay(orderString);
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Process outlined
Alipay
JAVACARD
API
ServerCloud
Server
wait for order confirm
send(partner, seller, buyer, …)
Alixpay.Pay (partner, seller, midlet)
confirm order
order payment result
success
TRADE_FINISHED
Sent to Cloud Payment
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Process outlined
evokes secure payment pay
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Security Service in JavaCard
Feedback
Services co-marketing
Issuer / Trusted Service Manager
• Gaming• Music• Sports
• Movies• Shopping
Facilitating New Business Models
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Payment Service in Cloud
Service Providers
Hardware Platform
Rich OS Application Environment
Rich OS
GlobalPlatformTEE Client API
Trusted Execution Environment
Trusted CoreEnvironment
GlobalPlatformTEEInternalAPI
TrustedFunctions
Payment Corporate
GlobalPlatformTEE Functional APIThe image cannot be displayed. Your computer may not have enough memory to open the image, or the image may have been corrupted. Restart your computer, and then open the file again. If the red x still appears, you may have to delete the image and then insert it again.GlobalPlatform
TEE Functional API
Client Applications
GlobalPlatform TEE Client API
TrustedApplication
DRM
TrustedApplication
Payment
TrustedApplicationCorporate
HW Keys, Secure Storage,Trusted UI (Keypad, Screen),
Crypto accelerators,NFC controller,
Secure Element, etc.
HW SecureResources
EnvironmentTrusted Core Trusted
Functions
GlobalPlatformTEE Internal
TEE Kernel
API
Hardware Platform
Rich OS Application Environment
Rich OS
GlobalPlatformTEE Client API
Trusted Execution Environment
Trusted CoreEnvironment
GlobalPlatformTEEInternalAPI
TrustedFunctions
Payment Corporate
GlobalPlatformTEE Functional APIThe image cannot be displayed. Your computer may not have enough memory to open the image, or the image may have been corrupted. Restart your computer, and then open the file again. If the red x still appears, you may have to delete the image and then insert it again.GlobalPlatformTEE Functional API
Client Applications
GlobalPlatform TEE Client API
TrustedApplication
DRM
TrustedApplication
Payment
TrustedApplicationCorporate
HW Keys, Secure Storage,Trusted UI (Keypad, Screen),
Crypto accelerators,NFC controller,
Secure Element, etc.
HW SecureResources
EnvironmentTrusted Core Trusted
Functions
GlobalPlatformTEE Internal
TEE Kernel
API
Hardware Platform
Rich OS Application Environment
Rich OS
GlobalPlatformTEE Client API
Trusted Execution Environment
Trusted CoreEnvironment
GlobalPlatformTEEInternalAPI
TrustedFunctions
Payment Corporate
GlobalPlatformTEE Functional APIThe image cannot be displayed. Your computer may not have enough memory to open the image, or the image may have been corrupted. Restart your computer, and then open the file again. If the red x still appears, you may have to delete the image and then insert it again.GlobalPlatform
TEE Functional API
Client Applications
GlobalPlatform TEE Client API
TrustedApplication
DRM
TrustedApplication
Payment
TrustedApplicationCorporate
HW Keys, Secure Storage,Trusted UI (Keypad, Screen),
Crypto accelerators,NFC controller,
Secure Element, etc.
HW SecureResources
EnvironmentTrusted Core Trusted
Functions
GlobalPlatformTEE Internal
TEE Kernel
API
Payment
Content
Enterprise
Facilitating New Business Models
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Merits for Alipay
• Revenue opportunity is increased by “Alipay module” embedded into mobile handset.
• Trusted and qualified brand making of “Alipay”, with embedded into market-recognized manufacturers hardware and devices
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New Mobile Payment-Java Card
• New Architecture
Java Card Payment Service
Java Card 支付服务
安全加密 身份验证 资金管理 通知服务
支付服务 账户服务