Replace a phone card with a chip bank can "brush cell phone" by bus, taxi, you can also buy in as the country's self-service vending machine thing ...... 5 mobile e-commerce innovation of financial technology services directed to declare one of the cities, Up to now, Guiyang has released an NFC payment SD card and SIM card has reached more than 3,000, the size of the country issuing the forefront.
NFC payment fast communication distance, Flex encryption to ensure payment security
NFC in the end what is the function? This function may affect the phone's security consumers pay it? Industry experts said, NFC is similar to a short-range Bluetooth wireless technology, has the speed, the distance is short and so on. With NFC, consumers just lightly brush the phone, you can complete the payment within 1-2 seconds, the current NFC phone is realized Guiyang transportation, shopping, entertainment and other consumer when the micro-payment and access control, parking, tourism Tickets and other applications, in addition, Guiyang has developed a conventional IC card to open the card can not be achieved in the air, the air recharge, online certification, details of inquiries, remote door and other convenient features. Application of NFC technology, give people a new way of life, industry experts believe that the mobile phone is one of the NFC payments in the future development direction of mobile payments.
But now more powerful smart phones, smart phones for a variety of viruses also will spread, consumers enjoy a more convenient payment behavior, but also worried about the bank card information disclosure, mobile phones and other accounts of the money stolen issue. In this connection, the reporter interviewed experts Guiyang mobile financial development Limited.
According to Jing Wang, executive vice president of mobile financial Guiyang Company, NFC technology is developed on the basis of RFID (radio frequency identification) technologies. Like with NFC, RFID technology also transmit information via electromagnetic induction coupling radio frequency part of the spectrum, but there are some differences between the two. According to reports, due to the use of RFID technology is 2.4 gigahertz radio spectrum bands to exchange data, the field of its signal strength than the NFC 13.56 MHz stronger, so the RFID transmission range of up to 1-10 meters.
But he said, "As NFC phones to take SE chip hardware encryption and software encryption combination, less than 0.1 seconds of time to complete, such as ID and key data transfer, a hacker under the conditions of such a rapid exchange of data intercepted and deciphered little chance of the radio signal. "In addition, the NFC communication distance than that required to close RFID, NFC mobile payment card needs to communicate within a range of less than 0.1M, and the only point to point communication, which guarantees the payment data in the mobile communication high degree of confidentiality and security of the transmission, as long as the user's terminal equipment within the scope of management, there is no possibility that the stolen brush. It also further enhance safety than RFID, but also pay more than the current two-dimensional code, audio payments, Sonic must pay a lot safer.
NFC-SIM card is responsible for manufacturing the SCS business development manager, said Liu Xiaoliang, in addition to the communication distance requirements, encryption degree U Shield bank issued NFC-SIM card would be similar, U Shield is a security chip to do In the U shield inside, and this security chip NFC-SIM card itself. When the NFC feature to run security chip will read the SD card or TF card key, after obtaining authorization to default NFC chip with other NFC chip for data exchange. If you can not read the key, it will display an illegal operation.
But Wang Jing reminder, NFC phone card, although it is very safe to use, convenient, but once the phone is lost, it is necessary to re-submit NFC-SIM card, registration card back CUP card account can get back the money, but the CUP card account Quancun into the card account money brought back. So NFC phone card is more suitable for small consumer, users usually do too much stored value card account.
Besides Wang Jing also warned for the effective protection of mobile payment security, users should always change the password used to pay, there is a risk of involuntary clicking web links, while using other mobile payment software avoid using public free wifi pay, bound the relevant bank card too much money not to be stored. In addition, users should regularly phone virus cleanup operations at regular website to download mobile applications, avoid the use of third-party software, the phone is not in the pay-virus protection.
Replace a phone card with a chip bank can "brush cell phone" by bus, taxi, you can also buy in as the country's self-service vending machine thing ...... 5 mobile e-commerce innovation of financial technology services directed to declare one of the cities, Up to now, Guiyang has released an NFC payment SD card and SIM card has reached more than 3,000, the size of the country issuing the forefront.
NFC payment fast communication distance, Flex encryption to ensure payment security
NFC in the end what is the function? This function may affect the phone's security consumers pay it? Industry experts said, NFC is similar to a short-range Bluetooth wireless technology, has the speed, the distance is short and so on. With NFC, consumers just lightly brush the phone, you can complete the payment within 1-2 seconds, the current NFC phone is realized Guiyang transportation, shopping, entertainment and other consumer when the micro-payment and access control, parking, tourism Tickets and other applications, in addition, Guiyang has developed a conventional IC card to open the card can not be achieved in the air, the air recharge, online certification, details of inquiries, remote door and other convenient features. Application of NFC technology, give people a new way of life, industry experts believe that the mobile phone is one of the NFC payments in the future development direction of mobile payments.
But now more powerful smart phones, smart phones for a variety of viruses also will spread, consumers enjoy a more convenient payment behavior, but also worried about the bank card information disclosure, mobile phones and other accounts of the money stolen issue. In this connection, the reporter interviewed experts Guiyang mobile financial development Limited.
According to Jing Wang, executive vice president of mobile financial Guiyang Company, NFC technology is developed on the basis of RFID (radio frequency identification) technologies. Like with NFC, RFID technology also transmit information via electromagnetic induction coupling radio frequency part of the spectrum, but there are some differences between the two. According to reports, due to the use of RFID technology is 2.4 gigahertz radio spectrum bands to exchange data, the field of its signal strength than the NFC 13.56 MHz stronger, so the RFID transmission range of up to 1-10 meters.
But he said, "As NFC phones to take SE chip hardware encryption and software encryption combination, less than 0.1 seconds of time to complete, such as ID and key data transfer, a hacker under the conditions of such a rapid exchange of data intercepted and deciphered little chance of the radio signal. "In addition, the NFC communication distance than that required to close RFID, NFC mobile payment card needs to communicate within a range of less than 0.1M, and the only point to point communication, which guarantees the payment data in the mobile communication high degree of confidentiality and security of the transmission, as long as the user's terminal equipment within the scope of management, there is no possibility that the stolen brush. It also further enhance safety than RFID, but also pay more than the current two-dimensional code, audio payments, Sonic must pay a lot safer.
NFC-SIM card is responsible for manufacturing the SCS business development manager, said Liu Xiaoliang, in addition to the communication distance requirements, encryption degree U Shield bank issued NFC-SIM card would be similar, U Shield is a security chip to do In the U shield inside, and this security chip NFC-SIM card itself. When the NFC feature to run security chip will read the SD card or TF card key, after obtaining authorization to default NFC chip with other NFC chip for data exchange. If you can not read the key, it will display an illegal operation.
But Wang Jing reminder, NFC phone card, although it is very safe to use, convenient, but once the phone is lost, it is necessary to re-submit NFC-SIM card, registration card back CUP card account can get back the money, but the CUP card account Quancun into the card account money brought back. So NFC phone card is more suitable for small consumer, users usually do too much stored value card account.
Besides Wang Jing also warned for the effective protection of mobile payment security, users should always change the password used to pay, there is a risk of involuntary clicking web links, while using other mobile payment software avoid using public free wifi pay, bound the relevant bank card too much money not to be stored. In addition, users should regularly phone virus cleanup operations at regular website to download mobile applications, avoid the use of third-party software, the phone is not in the pay-virus protection.
