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针对一机仿真多卡的应用需求,基于密码技术设计了一个面向现场模式、支持多卡仿真的NFC(Near Field Communication,近距离通信)智能手机移动支付安全模式MCSP(Multiple Cards on a Single Phone,一机多卡),并面向MCSP模式设计了一个安全支付协议.通过在智能终端中增加一个支持SWP(Single Wire Protocol,单线协议)的安全TF(Trans-flash)卡,将多张银行信用卡信息与智能终端硬件信息绑定后加密存储在安全TF卡中,基于密码分割实现多信用卡间的安全隔离;通过采用三级密钥机制,保护信用卡信息的安全性;通过扩展应用密文消息,实现交易金额二次确认、PIN(Personal Identification Number,个人识别码)输入过程前移和完整性增强保护;通过重新设计交易计数器更新策略实现抗重放攻击.
In order to meet the application requirements of a multi-card simulator, this paper designs a multi-card based mobile communication security model MCSP (Multiple Cards on a Single Phone, One multi-card) and a secure payment protocol designed for the MCSP mode by adding one Secure TF (Trans-flash) card supporting SWP (Single Wire Protocol) to the smart terminal, After being bound with the hardware information of the intelligent terminal, the data is encrypted and stored in a secure TF card, and the security isolation between multiple credit cards is implemented based on the password split. The security of the credit card information is protected by adopting a three-level key mechanism. By expanding the application of the ciphertext message, Second confirmation of the transaction amount, PIN (Personal Identification Number) input process advancement and integrity enhancement protection; Anti-replay attack by redesigning the transaction counter update strategy.