Abstract

The study presented mobile wallet system architecture, in order that people can consume more convenient and efficient in life. Nowadays, existing mobile banking applications require real-time online and its tedious steps have been unable to meet needs of users. With the emergence of smart phones continues to heat up in the world, more and more payment methods use mobile payment. In addition, with the continuous improvement of mobile hardware devices, it will be possible that people can use mobile NFC (Near Field Communication) tags for payment. This study realized the prototypical system of this architecture in the android environment. Consumer uses this application to achieve proximity payments, without networking. Consumer simply closes to the POS (Point of Sale) devices gently, then the payment can be completed.

Keywords:

Digital certificate, NFC technology, offline consumption, proximity payment, safety verification,

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Competing interests

The authors have no competing interests.

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The authors have no competing interests.