数字钱包(IJWMT-V5-N4-6)

I.J.WirelessandMicrowaveTechnologies,2015,4,62-68PublishedOnlineJuly2015inMECS()DOI:10.5815/ijwmt.2015.04.06Availableonlineat:SecureMoneyTransaction,e-Money,RFID,AES.©2015PublishedbyMECSPublisher.Selectionand/orpeerreviewunderresponsibilityoftheResearchAssociationofModernEducationandComputerScience1.IntroductionAdigitalwalletreferstoanelectronicdevicethatallowsanindividualtomakeelectroniccommercetransactions.Thiscanincludepurchasingitemsatastore.Increasingly,digitalwalletsarebeingmadenotjustforbasicfinancialtransactionsbuttoalsoauthenticatetheholder'scredentials.Forexample,adigital-walletcouldpotentiallyverifytheageofthebuyertothestorewhilepurchasingalcohol.Itisusefultoapproachtheterm“digitalwalletnotasasingulartechnologybutasthreemajorparts:thesystem(theelectronicinfrastructure)andtheapplication(thesoftwarethatoperatesontop)andthedevice(theindividualportion).[1]Anindividual'sbankaccountcanbelinkedtothedigitalwallet.Theymightalsohavetheirdriver'slicense,healthcard,loyaltycard(s)andotherIDdocumentsstoredonthePC.RFIDTagisusedfortheidentity.Thecredentialscanbepassedtoamerchant'sterminalwirelesslyviaRFModule.[2]Adigitalwallethasbothasoftwareandinformationcomponent.Thesoftwareprovidessecurityandencryptionforthepersonalinformationandfortheactualtransaction.Typically,digitalwalletsarestoredon*Correspondingauthor.E-mailaddress:[e-mail],[e-mail]63theclientsideandareeasilyself-maintainedandfullycompatible.Digitalwalletsaregainingpopularityamongmajorretailersduetothesecurity,efficiencyandaddedutilityitprovidestotheend-user,whichincreasestheirsatisfactionoftheiroverallpurchase.Theinformationcomponentisbasicallyadatabaseofuser-inputtedinformation.Thekeypointtotakefromdigitalwalletsisitcomposedofbothdigitalwalletdevicesanddigitalwalletsystems.TheDigitalWalletwillbeahardwaredevicewhichwillbeusingRadioFrequency(RF)fortheexchangeofmoney.Usingthisdevicewecanmakepaymentsatthestorewithoutcarryinganyhardcashwithus.TheothercomponentsusedinthedigitalwalletwillbeARM7processer,matrixdisplayandkeyboard.Therewillafingerprintscannerforthepurposeofsecurity.GPSwillalsobeusedinthedeviceasasafetyfeatureforthewalletwhichwillhelptolocatethedeviceandsecurityfeatures.[4]ForthesecuritypurposeandforavoidingthecloneattackerstohackintothedevicetheAdvanceEncryptionStandard(AES)hasbeenusedforencryptionpurpose.AESisablockcipherwithablocklengthof128bits.Itallowsfordifferentkeylengthssuchas128,192and256bits.Encryptionconsistsof10roundsofprocessingfor128-bitkeys,12roundsfor192-bitkeysand14roundsfor256-bitkeys.ThroughAES,thedatacanbetransmittedandreceivedinaverysecureway.AESkeepsthecodeencryptedsothat,itcannotbehackedbyanycloneattacker.[3]Thebasicfunctionofthedigitalwalletwillbeforthetransactioninthestoreortootherpeople,butthereareseveralotherusesofthedigitalwallet.Thewalletcanbeusedasakeyforthevehicles.Therewillbeasoftcopyofthelicenseinthewalletwhichwillbeactingasapass.Itwillalsohelptokeepourlicenseincheck.Inthewalletotherinformationsuchasourhealthinformationcanbestoredwhichcanbestoredwhichwillbehelpfulinthecasesoftheemergency.[5]Fig.1.DigitalWalletanditsUses2.DigitalWalletEcosystemAnunderstandingofkeystackholdersinvolvedintheeffortstomakemobilepayment,loyaltyanddigitalwalletsuniversalrealitiesleadstoabetterappreciationofthecomplexityofthechallenge.Firsttherearethosewhoownthecardoraccountdate.Therearemanytypeofcardcontroller,includingthevarioustypeofincumbentpaymentvehiclenetworkssuchasVisa,MasterCard,Discover,AmericanExpress,etc.thatareworkinghardtoremainrelevantasacceptanceofmobilepaymentsgrowsamongmerchantsandconsumers.Thesenetworkssettheruleforaccountsandlicenseissuerstodistributetheaccounttothegeneralpopulationsomoretransactionrunoverthenetwork.Thequalityofamobilepaymentsapplicationiscriticaltosuccessfulconsumertake-up.However,bankscannolongerrelyonmanuallytestingmobilepaymentsapplicationsastherearetoomanyvariables.Formobilepayments,testautomationisalmostalwaysnecessary.64DigitalWalletIt’stoocomplicatedtomitigateasignificantnumberofrisks,diversehardware,software