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© 2011
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Convenient Portability Efficiency Usability Security
1. Mobile Payment
2.
3. " "
4.
Remote Payment
- SMS(Short Message Service) 2. WAP(Wireless Application Protocol) 3. IVR(Interactive Voice Response) 4. USSD(Unstructured Supplementary Service Data) Local Payment
- SIMSIM-Pass 2. RFID-SIM2.4G Hz
- NFCNear Field Communication13.56M Hz
RFID
10 CM
Kbit/s
SMSUSSD
WAP
SMS USSD WAP
GSMSMS GSMSMS GSMGPRS
APP
OS
NFC
Token
Touch ID
Apple
Pay
Passbook
SE/Enclave
Apple Pay
NFC
· SIM · · Only Apply Pay
Touch ID
· ·
Passbook
· ·
SE
·
· Token
Token
· ·
Apple Pay
-
: Sniff 2. Collection 3. Interception
-
Masquerading 2. Replay Attacks 3. Modification 4. Denial of Service 5. Fabrication 6. Repudiation
WiFi DNS
APP
OS
APP
· Authentication
· Confidentiality
· NoneRepudiation
· Integrity
·USIM ·ECC ·CKIK · · ·NFCSIM ·Android ·IOS
· · ·HTTPS/SSL · · ·VPN
· · · · · ·
APP
·APP · ·APP · ·SDK · ·
/
ID Token
CA PKI/WPKI
APP