NFC移动支付说明 [英] NFC Mobile Payment Explanation

问题描述

我知道什么是NFC是没有做过关于NFC移动支付相当的研究（即把手机贴近读者，使像谷歌钱包支付）。我现在的问题是读者和信用卡公司或者发出买家使用借记卡银行之间会发生什么。另一个问题很挣扎，是在该数据在读卡器和卡公司或银行之间交换的媒介。

I know what NFC is and have done quite studies concerning NFC Mobile Payment ( that is bringing the phone close to the reader to make payment like Google wallet). My problem now is what happens between the reader and the Credit card companies or the Banks that issued the Debit card the buyer is using. Another issue am struggling with, is the medium on which data is exchanged between the reader and Card companies or banks.

我的问题是：

1）当用户将手机给读者进行付款发生的事情读卡器和银行或信用卡系统之间。 W可以完成读者联系信用卡/银行系统进行验证？

1) When a user brings the phone to the reader to make a payment what goes on between the reader and the Banks OR Credit card systems. W Does the reader contact the Credit card/banking system for verification?

2）
上中确实读者联系信用卡公司或银行进行验证，并检查是否有足够的余额进行购买？请问读者通过互联网发送这些信息？

2) On which medium does the reader contact the Credit card companies or the banks for authentication and checks if there is enough balance to make the purchase? Does the reader send those information via internet?

3）火车票的情况下，如何读者都知道，票是有效的？它是否还联系后端系统？如果是这样的哪种媒体？通过互联网还是什么？

3) In the case of train tickets how does the reader knows that the ticket is valid? Does it also contact a back-end system? And if so on which medium? Via internet or what?

我用Google搜索了整整一天这些答案，但我得到的文章过于含糊。他们不谈论关于支付读写器和银行或信用卡公司之间发生的事情什么。

I have googled the whole day for these answers but all the articles i get are too vague. They don't talk anything about what goes on between the Payment reader and the Banks or credit card companies.

我会很高兴，如果有人可以给我一个详细的说明或指向我的教程或其他Q＆安培; A这回答了这些问题。

I will be happy if someone can give me a detail description or point me to a tutorial or another Q&A which answered these questions.

感谢您。

推荐答案

• 在付款有四个双方。银行，收单，商户和支付机构（如Visa或MasterCard）。在付款，商家接受了POS机付款。 （销售点，与接受付款读者硬件）的通信通过收购，然后通过支付组织（Visa卡...）到你的银行的基础设施。该组织的作用是路由信息和转账。有参与的每一步crytography了不少。

• During a payment there are four "parties". The bank, acquirer, merchant and the payment organisation (like Visa or MasterCard). During the payment, the merchant accepts your payment with a POS. (Point Of Sale, the hardware with the reader that accepts your payment) The communication goes through the acquirer, then through the infrastructure of the payment organisation (Visa...) to your bank. The role of the organisation is routing this information and transferring money. There's a LOT of crytography involved at every step.

  信用卡可以（但不必须）要求的认证和/或授权银行。有些卡可以容纳他们的芯片（它的安全，还有就是存取权限或修改了错误的方式，数据没有物理的方式，与线下授权更快）的内部平衡，别人会要求银行进行平衡。关于要求银行余额可以判定许多变量筑底，像被支付的大写金额。也是一样的身份验证。有时，PIN将被要求，有时不会，而且可以由两个卡（脱机PIN控制）和银行（联机PIN控制）进行验证。根据银行和支付机构之间的协议，有时，当银行无法访问（就在自己身边发生故障），该组织可以授权在其名称中的一些事务。

  The credit card can (but doesnt have to) ask the bank for authentication and/or authorization. Some cards can hold their balance inside the chip (its secure, there is no physical way to acces or modify that data in the wrong way, and offline authorisation is faster), others will ask the bank for balance. The decision about asking the bank for balance can be made basing on many variables, like the amout that is being paid. Same goes for authentication. Sometimes the PIN will be required, sometimes it wont, and it can be verified by both the card (offline PIN control) and the bank (online PIN control). Depending on the agreements between the bank and the payment organisation, sometimes, when the bank is unreachable (a failure on their side), the organisation can authorize some transactions in its name.

  最后一个问题没有单一的答案，即使是普通的，因为我提供了前两个的人。它完全依赖于实施。 ID敢打赌，你可以自己想至少有三个解决方案。

  The last question has no single answer, even as generic as the ones i provided for the first two. Its totally dependant on the implementation. Id bet You could think of at least three solutions by yourself.

  您感兴趣先前戳的问题：<一href=\"http://stackoverflow.com/a/12320799/1624636\">http://stackoverflow.com/a/12320799/1624636

  The problem that interests you was poked earlier: http://stackoverflow.com/a/12320799/1624636

  谷歌搜索有点让我找到这个： HTTP：// WWW。 firstdata.com/downloads/thought-leadership/payments101wp.pdf 你可能会发现

  A bit of googling allowed me to find this: http://www.firstdata.com/downloads/thought-leadership/payments101wp.pdf You might find it helpful

  您可能想熟悉的EMV标准。退房： http://www.emvco.com/best_practices.aspx?id=217 我要警告你寿 - 其相当大的读

  You probably want to get familiar with the EMV standard. Check out: http://www.emvco.com/best_practices.aspx?id=217 Let me warn You tho - its quite a big read!

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