SBIR Phase I: Secure SMS Transactions for Transit Systems and Mobile Markets

这个小企业创新研究（SBIR）第一阶段项目将确定使用安全文本消息（短消息服务，SMS）进行移动的商务的可行性。 移动的商务--通过智能手机等移动终端完成支付和消息传递--在技术上具有挑战性，因为安全性、易用性和实施成本等方面的要求相互竞争。对于大众市场的采用，交易速度起着额外的重要作用。虽然移动的设备具有巨大的计算能力，但挑战在于在方便和可用的应用中以足够的速度提供足够的安全性。应用成本、基础设施成本和支付清算系统成本等成本对于采用也很重要。基于SMS的移动的商务技术有三个方面，爱马仕商务公司。将在第一阶段研究项目中进行评估。首先，爱马仕将评估安全短信应用程序的安全性-速度-可用性权衡。第二，将从技术、部署和成本方面对系统基础设施进行评估。最后，爱马仕将评估通过交易清算系统可能实现的安全速度优势。如果成功，该项目将通过实现移动的商务产生广泛的影响。 相互竞争的移动的商务技术包括：智能卡、近场通信手机和射频ID支付卡。所有这些都面临着让客户或设备制造商在现有设备中追溯实现硬件或设计和销售新设备的挑战。公司？的安全短信解决方案需要终端用户很少的改变？仅下载到移动终端的应用程序。该方法的简单性有可能推动广泛采用。

This Small Business Innovation Research (SBIR) Phase I project will determine the feasibility of using secure text messages (short messaging service, SMS) for mobile commerce. Mobile commerce - payment and messaging done via a mobile device such as a smartphone - is technically challenging because of the competing requirements of security, ease of use, and cost to implement. For mass market adoption, transaction speed plays an additional, important role. While mobile devices have tremendous computational power, the challenge is to provide adequate security at sufficient speed in an application that is convenient and usable. Costs, such as application costs, infrastructure costs, and payment clearing system costs are also important for adoption. There are three aspects of SMS-based mobile commerce technology that Hermes Commerce, Inc. will assess in this Phase I research project. First, Hermes will assess the security-speed-usability trade-offs of a secure SMS application. Second, system infrastructure will be evaluated for technical, deployment, and cost considerations. Last, Hermes will evaluate security-speed benefits that might be realized through the transaction clearing system. If successful, this project will have a broad impact by enabling mobile commerce. Competing mobile commerce technologies include: Smartcards, Near Field Communication-enabled cell phones, and Radio Frequency ID-enabled payment cards. All of these face the challenge of getting customers or equipment manufacturers to implement hardware retroactively in existing devices or design and sell new devices. The company?s secure SMS solution requires very little change by the end user ? only an application downloaded to the mobile device. The simplicity of the approach has the potential to drive wide-spread adoption.