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摘要随着我国信息化建设的逐步深入，特别是电子商务、电子政务的普及，电子支付手段越发显得重要。目前智能卡在安全系统和电子商务的研究和应用成为各方研究的热点。本文目的是在公钥体系结构规范的基础上，建立一个基于智能卡的高效、高可靠性并具有自主版权的电子钱包，并使用高安全性和便携性的智能卡来作为用户的个人安全环境PSE，完成生成、存放和保护用户的个人私钥以及公钥。65987
本文对智能卡的关键理论与安全技术进行研究，对基于智能卡的电子钱包的实用性、公平性等方面进行了有益的探索，设计了基于智能卡的电子钱包的基本模型，并予以实现，并从实际应用角度出发，给出一个可以在低计算能力、低存储量的硬件智能卡上实现离线电子支付的应用设计。课题研究的主要方向：
1. 卡片的结构设计；
2. 读写卡程序设计；
3. 基于COS下实现电子钱包的模拟功能：密钥管理，充值，消费；
本文首先介绍了智能卡的软硬件知识、智能卡的内部结构、文件组织及一些关键操作；其次运用德卡D8读卡器分析和设计了基于CPU卡的电子钱包的文件系统，并对其中的密钥管理和电子钱包的充值与消费流程进行了重点的分析；最后使用MFC实现了口令密钥的验证，电子钱包的充值，查询和消费功能。
本文设计的基于CPU卡的电子钱包实现了电子钱包的基本功能，满足了用户的对与电子钱包的安全使用。
关键词：CPU卡；卡片结构；电子钱包；COS系统；
毕业设计说明书（论文）外文摘要
Title：Based on the simulation CPU card electronic purse implementation
Abstract
With the construction of the gradual deepening of the information, especially ecommerce, the popularity of e-government, e-payment methods become increasingly important. Currently smart cards in security systems and electronic commerce research and applications to become parties of research. The purpose of this architecture in the public key specification based on a smart card-based high-performance,high reliability and with independent copyright wallet, and use the high security and portability of smart cards to personal security environment as the user's PSE, Complete the generation, storage and protection of your personal private key and public key.
In this paper, the smart card key theories and security technology research, based on smart card electronic purse practicality, fairness and other aspects of a usefull exploration, was designed based on smart card electronic purse of the basic model, and realized, and from a practical Application point of view, gives a low computing power at low storage hardware for offline smart card electronic payment applications. The main research directions:
1. card design;
2. read card programming;
3. on to achieve electronic wallet COS analog functions: key management, recharge,consumption;
This paper introduces the knowledge of smart card hardware and software, smart card, the internal structure, file organization and some of the key operations; followed by the use of de D8 reader analysis and design of the CPU card based electronic purse of the file system, and one of the key Top-management and e-purse and consumption processes were focused analysis;
finally achieved using MFC password key authentication, the rechargeable electronic wallet, query, and consumer spending.
This CPU card based on the design of electronic wallet to achieve the basic functionsof electronic wallet, to meet the users on the safe use and electronic purse.
Keywords: CPU card; card structure; electronic wallet; COS system;