Dear experts, what problems have been solved by Wharton launched by Unicom's WO+ open platform?

China Unicom's WO+ open platform has launched a strategic new product "Wharton", that is, China Unicom's Wharton application uses digital short messages as a digital signature information exchange channel, and China Unicom's TSM platform manages the signature authentication business in a unified way.

Wharton (also called Wharton) is an authentication application based on NFC-SWP card developed by China Unicom. Its function is similar to the bank U shield. Users can use an NFC-SWP mobile phone card to support authentication and transaction functions of multiple banks at the same time. ?

"Wharton", as an overall solution for China Unicom to provide secure login and payment authentication for banks and financial institutions, provides users with online banking login, inquiry and transaction authentication by encrypting information with NFC-SWP card. The safety performance is consistent with the second generation U shield, and the operation process is greatly simplified.

Online payment is safer.

At present, the security problems of online payment are increasingly prominent, and mobile phone fraud, password disclosure and Trojan virus have caused great losses to users. Bank U shield can provide reliable guarantee for payment security, but there are practical problems such as large quantity and inconvenient carrying. Wodun application can enhance user experience and improve payment efficiency on the premise of ensuring payment security. It is a security product promoted by China Unicom by making full use of its unique advantages.

Wharton application has the following characteristics: it has a wide range of application channels and supports signature authentication of omni-channel cross-platform e-banking transactions. ? (such as online banking, mobile online banking, telephone banking, ATM and tablet computers, etc. ); No need to carry extra equipment, good customer experience, simple and easy to use; No need to install the client application (no need to load any client software on the mobile phone); Good compatibility, suitable for all mobile phones that meet the national general 3GPPstk standard; Strong security, equivalent to the second generation of high-end U Key (with display and confirmation keys), which solves the security defects of traditional U Key; When the conditions are ripe, the bank card function and near-field payment function can be covered.

More convenient for users to open.

Users need to handle it in the business hall. After verifying the user's identity information, the business hall reissues or keeps the original NFC-SWP card for the user, downloads and installs the Wodun application, and starts to handle the business.

At the same time, users need to apply for the certificate password and protocol number of Wodun application in China Unicom Cooperative Bank, enter the application and complete the binding, and the service is successfully opened. (Banks cooperating with China Unicom can make inquiries through 100 10 or China Unicom's website. )

Figure 2? Enter the protocol number when opening.

Figure 3? Schematic diagram of user login authentication

Figure 4? User transaction diagram

Certificates are updated faster.

Generally, Wharton's certificate will be updated before the certificate expires, and the user will receive an expiration reminder and then send an update request. If the original certificate has expired when the certificate is updated, the user needs to apply for the certificate again. (Users who apply for Wharton can apply for card replacement, business subscription and purchase in the business hall. Please refer to 100 10 for business expenses. Details of China Unicom Cooperative Bank: 100? 10。 )