中文摘要：

近距离无线通信（NFC）是一种在电子消费领域有着广泛应用的新兴通信方式，早期因兼顾安全性，需要额外设备支持，因而未能大规模商用。主机卡模拟（HCE）技术使NFC从软件层面摆脱了硬件的限制。文章重点研究并设计了一个基于HCE技术的云支付系统，并结合基于TEE的安全解决方案，详细描述了系统的关键实现技术。测试结果显示，系统完全达到了设计目标。

英文摘要：

Near Field Communication （NFC） is a new means of communication which has a wide range of applications in the field of consumer electronics. Early stage, in order to take security into account, it is no large-scale commercial use for the need of additional device support. Host-based Card Emulation （HCE） enables NFC technology to get rid of the hardware limitations in the software level. This article focuses on studying and designing a cloud payment system based on HCE technology. Combined with TEE-based security solutions, it makes a detailed description of key implementation technology in the system. Test results show that the system completely meets the design goals.