基于贴膜盾硬件数字证书的手机银行客户端通信安全研究与应用

RESEARCH AND APPLICATION OF MOBILE BANKING CLIENT COMMUNICATION SECURITY BASED ON FILM SHIELD HARDWARE DIGITAL CERTIFICATE

对当前手机银行客户端安全与便捷的应用现状进行了研究与分析,提出一种以贴膜盾为硬件数字证书平台,通过安全中间件将手机银行客户端的待交易数据发送给贴膜盾进行电子签名保护交易安全的方法。该方法通过贴膜盾直接嵌入手机卡槽内部,不需要用户额外携带,同时利用贴膜盾PIN码校验后在盾内对每笔交易数据进行数字签名,符合电子签名法,具有安全性高、便捷易用等优点。目前该技术已在金融、电子政务、移动警务、语音加密等领域得以全面应用,大大提高了客户的信息安全及客户体验,具有较好的应用前景。

By analysis of the current status of security and convenience of mobile phone banking clients,this paper proposes a hardware digital certificate platform based on film shield,which sends the mobile banking client＇s pending transaction data to film shield by security middleware. In this method,the film shield was directly embedded into the cell phone card slot without requiring the users to carry. Meanwhile,the digital signature was used in each transaction data after PIN code checking,which was consistent with the electronic signature law and had the advantages of safety and convenience and so on. At present,this technology is fully applied in the fields of such as finance,e-government,mobile police affairs and voice encryption, which greatly improves customer information security and customer experience,and has good application prospects.