多维度构建移动支付安全体系

Construction of Mobile Payment Security Architecture by Multi Dimension

近年来,移动支付由于其便捷性深受广大消费者的青睐,但伴随着越来越多的各类支付安全事件发生,如何更安全地使用移动支付业务成为了亟待解决的问题.传统文献对于支付安全体系的构建,着眼于单一化的指标体系评估或提供简单的解决方案,在技术上相对滞后,管理上比较片面,法律上较为欠缺.从多维度构建整体安全框架,综合考虑实际问题,理清业务流程是解决问题的关键.因此提出了针对安全模型和支付协议的改进方案,同时采用科学的管理评估指标并辅以法律法规的安全保障,来构建一个较为全面合理可行的安全体系,以促进移动支付行业健康良好发展.

In recent years,mobile payment has been favored by many consumers due to its convenience.However,with more and more kinds of payment security incidents happening,how to use mobile payment business more safely has become an urgent problem. Traditional literatures pay less attention to the construction of payment security system,they always focus on the single index system evaluation or providing simple solutions,which is relatively backward in technology,and is rather one-sided in management and lacks in law. It is the key to solve the problem by constructing the overall security framework from multi dimension and considering the actual problems. The paper puts forward to the security model and payment protocol improved security,and adopt scientific management evaluation index and supplemented by laws and regulations. It can not only build a comprehensive reasonable security system,but also promote the healthy development of mobile payment industry.