电子支付风险控制个人可信确认方案研究

Research on personal trusted confirmation scheme for risk control of electronic payment

通过研究电子支付业务风险的个人自主控制模式,分析了电子支付个人风险控制系统和个人可信确认基本过程,提出个人可信确认风险控制机制的密码应用需求。同时,设计了基于密码应用技术的个人可信确认方案,包括系统构成、使用的密钥、方案原理、个人可信确认报文、密码安全应用流程、密码应用相关安全技术要求等部分。该方案可供支付机构、电子支付个人风险控制领域相关系统和设备厂商作为技术参考。

Through the study of individual autonomous control mode of electronic payment business risk,this paper analyzes the electronic payment personal risk control system and the basic process of personal credible confirmation,and puts forward the password application requirements of personal credible confirmation risk control mechanism.At the same time,this paper designs a personal trusted authentication scheme based on cryptographic application technology,including system structure,key used,scheme principle,personal trusted authentication message,cryptographic security application process,cryptographic application related security technology requirements and so on.This scheme can be used as technical reference for payment agencies,electronic payment personal risk control systems and equipment manufacturers.