基于Tokenization技术的移动支付安全架构模型研究

Research on Mobile Payment Security Architecture Model Based on Tokenization Technology

传统的支付方式需要支付账号在移动设备中或商户POS机中流通,无形中加大了敏感信息暴露的风险.基于Tokenization技术将支付账号等交易信息替换为唯一的Token,支付过程中均使用Token进行,可以让用户的支付账号、有效期、交易次数、交易渠道等各方面信息安全得到充分保障,有效防范信息泄露被盗的风险.文章分析了Tokenization技术生态链实现过程,设计架构Tokenization系统的核心架构模型,阐述各个核心模块实现功能.

Traditional payment methods require payment accounts to circulate in mobile devices or merchant POS machines,which virtually increases the risk of sensitive information exposure.Based on Tokenization technology,the payment account and other transaction information are replaced with unique Tokens.Tokens are used in the payment process,which can fully guarantee the user's payment account number,validity period,number of transactions,transaction channels and other aspects of information security,effectively preventing information leakage Risk of theft.The article analyzes the realization process of the Tokenization technology ecological chain,designs and constructs the core architecture model of the Tokenization system,and elaborates the realization functions of each core module.