网络银行闪付安全认证系统的设计与实现

发布时间：2018-02-14 05:28

本文关键词： 用户闪付安全性　出处：《湖北工业大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着电子商务和电子政务的迅速发展,网络支付和移动支付的应用迅速扩大,商业银行的金融支付创新为人们的日常生活创造了越来越方便的空间;随着互联网在全球的普及和广泛运用,互联网金融也应运而生;微信和支付宝等闪付支付手段的出现,给各大银行带来了很大的冲击。为此,各大银行为应付各种冲击,纷纷推出各自的闪付业务,抓住这一市场争夺移动支付是中国的支付领域的一个重要组成部分[1]。然而,移动支付所面临的复杂支付环境客观上对移动支付的安全性提出了挑战。通过梳理我国目前移动支付的几种技术路线,移动支付安全系统的设计和实施难度较高,其各种漏洞、病毒和木马,使移动支付应用的安全性受到了严重的挑战。商家和用户在网络上传输的敏感信息容易被窃取、滥用和非法篡改,造成损失,必须实现信息传输的保密性和完整性,保证交易的不可否认性。本文试图通过分析当前几种安全接入方式的优缺点来反映出闪付卡安全接入系统的使用现状及发展前景。在深入了解现金安全访问系统现状的基础上,论述了构建安全身份访问系统的必要性和可行性。本文首先分析了国内闪付服务市场发展的趋势,以及无线支付与认证软件;然后,论述了当前安全接入系统的现状及研究一种新的,可靠性更高的安全接入系统的意义和必要性。详细设计了安全接入系统的功能模块、系统接口、数据结构。系统主要功能包括支付安全管理子系统、收支安全管理子系统、后台管理子系统、身份认证管理子系统等;支付安全系统主要包括支付安全处理、支付管理、退款及查询。收支安全系统主要包括计费安全管理、核算安全管理、结算安全管理。后台系统主要包括客户账户管理和业务账户管理。最后,系统采用b/s架构,以UML模型为基础来建模系统,SQLServer2008作为系统数据库,用net作为开发工具来设计系统。通过此种身份安全接入支付平台,商家和客户可以非常安全,便捷的使用闪付这种电子支付方式,它大大减少了安全接入支付处理系统所需的软硬件投资,降低了人员管理和维护成本。这加速了整个社会的速度,也提高了企业经营的效率。
[Abstract]:With the rapid development of electronic commerce and e-government, the application of network payment and mobile payment is expanding rapidly. The financial payment innovation of commercial banks has created more and more convenient space for people's daily life. With the popularity and wide use of the Internet in the world, Internet finance has also come into being. The emergence of flash payment means such as WeChat and Alipay has brought a great impact to the major banks. In order to cope with all kinds of shocks, the major banks, One after another has launched their own flash payment business, seizing this market to compete for mobile payment is an important part of the payment field in China [1]. The complex payment environment faced by mobile payment poses a challenge to the security of mobile payment objectively. By combing several technical routes of mobile payment at present in China, the design and implementation of mobile payment security system is difficult and its various vulnerabilities. The security of mobile payment applications is seriously challenged by viruses and Trojans. Sensitive information transmitted by businesses and users on the network is vulnerable to theft, abuse and illegal tampering, resulting in losses. The confidentiality and integrity of information transmission must be achieved, This paper attempts to analyze the advantages and disadvantages of several security access methods in order to reflect the current use and development prospects of flash card security access system. On the basis of deeply understanding the current situation of cash security access system, this paper tries to reflect the current situation of the security access system. The necessity and feasibility of constructing secure identity access system are discussed. Firstly, the development trend of domestic flash payment service market and wireless payment and authentication software are analyzed. This paper discusses the current situation of the security access system and the significance and necessity of studying a new and more reliable secure access system. The function module and system interface of the security access system are designed in detail. Data structure. The main functions of the system include payment security management subsystem, revenue and expenditure security management subsystem, background management subsystem, identity authentication management subsystem, etc. Refund and inquiry. Income and expenditure security system mainly includes accounting security management, accounting security management, settlement security management. Background system mainly includes customer account management and business account management. Based on UML model, SQL Server 2008 is used as system database and net is used as development tool to design the system. Through this kind of identity secure access payment platform, merchants and customers can be very secure. The convenient use of flash payment, which greatly reduces the investment in hardware and software required for secure access to payment processing systems, reduces the cost of personnel management and maintenance, and accelerates the speed of society as a whole. It also improves the efficiency of business operation.
【学位授予单位】：湖北工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：TP311.52;TP309

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