基于MD5与DES的客户备付金存管系统设计与实现

发布时间：2018-04-09 00:10

本文选题：客户备付金　切入点：存管　出处：《太原理工大学》2014年硕士论文

【摘要】：截止2014年2月,获得第三方支付牌照的达到250家,为了防止第三方支付机构非法挪用客户备付金,保障客户资金的安全,借鉴证券行业的客户交易结算资金存管模式,对第三方支付机构内的客户备付金也进行存管,同时在2013年6月央行出台的《支付机构客户备付金存管办法》对备付金存管的业务进行了详细的规定与说明。本文主要介绍了课题研究的背景,包括第三方支付机构的发展历程、发展现状、第三方支付机构行业的特点以及第三方支付机构所面临的监管等方面的问题；对银行卡支付业务目前国内的现状、银行卡收单系统的业务流程、存管业务的由来与发展做简单介绍同时探讨客户备付金存管系统开发的意义与目的。为了保证客户备付金系统的安全,对管理员登录密码的保存、报文的关键字段的校验使用MD5进行信息摘要提取。对于通信时的批量文件,其中的关键字则采用DES加密算法进行加密。对系统中采用的安全算法MD5、 DES的加密结构进行简要叙述,分析这两种算法在安全性方面存在的问题、易受到的攻击方法,并据此提出相应的改进措施,形成有针对性的防范攻击的算法,从而保证系统的安全。根据央行出台的备付金存管系统的办法的相关规定以及该系统的业务,对系统进行进一步的研究与分析,明确系统在功能与非功能方面的需求。根据系统的分析和安全算法的研究,对系统进行的详细设计,从系统的部署、逻辑视图进行总体结构的设计,对系统的功能性模块也进行详细的设计说明,重点介绍接口通信、安全等方面的设计与实现。最终形成完善的、安全的备付金存管系统。
[Abstract]:As of February 2014, 250 third party payment licenses have been obtained. In order to prevent third-party payment organizations from illegally misappropriating customer reserve funds and to ensure the security of customer funds, the securities industry's customer transaction settlement fund management model is used for reference.At the same time, in June 2013, the central bank issued the "procedures for the depository management of customer reserve of payment institutions" to carry out detailed regulations and instructions on the business of reserve deposit management.This paper mainly introduces the background of the research, including the development of third-party payment institutions, the development of the status quo, the characteristics of third-party payment organizations industry and the supervision of third-party payment institutions.This paper briefly introduces the present domestic situation of bank card payment business, the business process of bank card receipt and order system, the origin and development of deposit management business, and probes into the significance and purpose of the development of customer standby deposit management system.In order to ensure the security of the customer's reserve system, the administrator's login password is saved, and the key fields of the message are checked using MD5 to extract the information summary.For batch files, the keywords are encrypted by DES encryption algorithm.This paper briefly describes the encryption structure of the security algorithms MD5 and DES used in the system, analyzes the security problems and vulnerable attack methods of the two algorithms, and puts forward corresponding improvement measures.Form a targeted algorithm to prevent attacks, so as to ensure the security of the system.According to the relevant regulations of the system and the business of the system, this paper makes further research and analysis on the system, and clarifies the functional and non-functional requirements of the system.According to the analysis of the system and the research of the security algorithm, the detailed design of the system is carried out, the overall structure of the system is designed from the system deployment, the logic view, the functional module of the system is also described in detail, and the interface communication is emphasized.Design and implementation of safety and other aspects.Finally, a sound, safe reserve management system is formed.
【学位授予单位】：太原理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：TN918.4

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