中圖分類號： TN918.9文獻標識碼： A
DOI： 10.19358/j.issn.2096-5133.2021.01.002
引用格式： 樊凱，韓小軍，汪書。 電子支付風險控制個人可信確認方案研究[J].信息技術(shù)與網(wǎng)絡(luò)安全，2021，40（1）：10-14.

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

Abstract： 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.

Key words : electronic payment；risk control；personal credible confirmation；cryptographic application