| With the development of wireless network technology and mobile communication terminal, the mobile payment are accepted and recognized by more and more people. But the mobile payment is not as booming as we expected in China. The main reason is that people worry about the security of using mobile payment and fears that the mobile payment can not provide a satisfied services and commodities for them. They are also worried about suffering from the problem of unnecessary waste and troubles which were happened by the leaking of the private information such as identity information, bank account numbers and passwords. Hence the current mobile payment system in order to ensure the security of the individuals information, they have to force the users to remember a large number of user names, passwords, bank account number, bank PIN code, etc. These systems not only failed to meet the needs of users'convenience and ease of use, but also can not authentication accurately. These systems only authenticate user id to things but not the true people, this causes the user easy to be imitated by the 3rd people, the case makes users hurt economily and mentally.This paper studies and analyzes the development condition of mobile payment at home and abroad, and pointed out the existing security issues of present mobile payment; by discussing the shortcomings of a variety of identity authentication, gives a authentication method based on fingerprint, this method is a reliable method that can authenticate the true people to its id; and resolved the problem that the user information could be imitated and stolen by the 3rd party during mobile payment system; while by comparing the advantages and disadvantages of different cryptosystem, gives a security solution of transforming encrypted data via elliptic curve cryptosystem, and promote the system's security level; finally this paper shows the feasibility of the system through analysis of the mobile payment system's security and efficiency. |
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