| With the issue of Chinese 3G licences, and also the constant expansion and optimization of the operators'3G networks , China real goes into the 3G time.3G technology provides the necessary technical terms to push forward the Mobile Payment. Under this background, the user community of the Mobile Payment has been increasing rapidly every year, various new businesses and applications of Mobile Payment emerging. The people enjoy the convenience of high technology, at the same time, pay more attation to the security problem. Purpose of Establishing the security barrier for security system, is to ensure that users can pay at anywhere and anytime ,also that users'information would not be revealed to others, reduce the risk of usage. Currently most security measures for mobile payment business are relatively simple, mainly users provide static pin code to login and complete transactions,Oberviously, it's not safe enough . it's easy to been guessed and attack , and was unable to meet the security demand for the mobile payment business .One Time Password technology is an advantage of safety solution over the statical code, the idea of is that different secret password every time,the user will get different password while login.Therefore even hacker or virus steal the user's password, he can't login system . One TimePassword technology has more unique advantages than other security solutions , it is more safe than the statical code, lower costs than usb key solutions. With the growing network security threateners, how to apply it on payment security and solve some safety problem bring us an urgent task.This paper analyses the business conditions for the mobile payment , summarizes the domestic problems and bottlenecks for mobile payment business, and security system for the better.To make the articles easy to understand ,concept of information security and mobile payment beeing introduced. In the main part of article ,mobile payment processes and security measures was analysed . More important is that paper feature the advantage of One Time Password, the business process of the mobile payment business. At last some improvement advice was Proposed to the misuse of One Time Password. |
