| With the development of Internet, the computer has penetrated into all professions and trades, while bringing the rapid development of e-commerce. The e-commerce has got favorite of the majority of users by virtue of its convenience, efficiency and other advantages. However, people will produce concerns about the security of the currency circulation in the virtual environment when they are using the e-commerce, and the e-commerce payment security issue has become a stumbling block to flourish. Therefore, this paper focuses on electronic payment security issues, and it is of great significance.This paper firstly introduces the concept and the research status of electronic payments.Secondly it introduces the security theory of the electronic payment in detail, including the basic of the cryptography, PKI certification system and the security mechanisms of the electronic payment. Based on these, the new security payment solution is designed. The main works include:1. This paper analyzes the current mainstream electronic payment security schemes based authentication in detail, and points out the shortcomings of them. 2. Then it is the most import part in my article, the paper designs a new electronic payment scheme based on the intelligent terminal with encryption SD card. The encryption SD card and the intelligent terminal (mobile phone) together achieve two functions:data encryption and identity authentication. Because the system involves the card and the intelligent terminal, so the paper introduces the hardware configuration, the operating system and the possible existing security threats of them.3. The paper proposes the solution strategies to aim at solving the possible existing security threats of the card and the intelligent terminal. The new payment scheme contrasts to the traditional payment schemes, and comes to the conclusion, and the result proves the feasibility of the new scheme.4. Finally, the paper implements the payment scheme. The smart card is as the research object, and based on the general COS system, I add the security processing modules into the general COS system, making the smart card into the security smart card, and combines with the SD FLASH to become the encryption SD card.The main purpose about the research results of electronic payment is that the new research scheme can be applied into our practical work, and it can protect the electronic payment. So, based on the research content, the paper analyses and designs a complete electronic payment solution-A electronic payment base-on the intelligent terminal and the encryption SD card, and displays the implementation process of the encryption SD card. The encryption SD card can be applied to the mobile payment, and provide security for mobile payment. |
