Research On Secure Mobile Payment Technology Based On Multi-factor Authentication

With the popularity of smart phones and mobile platforms,mobile phones rely on their strong and stable basic communication functions and rely on the prevailing mobile 4G network,the concept of e-commerce,Internet finance and mobile payment application emerges at the right moment,among which mobile payment has fully penetrated into daily life by virtue of its convenience.However,payment security has become an important factor affecting the development of mobile payment.The current method is usually to bind common mobile phone Numbers to payment accounts with the help of secure phones.The binding method is single and limited,which cannot prevent some malicious binding.In addition,due to the openness of mobile network and limitations of mobile terminals,mobile payment has some security risks in identity authentication,and mobile phone is given too high security authority in the payment process.In view of the current safety protection measures of mobile payment,payment tool authority had higher safety,draw lessons from the bank on the net the U shield,unlock password and millet hand ring design ideas,combining the current emerging qr code technology,biometric identification technology,and wearable,contracted the man-machine relationship effectively from binding,payment authentication link consideration,design is proposed based on facial recognition phone binding scheme and three kinds of security mobile payment scheme based on multi-factor authentication,from binding to identity authentication,to complete the payment of the escort for mobile payment.(1)Design and implement the mobile payment binding scheme based on facial recognition.By adding facial factor data in the process of bank card binding to mobile payment account,the drawback of current binding process relying only on mobile phone number is overcome,and the security of mobile payment binding is improved.(2)A mobile payment scheme based on dynamic qr code is designed and implemented.Time is added.Dynamic qr code is used as identity authentication token to achieve two-factor identity authentication.(3)Design and implement a mobile payment scheme based on mobile wearable devices,and conduct identity authentication in the payment process through xiaomi bracelet to improve the security of mobile payment.Based on the advantages of xiaomi bracelet's portability,the scheme is in line with interpersonal relations.(4)The design of mobile payment scheme based on palmprint recognition,completely with the help of mobile phone camera to realize the collection of the palm,don't need with the aid of other auxiliary hardware,the operator can be in any occasion and secure payment is made,fully play the advantages of mobile payment is simple,fast,wide application range,high applicability.Through testing and analysis,the proposed scheme can better solve the security authentication problem of current mobile payment,improve the security of mobile payment binding and identity authentication process,and effectively protect the capital security of users' mobile payment process.The proposed scheme can also be extended to other areas of Internet finance and security payment.