摘要
非银行支付机构的商用密码应用,是贯彻执行国务院关于金融领域密码应用的指导意见,是加强电子支付领域尤其是移动支付领域商用密码应用规模化发展的重要举措。本文围绕非银行支付机构的电子支付系统模型与基本构成,调研各主流非银行支付机构的密码应用需求,提出密码应用保障框架,研究电子支付过程中采用商用密码技术实现的安全保障措施,形成一套成熟的第三方电子支付系统密码应用方案,可引导、带动其他非银行支付机构的商用密码应用推进工作。
Domestic Cryptographic Applications in Electronic Payment System of Non-bank Payment Institutions is an important measure to implement the guidance of the State Council on the cryptographic applications in the financial field.It is an important measure to strengthen the large-scale development of electronic payment,especially in the field of mobile payment.Focusing on the model and basic composition of electronic payment system of non-bank payment institutions,this paper investigates the cryptographic application requirements of mainstream non-bank payment institutions,puts forward a cryptographic application safeguard framework,studies the security safeguard measures implemented by domestic cryptographic technology in the process of electronic payment,and forms a mature cryptographic application scheme of third-party electronic payment system,which can guide and drive other non-bank payment institutions to promote the application of domestic cryptographic.
作者
周君平
钟博
ZHOU Jun-Ping;ZHONG Bo(Chendu Westone Information Industry Inc,Beijing 100070,China)
出处
《信息安全与通信保密》
2019年第4期67-76,共10页
Information Security and Communications Privacy
关键词
安全电子支付
移动支付
电子支付系统
商用密码应用
Secure Electronic Payment
Mobile Payment
Electronic Payment System
Domestic Cryptographic Applications
