电子支付密码器的云化技术实现及其推广应用价值  

Implementing payment cipher with cloud technology

作　　者：沈国民 丁鹏 Shen Guomin;Ding Peng(Hangzhou Hundsun Data Security Technology Co.Ltd,Hangzhou,Zhejiang 310052,China)

机构地区：[1]杭州恒生数据安全技术有限公司技术部,浙江杭州310052

出　　处：《计算机时代》2021年第9期120-124,128,共6页Computer Era

摘　　要：支付密码器产品,作为银行防范票据金融诈骗的商用密码产品,自2000年开始制订相关国家标准,在全国逐步推广,到2020年普及率达到了70%左右。但随着金融科技的日新月异高速发展,原有支付密码器产品的可用性变差,而“云支付密码器”是一个很好的替代升级产品。“云支付密码系统”是将原实物密码器中的专用算法芯片,集中存放到云端,用户只需在客户端使用电脑、手机、PAD等终端设备,用密码器软件即“云支付密码器”就可以方便地计算票据的支付密码,并进行相应的管理。Since 2000,payment cipher products,as a commercial cipher products to prevent financial fraud in bills,began to formulate relevant national standards and gradually promoted in the country.Until 2020,the products penetration rate reached about 70%.However,with the development of financial technology,the original payment cipher product is no longer suitable for actual use,and"Cloud Payment Cipher Product"is a good alternative to upgrade the product.The"Cloud Payment Cipher System"is to centrally store the special algorithm chip in the original physical cryptographer into the cloud,and the user only needs to use the terminal devices such as computer,mobile phone,PAD,etc.,and the supporting software,named"Cloud Payment Cipher System",to conveniently calculate and correspondingly manage the payment password of the bill.

关 键 词：支付密码 电子支付密码器 支付密码核验系统 云支付密码器 

分 类 号：TP393.1[自动化与计算机技术—计算机应用技术]