基于风险控制的智能支付系统算法设计  

The design of intelligent payment system based on risk control

作　　者：王婧媛 WANG Jingyuan(Shaanxi college of communication technology,Xi’an 710018,China)

机构地区：[1]陕西交通职业技术学院,西安710018

出　　处：《自动化与仪器仪表》2023年第3期234-239,共6页Automation & Instrumentation

基　　金：省厅级项目《数字经济背景下我国金融基础设施建设中的法律完善研究》(省教育厅编号:22JK0027)(省社科联编号:2022HZ1111)。

摘　　要：针对传统的智能支付系统存在支付安全性低、风险控制效果差的问题,提出基于风险控制智能支付系统的椭圆曲线密码算法MPECC。首先,采用MVC和JSP编程语言开发设计一个具备交易预处理、风险控制的智能支付系统;然后在加密算法ECC算法的基础上,对点乘算法进行改进,从而得到一个适用于智能支付系统的椭圆曲线密码算法MPECC;最后利用此算法对系统支付进行加密和风险控制。实验结果表明,相较于改进前的二进制和NAF点乘的ECC算法,本算法的最高加密时间仅为2 800 ms,比另外两种算法分别低了3 200 ms和1 700 ms。说明改进后的MPECC算法进行加密计算的损耗更低,提高了智能支付系统的安全性和支付效率。且将此算法应用到智能支付系统中可实现支付系统的风险有效控制。由此说明,本算法具备安全性和可用性,可在智能支付系统中进行大力推广和应用。In view of the problems of low payment security and poor risk control effect of the traditional intelligent payment system, the elliptic curve password algorithm MPECC based on the risk control intelligent payment system is proposed. First, MVC and JSP programming language are used to develop an intelligent payment system with transaction preprocessing and risk control;then improve the point multiplication algorithm with ECC algorithm to obtain an elliptic curve cryptographic algorithm MPECC for intelligent payment system;Finally, this algorithm is used to encrypt and risk control the system payment. The experimental results show that the highest encryption time is only 2 800 ms compared to the modified binary and NAF point multiplication ECC algorithms, which is 3 200 ms and 1 700 ms lower than the other two algorithms. It shows that the improved MPECC algorithm has a lower loss of encryption calculation, which improves the security and payment efficiency of the intelligent payment system. And applying this algorithm to the intelligent payment system can realize the effective risk control of the payment system. This shows that this algorithm has the security and availability, and can be vigorously promoted and applied in the intelligent payment system.

关 键 词：风险控制 智能支付系统 椭圆曲线密码算法 点乘算法 MPECC 

分 类 号：TP392[自动化与计算机技术—计算机应用技术]