密码学在网络支付安全中的应用及其挑战  

The Application and Challenges of Cryptography in Online Payment Security

作　　者：许海燕 Xu Haiyan(Xinzhou Cloud Era Technology Co.,Ltd.,Xinzhou Shanxi 034000,China)

机构地区：[1]忻州云时代技术有限公司,山西忻州034000

出　　处：《山西电子技术》2024年第6期69-70,97,共3页Shanxi Electronic Technology

摘　　要：随着数字经济的快速发展,网络支付已成为日常生活中不可或缺的一部分。然而,随之而来的安全问题也日益凸显,尤其是在数据保护和交易安全方面的挑战。密码学作为网络支付安全的核心技术之一,其重要性不言而喻。通过概述网络支付系统的基本构成以及所需满足的安全需求,分析密码学在数据传输中的加密技术、身份认证与数字签名网络支付中等核心领域的应用以及安全支付协议的实现,提出网络支付面临的主要安全威胁、密码技术的局限性,以及对抗量子计算的挑战,以期为应对网络支付安全中的挑战提供参考。With the rapid development of the digital economy,online payment has become an indispensable part of daily life.However,the accompanying security issues have become increasingly prominent,especially challenges related to data protection and transaction security.Cryptography,as one of the core technologies for online payment security,plays an undeniable role.This paper outlines the basic structure of online payment systems and the security requirements they must fulfill.It analyzes the application of cryptography in data transmission encryption,identity authentication,digital signatures,and the implementation of secure payment protocols.Additionally,it addresses the main security threats facing online payments,the limitations of cryptographic technology and the challenges posed by quantum computing,with the aim of providing references for addressing challenges in online payment security.

关 键 词：网络支付安全 密码学 加密技术 身份认证 数字签名 安全支付协议 

分 类 号：TP393.08[自动化与计算机技术—计算机应用技术]