美国作业代写：Network security for electronic payments

下面为大家整理一篇优秀的paper代写范文- Network security for electronic payments，供大家参考学习，这篇论文讨论了电子支付的网络安全。电子支付的出现，极大的便利了人们的工作与生活，但同样电子支付的网络安全问题也让人们担忧。用户在进行网络电子支付时，常会遇到盗窃用户密码的行为。攻击者利用木马病毒，对用户的计算机系统进行攻击，使其能够对用户的访问页面进行监视，进而通过技术手段将其个人信息窃取。针对此种情况，用户需要对计算机系统加强病毒的预防维护。

With the development of social economy, electronic payment plays an important role in people's daily life and work. However, in the specific application, due to the defects of their own design and external factors, there are a series of security problems, these problems do not take countermeasures in time to solve, people's e-commerce work, daily consumption behavior, bring funds to use security risks.

The appearance of electronic payment greatly facilitates people's work and life, so relying on the network and carrying out the secure electronic payment work is the focus of people's attention.

Electronic payment is the electronic commerce, a key link in daily life consumption, mainly refers to the parties to electronic transactions, such as: consumers, businesses, financial institutions, between the three, through the network of electronic payment means, money, money flow, and thus achieve a form of payment.

At present, electronic payment brings about the security hidden trouble, including technical level, non-technical level two aspects. The technical level of security risks is mainly: for the electronic payment function of the computer system, static data attacks (password guessing, spoofing of IP addresses, routing information delivery), and dynamic Data attacks (active data attacks, attackers monitoring of funds information, and passive information destruction), as shown in Figure 1. Non-technical level of security hidden trouble is mainly: Network transaction payment has more security risks, and did not timely strengthen the supervision and management; web-based electronic transactions lack a perfect legal system to protect the security of payment

At present, the network security problem under electronic payment is frequent, which brings hidden danger to people's property security, this paper analyzes the network payment security countermeasure under the current situation with the third electronic payment platform-Alipay and micro-letter payment as an example. Alipay is one of the most popular forms of electronic payment in our country, it can provide the intermediary service of collecting and paying, and the third-party guarantee service of the capital transaction. Micro-letter payment, which is based on the micro-letter open platform, issued the payment application.

Under the existing payment mode, whether it is Alipay electronic payment, micro-credit platform payment, or other debit card trading methods, users need to set a password, to ensure the security of funds, so as to strengthen user password protection, can effectively evade the payment of security issues. In the electronic payment environment, the key to the user's success with the merchant is the input of the password, so the digital signature method can be used to pay the network. China's banking institutions, the current use of RAS algorithm, digital signature protection. The user can apply to the bank, then the bank can issue a digital certificate to the user, the certificate contains the user's personal information, in the electronic payment, through the certificate, can send a signature to the bank. After the agreement, the bank can according to customer's request, carries on the network electronic payment. Alipay payment is also the case, the user relies on the network for Alipay funds transactions, you can pay the amount of money from the bank card to the third party platform, by its on behalf of the custody, after the customer received the merchant's goods and satisfaction, you can pay the PO account, issue the order of payment, the payment to the merchant. Micro-letter payment, the use of the instant to the account of the interface, the issue of payment requests, it can also be carried out under the line POS machine payment, that is, micro-pos. The local Life service merchant, through the service port, enters the corresponding payment amount, will generate the two-dimensional code, the user uses the micro-letter sweep code, then enters the payment page, then enters own password, can carry on the payment. Therefore, through the form of such digital signature, the security of the user's electronic payment is guaranteed.

Users in the network electronic payment, often encounter the theft of users Bank net silver/Alipay account/micro-letter Payment account password behavior. The attacker uses Trojan virus to attack the user's computer system so that it can access the user's page, the Personal network Silver login interface, micro-letter login interface, input bank account/Alipay accounts/micro-letter Payment account, the input of the payment password, to monitor, and then through technical means, forged the corresponding login interface, to deceive users in the page containing Trojan virus to the corresponding payment information input, and then their personal information theft. In this case, users need to strengthen the virus prevention and maintenance of computer systems. In the computer can install virus killing application software, update the system in a timely manner. In the application of chat tools, if you receive unfamiliar information or mail, Web pages, do not point to open, or with the sender check correct, and then click to deal with. Users should try not to open the personal payment login interface on the public computer, or login, to avoid the virus in the public computer, for the user Alipay/micro-letter payment account invasion attacks. For mobile phone Alipay users, in receiving strange payment information, telephone, to remain vigilant, to avoid logging into the phishing website, resulting in personal payment information leakage, the use of funds to create security risks.

In view of the problems of the use of various funds in the third party trading platform, our country has adopted some corresponding laws and regulations, but because of its specific use, relying on the user's reliance on the platform, as well as the agreement between users and the platform to conduct business processing, so in many respects, the user's personal funds and interests, once encountered a crisis of trust or other problems, the user's personal rights and interests, it is difficult to get the protection of the law. Third-party platform, for the user's large amount of funds on behalf of the supervision, there is a diversion of funds, capital interest calculation and other issues, these problems lack of relevant legal protection, will be the security of the user's property damage. For example, Alipay, its main business is the user network transaction funds collection, escrow, payment, users in the use of funds escrow function, and the site reached the following agreement: Users can pay a certain amount of money to the platform, and can entrust the platform to the funds for safekeeping. When using the payment function, the agreement: the user may request this platform, uses the funds deposited, carries on the payment to its transaction item, if is the non-legal procedure, as well as is not because of this article stipulation matter the transaction, this payment form, is irreversible. These agreements, although in line with current user, third-party payment status, but from the legal point of view is flawed. In the micro-letter payment, there is not in accordance with the relevant requirements of the law, the signing of the relevant agreements with the user, there is no validity of security verification, the existence of the transaction amount of excess license. Therefore, in order to solve the above problems, the legislative departments need to enact the corresponding legal norms in time to effectively restrain the third party payment platform. In addition, based on the current electronic payment form in China, there is also a lack of a more perfect security certification system.

In today's society, electronic payments to people's work, life has brought convenience, but at the same time also brought about the security of network payments, the need to pay the platform, banks and other institutions and users, to pay attention to the security of electronic payment, to find the improvement measures in time, to improve, to avoid security problems.

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