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网上支付安全问题是制约电子商务发展的主要瓶颈之一,本文在分析现有网上支付系统的认证模式不足的基础上,提出一种辅助认证模式——SMS认证,就是将网上支付和手机短信认证相结合,通过互联网和短信平台两种途径,确保银行卡卡号、用户密码等重要信息不需要同时通过网络,采用静态密码和动态验证码双重认证,使网上支付认证更安全、更可靠。
Online payment security is one of the main bottlenecks restricting the development of e-commerce. Based on the analysis of the lack of authentication modes of existing online payment systems, this paper proposes a secondary authentication mode - SMS authentication, that is, online payment and SMS authentication By means of Internet and SMS platforms, it is possible to ensure that important information such as bank card numbers and user passwords does not need to be authenticated simultaneously by both the static password and the dynamic verification code to make the online payment authentication more secure and reliable.