Mobile Security Payment Solution Based on Encrypted SMS Verification Code
Sai Li, Xiaoyu Li · 2017
Aiming at the problem that payment verification code is easy to leak during the process of mobile payment, a two-factor authentication mobile payment system based on encrypted SMS is proposed.The system is based on the public key system, uses PKI / CA authentication method to authenticate the server and the client online, and uses encrypted transaction verification SMS to ensure that even if the verification code ciphertext leakage, the attacker can not obtain the verification code, thus eliminating the risk of theft caused by the verification code leakage.The results compared the overall performance of the encryption and non-encryption solution, and the response time of the encrypted system is 0.8s higher on average than the non-encrypted system.Which can be concluded that the encrypted SMS verification code in the transmission process, the performance remained stable, to ensure that the user's payment verification code security.