中图分类号：TN918.9 文献标识码：A
DOI：10.19358/j.issn.2096-5133.2021.01.002
引用格式： 樊凯，韩小军，汪书。 电子支付风险控制个人可信确认方案研究[J].信息技术与网络安全，2021，40（1）：10-14.

Research on personal trusted confirmation scheme for risk control of electronic payment

Abstract：Through the study of individual autonomous control mode of electronic payment business risk，this paper analyzes the electronic payment personal risk control system and the basic process of personal credible confirmation, and puts forward the password application requirements of personal credible confirmation risk control mechanism. At the same time, this paper designs a personal trusted authentication scheme based on cryptographic application technology, including system structure, key used, scheme principle, personal trusted authentication message, cryptographic security application process, cryptographic application related security technology requirements and so on. This scheme can be used as technical reference for payment agencies, electronic payment personal risk control systems and equipment manufacturers.

Key words :electronic payment；risk control；personal credible confirmation；cryptographic application