Research On Personal Information Protection Of Mobile Payment Biometrics

With the popularity of mobile intelligent terminal devices and the rapid development of mobile Internet,mobile payment as a new form of payment arises at the historic moment.Mobile payment,also known as mobile payment,is a way of service that allows users to use their mobile terminals(usually mobile phones)to pay accounts for the goods or services consumed.The payment directives are sent directly or indirectly through mobile devices,Internet or proximity sensing to the bank financial institutions to generate payment and transfer of money,thus realizing the function of mobile payment.In recent years,new identification technology biometrics has been applied to the mobile payment service field.Biometric identification technology is a new identification technology which combines biological technology with information technology.It digitize the physical or behavioral characteristics of the human body by means of computer technology and biological sensing.And then use it for personal identification.Biometric information is closely related to physical features.Biometric information can be used as a key information to associate other personal information and establish a complete personal information tracking database,which makes the damage caused by the illegal use of information is more serious than the general personal information Biometric technology is gradually applied to mobile payment customer information authentication,which is a cross domain integration of biometric technology and financial payment,but it is still in the early stage of development and exploration.At present,there are no specific laws and regulations on personal information protection for mobile payment customers,especially when the biometric technology is applied to mobile payment,it is particularly important to protect the personal information of mobile payment customers.This paper mainly introduces the properties of mobile payment biometric information,analyzes the outstanding problems involved in the collection,preservation and use of personal information of mobile payment biometric identification,and how to seek balance in the protection and utilization of biometric personal information In view of the plight of user's informed consent,the core business function and additional service function of the product or service are put forward,and the specific requirements for the unification of the individual information and the personal sensitive information are put forward according to the privacy policy,and the minimization of the preservation time and the marking Office are put forward for the preservation of the biometric information.In view of the balance between the protection and utilization of personal information in biometrics,the "three party balance" theory is put forward.