Research On The Application Of State Secret Code Algorithm In Mobile Payment

The rapid development of mobile communication and computer network technology has promoted the gradual development of e-commerce,and mobile payment is becoming more and more important in people's daily life as a convenient way to pay.However,at the same time,the frequent occurrence of payment security incidents has aroused people's attention,how to protect the security of personal privacy data transmission on the network and prevent money loss has become an important factor restricting the further development of mobile payment industry.In order to improve the security of mobile payment and avoid the occurrence of security incidents,payment platforms tend to increase the digital encryption when sensitive information is transmitted.Cryptography is the main method to ensure the safe transmission of information,so it is of great significance to explore the application and improvement of cryptographic technology in mobile payment.In this paper,we analyze the existing payment process and study the interaction data by understanding the mobile payment industry and digital encryption technology,and then point out the potential security risks in the current payment process.After that,by further analyzing the encryption algorithm,a symmetric-key algorithm is selected and a new solution about the encryption of mobile payment which based on the SM4 algorithm is proposed.In this solution,we adopt the method of combining hardware and software,the hardware is mainly responsible for the generation,storage,and update of sensitive data,while the software is mainly responsible for the sending and receiving.This method dynamically generates the encryption key by combining the initial key with a random number,which solves the problem of key secure transmission of the symmetric-key algorithm in the network communication.After analysis,the proposed method has a robust ability to resist risk,compared to the commonly used encryption method,better able to resist some attacks,such as the man-in-the-middle attack,virus intrusion.It can effectively protect user privacy,prevent eavesdropping even tampering by intruders,so as to better protect the safety of user money and maintain the security environment of mobile payment.In order to further verify the effectiveness of the proposed method,this paper design and implement an electronic funds transfer system based on the SM4 algorithm,simulates and completes the entire mobile payment process.Trough experimental analysis,the SM4 algorithm not only has a high degree of redundancy in security,but also show an excellent performance in speed,so it can well meet the requirements of mobile payment system for security and performance.In this paper,the proposed method can effectively guarantee the communication security among the participants in the industrial chain of mobile payment,which will further promote the development of the security payment industry.