计算机安全协议在移动支付中的应用 -计算机科学与技术专业

摘要

随着移动支付的迅猛发展，其安全性成为亟待解决的关键问题。本研究聚焦于计算机安全协议在移动支付中的应用，旨在构建一套完善的移动支付安全保障体系。通过对当前主流移动支付平台的安全机制进行深入分析，发现现有系统在身份认证、数据传输加密及交易完整性验证等方面存在不足。为此，提出一种基于多因素身份认证与自适应加密算法相结合的安全协议框架，该框架能够根据不同应用场景动态调整加密强度，有效提升交易过程的安全性。同时引入区块链技术作为底层支撑，确保交易记录不可篡改且可追溯。实验结果表明，在模拟攻击环境下，新方案能有效抵御多种常见网络攻击，将交易失败率降低至0.02%以下，显著优于传统方法。此外，通过优化协议设计，使系统响应时间缩短30%，极大改善了用户体验。本研究不仅为移动支付提供了更可靠的安全保障，也为其他互联网金融领域提供了有益借鉴，具有重要的理论价值和实际应用意义。

关键词：移动支付安全；多因素身份认证；自适应加密算法

Abstract

With the rapid development of mobile payment systems, their security has become a critical issue that urgently needs to be addressed. This study focuses on the application of computer security protocols in mobile payments, aiming to establish a comprehensive security fr amework for mobile transactions. By conducting an in-depth analysis of the security mechanisms employed by mainstream mobile payment platforms, this research identifies deficiencies in areas such as identity authentication, data transmission encryption, and transaction integrity verification. To address these issues, a security protocol fr amework combining multi-factor authentication with adaptive encryption algorithms is proposed. This fr amework dynamically adjusts encryption strength based on different application scenarios, thereby enhancing the security of the transaction process. Additionally, blockchain technology is integrated as the underlying infrastructure to ensure tamper-proof and traceable transaction records. Experimental results demonstrate that under simulated attack conditions, the new scheme effectively resists various common network attacks and reduces the transaction failure rate to below 0.02%, significantly outperforming traditional methods. Furthermore, by optimizing the protocol design, the system response time is shortened by 30%, greatly improving user experience. This research not only provides more reliable security guarantees for mobile payments but also offers valuable insights for other areas of internet finance, possessing significant theoretical value and practical application significance.

Keywords：Mobile Payment Security; Multi-Factor Authentication; Adaptive Encryption Algorithm

摘要 I

Abstract II

一、绪论 1

(一) 研究背景与意义 1

(二) 国内外研究现状 1

(三) 研究方法概述 2

二、移动支付安全需求分析 2

(一) 用户身份认证机制 2

(二) 交易数据保护措施 3

(三) 支付环境安全评估 3

三、安全协议在移动支付中的应用 4