Open Access

ARTICLE

Security of Chip Bank Card in Remote Payment Based on Risk Feature

Zheng Fang^1,∗, Junyun Cai¹, Lifang Tian²

1 School of Economics and Management, Nanjing University of Science and Technology, Nanjing City, Jiangsu Province, 210094, China
2 School of Information Engineering, Huanghuai University, Zhumadian, Henan 463000, China

* Corresponding Author: Email:

Computer Systems Science and Engineering 2020, 35(4), 299-305. https://doi.org/10.32604/csse.2020.35.299

Abstract

Payment is a necessary thing in people’s daily life, and the development of the Internet makes it possible that people can shop at home. As for chip bank card, it is an important payment method that has been developed in recent years and plays a key role in remote payment. In this study, firstly, the risk features of chip bank cards were analyzed from the general remote payment scheme. Then, based on the security technology theory, a chip bank card remote payment model using elliptic curve hybrid encryption algorithm and identity authentication technology was constructed. In terms of security testing, the National Institute of Standards and Technology (NIST) randomness test was used to illustrate the high randomness of the key, and cryptographic security formal verification method based on Hoare logic was used to illustrate the convergence of the key to the defect, which verified the high security of the chip bank card in the remote payment process.

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Citations