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1引言目前,国内外网银的交易安全保护主要分3个层次:一是网银推广初期采用静态密码技术,这种简单的认证方式容易被黑客破解、窃取,国内银行已基本取消了静态密码的支付权限;二是动态口令技术,它改变了静态认证的固定密码口令,通过随机变化的一次性密码口令,提升交易的安全性;三是基于PKI体系的数字签名技术。
1 Introduction At present, the transaction security protection of online banking at home and abroad is mainly divided into three levels: First, the static password technology is adopted in the early stage of online banking promotion. This simple authentication method is easily hacked and stolen. The domestic banks have basically canceled the payment of static passwords Permissions; Second, dynamic password technology, which changed the static password authentication static password, password through a one-time random changes to enhance the security of transactions; Third, based on the PKI system of digital signature technology.