基于USIM卡防木马的手机支付及手机POS研究

移动互联网改变了人们的生活方式,但木马及黑客又影响了用户的体验,目前流行的指纹/刷脸等生物识别及短信验证码等方式易被木马盗窃。本文基于Java USIM卡本身对用户身份的运算展开研讨,提出了针对USIM卡的用户身份运算的方法及其密保体系,浅析了凿通业界多年寻求的“机-卡”通道的内在机理,实现用户身份“一次一密”的动态鉴权。本文呈现的成果可用于手机支付、无人驾驶、共享单车、物联网及公交/地铁/ETC和电子签证等垂直业务,也能免密码畅游各网站。

Research on mobile payment and mobile POS based onUSIM card anti-Trojan

Mobile Internet has changed people"s life style, but Trojans and hackers have also affected user experience. At present, popular biometrics such as fingerprint / face swiping and SMS verification code are easy to be stolen by Trojans. Based on the Java USIM card itself, the user identity is calculated and encrypted, and the "machine card" channel that the industry has been seeking for many years is chiseled through, so as to realize the dynamic authentication of user identity. The results can be used for mobile payment, driverless, bike sharing, Internet of things, public transport / subway / etc and e-visa and other vertical businesses, as well as password free free travel of websites.