Abstract
With the development of the internet and mobile payment technology, the mobile payment transaction volume in China is rising year by year. Likewise, an increasing number of people are using mobile payments for their convenience and stability. In recent years, however, security incidents involving these mobile payments have also occurred more frequently. Some lawbreakers have been known to add illegal information to QR codes so that the mobile phones of unwitting customers are infected with viruses when they scan the codes to make payments. These viruses result in losses of personal property. In view of this, we propose an optimized secure payment solution for QR code scanning based on Operating-payment dual devices. This sets a separation of the payment process by utilizing both an operating device and a payment device, so as to minimize losses when customers scan malware-infected QR codes. Through theoretical analysis, our proposed solution can effectively improve the security of QR code payments, and meet the requirements for secure payment in daily life.
Highlights
As science and technology have continued to develop rapidly, mobile payments have made large inroads across various industries in China
In order to address this pressing issue, we propose an optimized secure payment solution for QR code scanning based on Operating-payment dual devices
Because of the high security performance and confidentiality of the SSL protocol, SSL is used as the method of connection between the operating device and the payment device for the solution discussed in this paper
Summary
As science and technology have continued to develop rapidly, mobile payments have made large inroads across various industries in China. The development of third-party mobile payments in China is on the rise. China needs to promote digital RMB, which will be intrinsically linked to the basic payment method of scanning a QR code. In order to address this pressing issue, we propose an optimized secure payment solution for QR code scanning based on Operating-payment dual devices. Divide the payment process into two parts: Operating-payment and payment-code scanning. Connect the operating device and the payment device through SSL This can establish a reliable channel for exchanging information and ensure that the personal information held within the device will not be leaked
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