信息安全研究 ›› 2020, Vol. 6 ›› Issue (3): 259-265.

• 技术应用 • 上一篇    下一篇

基于支付标记化技术的电子支付 信息保护方案及应用

陈芳   

  1. 中国银联股份有限公司
  • 收稿日期:2020-03-02 出版日期:2020-03-10 发布日期:2020-03-02
  • 通讯作者: 陈芳
  • 作者简介:陈芳 硕士研究生,高级工程师、主要研究方向为网络与信息安全、电子支付安全. fangchen@unionpay.com

Electronic Payment Information Protection Scheme and Application Based on Payment Tokenization Technology

  • Received:2020-03-02 Online:2020-03-10 Published:2020-03-02

摘要: 个人信息保护是信息时代的重要命题.支付信息安全关系着银行、支付机构、商户和持卡人的切身利益.以往普遍采用的支付信息安全保护手段从一定程度上减少了信息泄露和交易欺诈的发生.为了应对日益严峻的网络安全形势,基于支付标记化技术的支付信息保护方案从根本上解决了支付信息泄露的问题,对持卡人、发卡机构、收单机构等支付产业各方都提供了便捷性和安全性的支付体验.

关键词: 信息泄露, 支付信息安全, 支付标记化, 个人信息保护, 标记, 银行卡号

Abstract: Personal information protection is an important proposition in the information era. The security of bank card account information is of vital interest to banks, payment institutions, merchants and cardholders. The protection methods for payment information security commonly used in the past reduce the occurrence of information leakage and transaction fraud to a certain extent. In order to cope with the increasingly severe cyberspace security situation, the payment information protection scheme based on payment tokenization technology fundamentally solves the problem of payment information leakage, and provides convenient and safe payment experience for cardholders, issuers, acquirers and other payment industry parties.

Key words: information leakage, electronic payment information security, payment tokenization, personal information protection, token, bank card number