移动网银安全研究

摘要

This paper first analyzes the security threads of current mobile platforms, and then introducesthe solution of secure online bank on PC based on USBKey, andalso analyzes the advantages and disadvantages of the existing secure mobile online bank, at last, proposes a solution to solve the security issue of mobile online bank based on smart bankcard. This scheme is based on untrusted mobile terminals, and it reaches a high level of security, so it can meet the requirements of confidentiality, integrity, availability and non-repudiation.%　　文章首先分析了当前移动平台的安全威胁，然后介绍了PC平台下的基于USB Key的网银，并且分析了几种现有的移动网银方案的优缺点，最后提出了一种基于智能银行卡的移动安全网银的解决方案。该方案是基于移动终端不可信的，具有很高的安全性，能够满足机密性、完整性、可用性和不可否认性等安全要求。