How to use trusted computing technology to build a trusted online payment system?

With the development of the Internet, more and more people are beginning to use online payments to complete daily consumption, such as e-commerce, credit card payments, online transfers, etc. These transactions are crucial to individuals and companies. . However, with the frequent occurrence of data leaks and security breaches, security issues have become one of the most troublesome issues in online payment systems. In order to solve this problem, trusted computing technology came into being.

1. Introduction to trusted computing technology

Trusted computing refers to the technology of running computer systems in a known safe state. The goal of trusted computing technology is to ensure that the host cannot read data without authorization and to ensure the security and integrity of the computer system. Furthermore, trusted computing technology can also maintain data privacy and identity authentication, improving the reliability of the entire security system.

Behind trusted computing technology, there is a key part, namely security hardware, which can ensure the security of the system. Trusted computing technology uses authentication and authorization mechanisms to ensure the security of data in computing systems, while also mastering traditional encryption technologies. This type of technology can be applied to online payment systems to ensure the stability and security of the payment system.

2. How to build a trusted online payment system?

Establishing a trusted online payment system mainly involves several key aspects:

1. E-commerce security: To ensure the security of the entire e-commerce process, including the relationship between customers and service providers communication between clients and the network. E-commerce security is a prerequisite for understanding the security and privacy of customer credit cards. In addition, e-commerce security can also improve security by identifying and preventing backdoor attacks, denial of service, etc.
2. Security hardware: The reliability of the system depends on the security of the server and embedded system, that is, trusted security hardware. This kind of hardware can improve the security of program operation, and can also provide a basis for adding new hardware later.
3. Authentication and authorization: The identity of each user in the system requires an authentication and authorization mechanism. This mechanism ensures system reliability and data access permissions. Access control is achieved through the use of access control primitives that describe security policies.
4. Pre- and post-assessment: The establishment of an online payment system must consider the risks during the operation of the system. Therefore, pre- and post-evaluation must be carried out during the operation. Through these assessments, some potential risks can be discovered and prevented, thereby ensuring the security of the system.

The above are the key aspects of establishing a trusted online payment system. Below we will provide some more practical suggestions in these aspects:

1. E-commerce security suggestions:

a. Store all sensitive information (such as financial information and personal account information) on secure servers and databases and restrict access.

b. Implement SSL/TLS (Secure Sockets Layer/Transport Security Protocol) to protect information transfer between customers and the website. This protocol ensures data integrity and confidentiality.

c. Strengthen reminders and education on weak passwords and other simple passwords to prevent password brute force cracking.

2. Secure Hardware Recommendations:

a. Server and database security is the main concern. Use protection mechanisms such as firewalls and traffic monitoring tools for protection. When possible, use trusted and readily available vendor-supported hardware to store backup and failover data.

b. Use the security chip of the isolation module to protect sensitive data that is encrypted at startup and runtime. This chip is often called a Trusted Computing Module (TPM).

c. Use a security chip to protect password and key information used for authentication, such as storing the user's private key in a smart card.

3. Authentication and Authorization Recommendations:

a. Choose strong authentication measures to protect user data, such as hardware tokens and two-factor authentication.

b. Use access control features such as Access Control Lists (ACLs) or Grid Partitions (MPs) to allow or block access to resources.

c. Set up a separation wall between different types of sensitive information, which is equivalent to a physical barrier. Different information needs to pass access control, thus making internal risk control more reliable.

4. Pre- and post-assessment recommendations:

a. Conduct regular system security vulnerability scans and patch all discovered vulnerabilities.

b. Establish a framework for security assessment and risk management for critical systems.

c. System information security training to improve the security awareness of employees and users.

Conclusion

In the Internet era, the popularity of e-commerce makes online payment inevitable. The security flaws of online payment systems will bring great risks to merchants and consumers. Therefore, it is particularly important to establish a trustworthy online payment system. The use of trusted computing technologies, including e-commerce security, secure hardware, authentication and authorization, and ex-ante and ex-post assessments, can improve the reliability of online payment systems.

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