最近几年电子商务和电子支付异军突起、高速发展,电子支付行业迎来了业务火爆、全民关注的黄金发展期。然而,在电子支付蓬勃发展的同时,支付的安全问题日益突出,包括电信诈骗、网络钓鱼、木马劫持、订单替换等等网络犯罪手段层出不穷,给消费者带来了巨大的安全威胁或者损失。近期媒体不断曝光的某些电子商务系统或者机构泄露网民个人敏感信息的案例也凸显出解决安全问题的迫切性。 In recent years, with the rapid development of e-commerce and electronic payment, the electronic payment industry ushered in a golden period of development with a hot business and universal concern. However, with the rapid development of electronic payment, the payment of security has become increasingly prominent. Internet criminals such as telecommunications fraud, phishing, trojans hijacking, order replacement and so on have emerged in an endless stream, posing a huge security threat or loss to consumers. Recently, the constant exposure of some e-commerce systems or institutions to disclose sensitive personal information of Internet users also highlights the urgency of solving security problems.