随着Internet的普及,一种新的商务模式——电子商务越来越具有吸引力,但要保证电子商务安全可靠地运行,怎样解决交易的安全问题是其关键所在。首先分析当前几种电子支付认证技术的特点和原理并给出改进方法,比较其优劣以后给出一种基于多因素认证的网络电子支付认证模式,给电子商务平台建设者提供参考。 With the popularity of the Internet, a new business model - e-commerce is increasingly attractive, but to ensure that e-commerce to run safely and reliably, how to solve the transaction security is the key. First of all, this paper analyzes the characteristics and principles of several current electronic payment authentication technologies and gives the improved methods. After comparing their advantages and disadvantages, we give a network electronic payment authentication model based on multi-factor authentication, which provides a reference for e-commerce platform builders.