As the development of the number of Net Pay user,net Pay has grown as the quick pay method.The safety of net Pay has been thought of as the outstanding problem,which should be solved as quick as possible.Except for the message stolen,cheating also needs to be solved.Because of the characteristic,trade offline has great advantages.As is known to all,identify online is very difficult.Mobile has been thought of as the identity of customer.More and more net pay environment uses short message to validate customer.%随着网络用户的日益增加,网上支付已逐渐成为被广为接受的便捷的支付方式.但在日益激增的网上交易量背后,突显出的安全问题成为网上支付急需解决的问题.除了防窃取外,身份认证同样是网上支付急待解决的问题.线下交易,由于其现场支付的特性,在身份认证方面有着天然的优势.但对在线支付,身份认证却是一份异常艰难的工作.手机已成为识别用户身份的标识.在三网合一的背景下,其提供的网络通讯功能也为在线识别提供了认证通道.越来越多的支付场景,使用短信认证,回拨功能完成交易期间的身份认证功能.
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