The Application and Challenges of Cryptography in Online Payment Security
With the rapid development of the digital economy,online payment has become an indispensable part of daily life.However,the accompanying security issues have become increasingly prominent,especially chal-lenges related to data protection and transaction security.Cryptography,as one of the core technologies for online payment security,plays an undeniable role.This paper outlines the basic structure of online payment systems and the security requirements they must fulfill.It analyzes the application of cryptography in data transmission encryp-tion,identity authentication,digital signatures,and the implementation of secure payment protocols.Additionally,it addresses the main security threats facing online payments,the limitations of cryptographic technology and the challenges posed by quantum computing,with the aim of providing references for addressing challenges in online payment security.