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Academic Journal of Computing & Information Science, 2023, 6(7); doi: 10.25236/AJCIS.2023.060725.

Design of Electronic Commerce Secure Payment System Based on TOTP Algorithm


Li Sisi

Corresponding Author:
Li Sisi

Department of Information Engineering, Guangzhou Huashang Vocational College, Guangzhou, Guangdong, 511300, China


Due to the extended service time and slow payment network speed of existing e-commerce secure payment systems, the design of an e-commerce secure payment system based on the TOTP algorithm is studied. In terms of system hardware design, the card reader is connected to the POS machine and FRID for high and low frequency signal transmission, and the power module and RFID module chip are designed. In terms of system software design, the TOTP algorithm is used to generate passwords, which are fused with timestamps and converted into dynamic payment keys. The buyer and seller complete the payment operation by comparing and verifying each other's payment keys. The system extracts buyer feature values, classifies buyer consumption behavior, authenticates identity, and matches rules for risk assessment. The test results show that the service latency of the system using the design method in this article is within 0.3s, and the payment network speed is above 30MB/s, which meets the expected goals and achieves good application of the e-commerce secure payment system.


TOTP algorithm; Electronic Commerce; Payment; System design

Cite This Paper

Li Sisi. Design of Electronic Commerce Secure Payment System Based on TOTP Algorithm. Academic Journal of Computing & Information Science (2023), Vol. 6, Issue 7: 188-192. https://doi.org/10.25236/AJCIS.2023.060725.


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