U Shield to pay as a network among the most common payment security and safeguards basic all banks are currently using. Currently U Shield has gone through two generations before and after, and the third generation of U Shield is also under development. Now come under a simple analysis system U Shield principle, the basic principle of U Shield is safe transfer vector that we trust in the payment process. Before U Shield does not appear, we only have unconditional trust in the personal computer, complete the network transaction. However, due to the architecture of the computer operating system is too complex, resulting in loopholes, Trojan rampant, the payment process is difficult to achieve "WYSIWYG", that is displayed on the computer "Joe Smith to pay 5000 yuan" in back pay, may modify the Trojans to give him an account designated remittance 10,000 causing the user's money stolen. Therefore, the current security situation at the scene of a personal computer is no longer trusted the payment, it will deceive us. In order to solve this problem, U Shield came into being, the process of calculating the transaction is transferred to the U shield to deal with. However, the first generation of U Shield does not completely solve the current problems, because only the first generation of U Shield "silly" to accept transaction requests from the computer, and then silly "stamp" to confirm the money, but stamped still do not know the contents of U shield, also need PC assistance U shield to tell the user, so the first generation of U shield still does not solve the issue of trust, because the computer Trojan still can control the display of false information.
To solve the above problem, the second generation of U shield out, the user payment confirmation message, sent to computer U shield, U Shield and then confirmed by its own screen and the user, and then confirm the transaction by physical buttons. In such a transaction model can eliminate the Trojans on the PC to ensure the safety of transactions. Because the virus on the computer can not pass through to the U shield.
If the U Shield is lost, and now ships are designed with U shield password, unauthorized users do not know the password still can not operate the transaction. However, this password is the threshold, if somebody wanted to steal the user's money, to steal passwords, steal U shield, there is no security, just as even the best anti-theft doors, door key was lost, the thief also know that you live, useless.
Third Generation U Shield has designed a threshold designed bank card reader function, when paid in addition to foreign payment password, U Shield also need certification card.
In addition, U Shield at risk of being copied, as this and the security door key, so to physically protect their U shield.
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