1results about How to "Enhanced non-repudiation" patented technology

The application discloses a payment transaction encryption verification system of multi-factor identity authentication, relates to the technical field of payment security authentication, and comprises a registration management, real-time data acquisition, risk decision, multi-factor authentication, token generation and transaction verification module. When the payment transaction is initiated, the system dynamically calculates an environmental risk index by analyzing network environment characteristics in real time, and selects a required authentication factor combination for verification in real time according to the index. The system uses an encryption synthesis algorithm to fuse and calculate a plurality of generated independent authentication results and transaction plaintext information, generates an encrypted payment token, and sends the token to a payment gateway to complete decryption and comparison verification. The authentication strength is intelligently and dynamically adjusted according to the environmental risk, the identity authentication evidence is deeply bound with the transaction information by using cryptography, and the security and reliability of the transaction process are improved.