Abstract: With the development of mobile Internet and Internet of things, mobile payment is more and more deeply integrated into people’s daily life. Mobile payment is an indispensable convenience service, but from the perspective of security, it has certain risks. Starting from the uniqueness of mobile payment, this paper establishes a hierarchical evaluation target system by improving AHP, and determines the weight of the factors that affect the security risk of mobile payment. In the construction of AHP algorithm judgment matrix, three-scale method is used to replace the traditional nine-scale method, which is compared with the traditional nine-scale method. The results show that the improved method overcomes the problem that experts are difficult to master the judgment scale in the traditional analytic hierarchy process. The adoption of evaluation index structure and improved AHP can provide effective security payment risk assessment for mobile payment, improve the efficiency and accuracy of security risk assessment for mobile payment, and has strong practicability.

Key words: mobile payment, AHP, security assessment