1、 本 科 毕 业 论 文 电子商务中 的 电子支付方法研究 Research of Electronic Payment Methods in Electronic Commerce 姓 名： 学 号： 学 院：软件学院 系：软件工程 专 业：软件工程 年 级： 校外 指导教师： 校内 指导教师： 年 月 摘 要 电子支付是电子商务中的核心 ， 也是目前制约电子商务发展的一个根本性问题 。 尤其在 电子商务发展中资金流的重要组成部分， 电子支付 的发展直接决定了电子商务的成败。 而 电子商务的应用普及必须有金融电子化作保证，即通过良好的网上支付与结算手段提供高质高效的电子化金融服务。信息技术和
2、 网络为金融电子化创造了条件，电子银行、电子钱包、电子付款以及 信用卡等已开始应用。 为保障电子商务活动的顺利开展，必须保证交易信息和支付信息等敏感数据的安全性。 结合现今国际电子商务行为的方式方法，如何利用相关电子支付技术，是实现网上购物与实时支付的关键所在。 电子支付是指以商用 电子化工具和各类电子货币为媒介，以计算机技术和通信技术为手段，通过电子数据存储和传递的形式在计算机网络系统上实现资金的流通和支付。由于运作模式的不同，各种支付系统在安全性、风险性和支付效率等方面有着不同的特点。 本 文就电子商务中的 主要 电子支付 方法 进行了 深入 探讨 ， 探讨不同电子支付工具和方式，支付工具
3、和手段，对目前存在的问题进行了研究 。 如付款卡，电子货币，智慧卡，第三方支付， 和手机支付。 对于 各 种电子支付 方法 ，本文进行 具体 应用的 举例 ， 并 分析了 这些 电子支付模型的优缺点和共同点。 最后， 本文提出了一种 新的电子支付方法 和谐卡，用来解决 现存 电子支付 方法 中存在的缺陷 。 关键词 ： 电子支付 ； 电子商务 ； 智慧卡 ； 和谐卡 Abstract Electronic payment is essential to electronic commerce transactions. Specifically, as one significant comp
4、onent of funds flow in electronic commerce, electronic payment is the decisive factor of electronic commerce. The widespread of electronic commerce depends on the electrical finance, which means providing high-quality financial service through on-line payments. The information technology and the Int
5、ernet has greatly facilitated the development of electrical finance, since E-bank, E-wallet and so on has been invades into peoples daily life. In order to run electronic commerce transactions smoothly, it should be guaranteed that the security and privacy of transaction information and sensitive da
6、ta. Currently, it is the decisive element to the rapid development of electronic commerce. Electronic payment is refers to money or scrip which is exchanged only electronically. Typically, this involves use of computer networks, the internet and digital stored value systems. Electronic Funds Transfe
7、r and direct deposit are examples of electronic money. Also, it is a collective term of financial cryptography and technologies enabling it. The report covers about main electronic payment methods in recent years. Currently, there are five most popular method for e-payment including payment card, el
8、ectronic cash, smart cards, third party payment, and mobile payment. For each payment method, the report presents corresponding existing example and provide the analysis about the advantages and disadvantages of each method. At last, Harmony Card, one new innovative payment method is raised to solve
9、 current problems and drawbacks. Key words: Electronic payment; Electronic commerce; Smart card; Harmony card. 目 录 第一章 绪论 . 1 第二章 支付卡 . 3 2.1 信用卡 . 3 2.1.1 信用卡的核心技术 . 5 2.2 本章小结 . 13 第三章 电子货币 . 14 3.1 电子货币的核心技术 . 16 3.1.1 匿名 . 16 3.1.2 重复付款 . 17 3.2 八达通卡 . 18 3.2.1 历史背景 . 19 3.2.2 核心技术 . 20 3.2.3 商业
10、战略 . 20 3.2.4 缺陷故障 . 22 3.3 本章小结 . 23 第四章 第三方支付 . 24 4.1 贝宝 . 24 4.1.1 核心技术 . 25 4.1.2 商业战略 . 27 4.1.3 反对贝宝 . 28 4.2 本章小结 . 29 第五章 手机支付 . 31 5.1 手机支付的核心技术 . 31 5.2 神经网络在手机支付中的应用 . 32 5.2.1 ANN 简介 (Artificial Neural Network). 33 5.3 本章小结 . 36 第六章 智慧卡 . 38 6.1 智慧卡的核心技术 . 40 6.1.1 安全技术 . 41 6.2 厦门大学校园卡
11、 . 42 6.2.1 发展历史 . 42 6.2.2 核心技术 . 43 6.2.3 统一识别 . 43 6.2.4 商业模型 . 43 6.3 本章总结 . 43 第七章 电子支付的创新设计 . 44 7.1 和谐卡的核心技术 . 49 7.1.1 和谐卡中各类卡的融合 . 50 7.1.2 和谐卡中各类卡的管理 . 53 7.1.3 和谐卡的应用 -智能身份证 . 55 7.2 本章小结 . 58 第八章 结论 . 60 8.1 本文工作总结 . 60 8.2 讨论与展望 . 60 致谢 . 62 引用 . 64 Contents Chapter 1 Introduction . 1 C
12、hapter 2 Payment cards. 3 2.1 Credit Card . 3 2.1.1 Technology in credit card . 5 2.2 Summary of Payment Cards . 13 Chapter 3 Electronic Cash. 14 3.1 Technology in Electronic Cash . 16 3.1.1 Anonymity of E-cash . 16 3.1.2 Double Spending. 17 3.2 Octopus Card. 18 3.2.1 History Background . 19 3.2.2 T
13、echnology breakthrough . 20 3.2.3 Business strategy. 20 3.2.4 Failure and glitches . 22 3.3 Summary of Electronic Cash . 23 Chapter 4 Third party payment . 24 4.1 PayPal. 24 4.1.1 Technology in PayPal . 25 4.1.2 Business Strategy . 27 4.1.3 No PayPal. 28 4.2 Summary of Third Party Payment . 29 Chapt
14、er 5 Mobile Payment . 31 5.1 Technology in Mobile Payment . 31 5.2 Neural Network Applied in M-payment . 32 5.2.1 Artificial Neural Network . 33 5.3 Summary of Mobile Payment . 36 Chapter 6 Smart Cards . 38 6.1 Technology in Smart Cards . 40 6.1.1 Security Issues. 41 6.2 Campus Card of Xiamen Univer
15、sity . 42 6.2.1 Development of Campus Card . 42 6.2.2 Core technology in campus card . 43 6.2.3 Unification of identification. 43 6.2.4 Business model . 43 6.3 Summary of Smart Cards . 43 Chapter 7 New design for E-payment methods . 44 7.1 Technology in Harmony Card . 49 7.1.1 Merge Multiple Cards i
16、nto Harmony Card . 50 7.1.2 Management of Multiple Cards in Harmony Card . 53 7.1.3 Specific Application of Harmony Card to ID Card . 55 7.2 Summary of Harmony Card . 58 Chapter 8 Conclusion. 60 8.1 Work done in this report . 60 8.2 Discussion and Prospects . 60 Acknowledgements . 62 References . 64
17、 Figures Figure 1 The Percentage of Payment Methods Figure 2 The History of Credit Card History Figure 3 Dual Signature Applied in Receiving Response and Sending Request Figure 4 Verified by Visa Figure 5 Octopus Card Figure 6 Contact Smart Card Figure 7 Contactless Smart Card Figure 8 Security Key
18、of PayPal Figure 9 Sales of PayPal Figure 10 Neuron Cell Connections Figure11 Mapping two-dimensional array to one-dimensional array Figure 12 Proposed design of a fraud engine Figure 13 Approved call or expected behavior Figure 14 Percentage of Various Payment Method Figure 15 Design of Harmony Car
19、d Figure 16 Harmony Card Enrollment Figure 17 Harmony Card Payment Figure 18 Snapshot of a TEMs Key Store Figure 19 NFC integration architecture using the HCI Figure 20 NFC Mode Switch (simplified) Figure 21 Authentication flow with ID-NSCard as Spanish electronic ID-card Chapter 1 Introduction 1 Ch
20、apter 1 Introduction When we look beyond e-commerce applications in web, nowadays, transferring business services onto the web has becomes a trend in various industries, particularly given the recent technological developments in the areas of Web Services and Semantic Web. In the whole picture of electronic commerce, there a
