<ul id="c8quc"></ul>

<tfoot id="c8quc"><input id="c8quc"></input></tfoot>

搜索高級搜索

當前位置：論文格式網 -> 免費論文 -> 其他論文

電子支付系統(一)

本論文在其他論文欄目，由論文格式網整理,轉載請注明來源www.donglienglish.cn,更多論文,請點論文格式范文查看電子支付系統
Electronic payment systems are non-credit-card online payment systems.電子支付系統的非信用卡在線支付系統。 The goal of their development is to create analogs of checks and cash on the Internet, ie to implement all or some of the following features:他們的發展目標是建立檢查類似物和互聯網上的現金，即實施全部或部分功能如下：
Protecting customers from merchant's fraud by keeping credit card numbers unknown to merchants.保護商家客戶從商人的欺詐行為，維持信用卡號碼不明。
Allowing people without credit cards to engage in online transactions.允許卡的人沒有信用進行網上交易。
Protecting confidentiality of customers.保護客戶機密。
In some cases providing anonymity of customers ("electronic cash").在某些情況下為客戶提供匿名的（“電子現金”）。
The problems in implementing electronic payment systems, especially anonymous electronic money, are:在實施電子支付系統，尤其是匿名的電子貨幣的問題是：
Preventing double-spending: copying the "money" and spending it several times.防止重復花費：復制“錢”，消費了好幾遍。 This is especially hard to do with anonymous money.這是特別困難的事情匿錢。
Making sure that neither the customer nor the merchant can make an unauthorized transaction.確保，無論是客戶還是商人可以使未經授權的交易。
Preserving customer's confidentiality without allowing customer's fraud.維護客戶的保密而不讓客戶的欺詐行為。
While electronic payment systems have not gained a very wide popularity, except for PayPal system used on online auctions, such as eBay, they may become more popular in the future if more businesses start using them.而電子支付系統并沒有得到拍賣市場，如eBay很廣受歡迎的線上，除了在PayPal系統中使用，它們可能成為未來更受歡迎的，如果有更多的企業開始使用他們。 Electronic payment systems may be more convenient for international online business due to differences in credit card customer protection laws in different countries.電子支付系統的國家可能更方便國際在線業務應有的保障差異信用卡客戶在不同的法律。 Below we look at examples of online payment systems.下面我們看看網上支付系統的例子。 Most of these products are no longer used, but the ideas developed by their authors are used in other products.這些產品大部分已不再使用，但它們的作者的想法開發的產品用于其他。
Virtual PIN虛擬密碼
Virtual PIN, started in 1994 by a company called First Virtual Holding, was a system for making credit card payments over the Internet without exposing the credit card number to the merchant.虛擬私人密碼，于1994年開始由一個控股公司稱為第一虛擬，是一個商人系統編號，以信用卡付款的制作在互聯網上沒有暴露的信用卡。 It required no special software for a customer to make a purchase.它需要為客戶沒有專門的軟件進行購買。 Virtual PIN relied on difficulty of intercepting and forging e-mail.虛擬密碼依靠鍛造難度攔截和電子郵件。
To enroll, a customer gives their credit card information and their e-mail address to the First Virtual (this was done by phone).要注冊，客戶給他們的信用卡信息和他們的電子郵件地址給第一虛擬（這是通過電話完成的）。 After the credit card information has been verified, the customer receives their PIN by e-mail.信用卡信息后，已核實，客戶收到的密碼通過電子郵件。
The procedure for purchasing an item using Virtual PIN is as follows:用于購買項目使用虛擬私人密碼的程序如下：
The customer gives the merchant their Virtual PIN.客戶給商家的虛擬個人識別號碼。
The merchant sends the Virtual PIN and the amount of transaction to First Virtual.商人發送虛擬密碼和交易金額為第一個虛擬。
First Virtual sends an e-mail to the customer asking to confirm the purchase.第一虛擬發送電子郵件向客戶要求確認購買。
The customer answered "Yes", "No", or "Fraud".客戶回答“是”，“反對”，或“欺詐”。
If the answer is "Yes", the merchant is informed that the charge has been accepted.如果答案是“是”，商人被告知，收費已被接受。 If "No", the charge is declined.如果“否”，收費下降。 If the answer is "Fraud", the charge is investigated.如果答案是“欺詐”的指控進行了研究。
Even though no encryption was involved, an eavesdropper could not use a virtual PIN without being able to intercept and answer the e-mail message to confirm the purchase.即使沒有涉及加密，竊聽者無法確認購買使用虛擬私人密碼，而不能攔截和答復電子郵件消息。
Unlike credit cards which carry the customer's name, Virtual PIN provided a customer's anonymity from the merchant.它不像信用卡進行客戶的姓名，密碼提供虛擬匿名的商人從一個客戶的。 The e-mail confirmation of the transaction served as a protection against merchant's fraud.電子郵件確認的欺詐交易商對擔任一個保障。
Unfortunately, while the system has been created for all kinds of online business, the main use of Virtual PIN at the time was for buying and selling pornography.不幸的是，雖然該系統已為商業創造了各種網上的時間主要用在虛擬密碼是買賣色情。 Virtual PIN tried to disassociate itself from this market.虛擬密碼試圖從這個市場本身脫鉤。 Eventually the company abandoned the Virtual PIN and became specialized in sending promotional e-mail.最終，公司放棄了虛擬私人密碼，并成為專業郵件發送促銷電子郵件。
DigiCash (or E-cash)數字現金（或電子現金）
DigiCash (also known as E-cash) is an electronic payment system developed by Dr. David Chaum, who is widely regarded as an inventor of digital cash.數字現金（也稱為電子現金）是一個電子支付系統開發的現金大衛博士Chaum，人們普遍認為誰是數字作為一個發明家。 The system was based on digital tokens called digital coins .該系統是基于數字硬幣數字令牌調用。 DigiCash operated as follows:數字現金操作如下：
A customer establishes an account with the bank or other organization that could mint and receive digital coins.一個客戶建立一個硬幣的銀行帳戶或者其他組織可以薄荷和接收數字。 The customer's account was backed by real money in some form, for instance it could be linked to the customer's checking account.客戶的帳戶資金支持某種形式的真實，例如它可能與客戶的支票帳戶。
The customer also needs to download and install a software called electronic wallet .客戶還需要下載并安裝軟件稱為電子錢包。
To obtain DigiCash, the customer uses the electronic wallet to create digital coins.要獲取數字現金，客戶使用電子錢包創建數字硬幣。 The coins are sent to the bank to sign.這套金銀紀念幣被發送到銀行簽署。 When the coins are signed, the equivalent amount of money is withdrawn from the customer's account.當硬幣簽署的同等數額的資金被撤回從客戶的帳戶。
When the customer wants to make a purchase, he/she sends signed digital coins to the merchant.當客戶想進行購買，他/她發送數字簽名的硬幣和商人。 The merchant verifies the bank's signature and deposits the coins to the bank, where they are credited to the merchant's account.商人驗證銀行的存款帳戶簽名和硬幣到銀行，在那里他們將計入商家的。
The DigiCash (or E-cash), produced by the company DigiCash BV based in Amsterdam, has never created a market.該數字現金（或電子現金），阿姆斯特丹所產生的公司的數字現金BV公司，從來沒有創造一個市場。 The company eventually declared bankruptcy.該公司最終宣布破產。 However, the algorithms used in DigiCash are considered fundamental in development of digital money.然而，在數字現金使用的算法被認為是金錢在發展中的基本數字。
CyberCash/CyberCoin CyberCash / CyberCoin
CyberCash is a system that allows customers to pay by a credit card without revealing the credit card number to the merchant. CyberCash是一個系統，讓客戶的信用支付卡不透露信用卡號碼的商人。 To achieve this, a credit card number is sent to the merchant in an encrypted form.要做到這一點，一個信用卡號碼發送到商家以加密的形式。
To enroll, a customer installs a software called CyberCash wallet on their computer.要注冊，客戶安裝了一個軟件叫CyberCash錢包在他們的電腦。 At the time of the installment the wallet generated a pair of a public and a private key.在錢包的時間分期產生了公眾對a和一個私鑰。 The wallet was protected by a passphrase, and a backup key was stored encrypted on a floppy disk.電子錢包是一個密碼保護，備份和磁盤存儲的關鍵是加密的軟盤。 A CyberCash account was linked to the customer's credit card.阿CyberCash帳戶被鏈接到客戶的信用卡。 A variation of this scheme called CyberCoin was linked to the customer's checking account.阿CyberCoin變化稱為該計劃是與客戶的支票帳戶。
A purchase was conducted the following way:甲購買下列方式進行：
When the purchase was initiated, the CyberCash wallet displayed the amount, the merchant's name, and other information.當購買發起的CyberCash錢包上顯示的金額，商家的名稱，以及其他信息。 After the customer approved the transaction, an encrypted payment order was sent to the merchant.批準后，客戶的交易，支付令是一個加密發送給商戶。
The merchant could decrypt some of the information in the order, such as the product list, the address, etc., but not the other (such as the credit card information).商人可以解密等一些對信息，訂單，如產品名單，地址，但沒有其他（如信用卡資料）。 The merchant's software would add its own payment information to the order, digitally sign it, and then send it to the CyberCash gateway.商人的軟件會增加自己的付款信息，訂單，數字簽名，然后將其發送給CyberCash網關。
The CyberCash gateway would decrypt the information.該CyberCash網關將解密的資料。 The order would be checked for duplicate requests.該命令將被重復檢查的要求。 The gateway would verify that the customer's and the merchant's order information match (ie no fraud was committed on either side).該網關將驗證客戶和商家的訂單信息匹配（即不欺詐犯任何一方）。 Then it would perform the money transfer and send the approval message to the merchant.然后，它會執行資金轉移和批準郵件發送到商家。
The main point of this scheme was to prevent merchant's fraud, and thus allow customers to do business with more merchants without fear of scam.在這個計劃的主要點是為了防止商人的欺詐，從而使客戶能夠做更多的客商詐騙業務無恐懼。 However, CyberCash and CyberCoin were not able to find the market.然而，CyberCash和CyberCoin無法找到市場。 The main reasons for the failure were the large size of customer's software and the fact that very few merchants would accept CyberCash payment.失敗的原因主要是軟件和大型客戶的事實，很少商家愿意接受CyberCash付款。 The company was eventually bought by VeriSign.該公司最終收購了VeriSign公司。
SET (Secure Electronic Transactions)SET（安全電子交易）
SET is the Secure Electronic Transaction protocol for sending money over Internet. SET是互聯網的安全電子交易協議超過寄錢。 It has been developed jointly by MasterCard, Visa, and several computer companies.它已經開發由萬事達，維薩和幾個電腦公司。 SET uses mechanisms similar to CyberCash.集使用的機制類似CyberCash。 However, being a standard protocol, it is built into a wide variety of commercial products.然而，作為一個標準協議，它是建設成為各種各樣的商業產品。 In SET the order information consists of two parts: the part which is private between the customer and the merchant (such as the items being ordered) and information which is private between the customer and the bank (such as the customer's account number).在SET命令的信息分為兩個部分：一部分是對（私人之間的客戶和商家所訂購的物品，如被）和信息是（私人之間的客戶和銀行等客戶的賬戶號碼）。 SET allows both kinds of information to be included in a single signed transaction: the part private between the customer and the merchant is encrypted using the merchant's private key, and the part private between the customer and the bank is encrypted using the bank's public key.集允許這兩種材料是包含在一個單一的簽署交易：部分商人的私人之間的客戶和加密使用商家的私鑰，部分銀行的私人之間的客戶和加密利用銀行的公共密鑰。
To prrevent changing the order information, the customer computes message digests of each part of the message separately, then takes the message digest of the two message digests, and then signs the resulting message digest.為了prrevent改變訂單信息，客戶信息計算消息摘要的各部分分開，然后把消息摘要的兩個消息摘要，然后標志所產生的消息摘要。 This mechanism, called a dual signature, allows either the merchant or the bank to read and validate the signature on its half of the purchase request without having to decrypt the other half.這個機制稱為雙簽字，允許以商業或銀行閱讀和購買的半數請求沒有其他不必解密驗證簽名其一半。 The reason why SET never became popular was pretty much the same as for CyberCash: the trouble of getting a digital wallet software and setting it up for each credit card was not worth it for a customer, because very few merchants would accept SET payments.之所以沒有成為流行的SET為每個信用卡幾乎一樣為CyberCash：麻煩獲得一個設置數字錢包軟件，它是不值得為一個客戶，因為很少有商家愿意接受的SET支付。
PayPal貝寶
PayPal is an electronic payment system which can transfer money between its accounts.貝寶是一個電子支付系統，可轉移賬戶之間的資金。 In order to use PayPal, one has to obtain a PayPal account, which is associated either with the customer's credit card or with their regular bank account.為了使用貝寶，一要取得一個PayPal帳戶，這是帳戶相關聯或者與客戶的信用卡或與普通銀行。 The validity of a credit card is checked by the usual ways.該卡有效期1信用是用通常的檢查方法。 The validity of a checking account is checked as follows: the customer gives PayPal their account number, PayPal makes two small-amount (less than $1) deposits to the account.該帳戶的有效性的檢查檢查如下：客戶的帳戶號碼給貝寶，貝寶使兩個小金額（不足1美元）的存款帳戶。 If the customer is able to tell PayPal the value of these deposits, then the customer is assumed to be a legitimate user of the account.如果客戶能夠告訴貝寶的價值，這些存款，則客戶被假定為一個合法用戶的帳戶。
PayPal provides easy interface to send money to anyone by giving the person's e-mail account. PayPal提供簡單的接口來發送電子郵件帳戶的錢給任何人給予該人的電子郵件。 In order for the person to retrieve the money, they must have a PayPal account.在匯票的人檢索，他們必須有一個PayPal帳戶。 To avoid fraud, PayPal sends an e-mail message to both the initiator and the recipient of the transaction.為了避免欺詐，貝寶發送收件人的交易電子郵件無論對發起人和。
PayPal is used to settle online auctions, such as eBay auctions. PayPal是用來解決諸如eBay拍賣，網上拍賣。 The ease of use and the fact that no credit card is required to use it makes PayPal increasingly popular.在易用性和事實，即它沒有信用卡需要使用，使貝寶越來越受歡迎。

首頁上一頁 1 2 下一頁尾頁 1/2/2

相關論文


上一篇：高校圖書館與大學生心理健康教育	下一篇：電子商務與客戶關系管理

Tags：電子支付系統

【收藏】【返回頂部】

人力資源論文	金融論文
會計論文	財務論文
法律論文	物流論文
工商管理論文	其他論文
保險學免費論文	財政學免費論文
工程管理免費論文	經濟學免費論文
市場營銷免費論文	投資學免費論文
信息管理免費論文	行政管理免費論文
財務會計論文格式	數學教育論文格式
數學與應用數學論文	物流論文格式范文
財務管理論文格式	營銷論文格式范文
人力資源論文格式	電子商務畢業論文
法律專業畢業論文	工商管理畢業論文
漢語言文學論文	計算機畢業論文
教育管理畢業論文	現代教育技術論文
小學教育畢業論文	心理學畢業論文
學前教育畢業論文	中文系文學論文

最新文章

熱門文章

計算機論文

推薦文章

<abbr id="sseei"></abbr>

<strike id="sseei"></strike>

<del id="sseei"></del>

<strike id="sseei"><rt id="sseei"></rt></strike>

<ul id="sseei"></ul>