银行网上支付系统的设计与实现

随着现代网络技术的不断发展,网上购物、网上支付的情况也越来越多,人们也慢慢适应了这种消费和支付形式。进行网上支付是有效开展电子商务的中心环节,也是保障电子商务可以顺利得到开展的基础性条件。网上支付系统的有效设计和实现,可以使我国银行在电子领域的基本配套服务不断得到完善。为了进一步对我国的银行网上支付系统进行研究,探讨了银行网上支付系统的设计与实现。     

Resuscitating privacy-preserving mobile payment with customer in complete control

Credit/debit card payment transactions do not protect the privacy of the customer. Once the card is handed over to the merchant for payment processing, customers are “no longer in control” on how their card details and money are handled. This leads to card fraud, identity theft, and customer profiling. Therefore, for those customers who value their privacy and security of their payment transactions, this paper proposes a choice—an alternate mobile payment model called “Pre-Paid Mobile HTTPS-based Payment model”. In our proposed payment model, the customer obtains the merchant’s bank account information and then instructs his/her bank to transfer the money to the merchant’s bank account. We utilize near field communication (NFC) protocol to obtain the merchant’s bank account information into the customer’s NFC-enabled smartphone. We also use partially blind signature scheme to hide the customers’ identity from the bank. As a result, our payment model provides the customer with complete control on his/her payments and privacy protection from both the bank and the merchant. We emulated our proposed mobile payment model using Android SDK 2.1 platform and analyzed its execution time.     

数字付费动画频道发展模式初探

随着数字化演变,数字付费频道的开播,三网融合,我国电视媒体格局发生了深刻变化,频道专业化的趋势已不可避免。本文就数字付费的动画片专业频道在当前中国现实情况与现有条件制约下,如何在这次变革中寻求自己生存与发展的空间,制定切实可行的发展策略,打造第一品牌,实现运营产业化等问题进行初步探讨,以期构建出动画片专业频道若干领域发展的模式。     

基于技术升级与选择决策的供应链物流网络再设计

基于技术升级与选择决策在供应链物流网络再设计中的重要性,本文综合考虑已存工厂/物流中心的关闭或继续开设与技术升级、候选工厂/物流中心的选址与技术选择、以及流量分配的联合决策,以包含已存供应链技术升级与选择成本在内的总成本最小化为目标,建立了基于技术升级与选择决策的供应链物流网络再设计模型,随后设计了数据生成准则,在Java中调用Cplex求解,通过算例验证了模型的有效性和求解方法的可行性。最后灵敏度分析为决策制定者提供了有意义的启示：供应链中因关闭设施获得的收益越高越有利于促进产业转移,较低的技术升级成本则有利于促进产业的转型升级。     

一个自主开放的互联网根域名解析体系

域名系统（Domain Name System,DNS）的中心化根解析体系蕴含着权力滥用风险,对互联网的开放与平等形成威胁。本文提出了一个新的自主开放根解析体系,与现有DNS兼容的同时,从结构和机制两方面对权力滥用予以威慑。首先,针对域名唯一性与去中心化之间矛盾,提出了授权与解析分离机制,在保留单一根权威的条件下,实现解析服务去中心化。接着,针对中心式结构风险,提出建立国家根与根联盟,通过自治与合作实现权力制衡。然后,分析了新体系防范风险的有效性以及在当前DNS基础之上的增量,并讨论新体系所具有的自主、开放、平等、透明性质。最后,对新体系的安全性进行分析并给出了一个原型系统。     

Fictional institutions and institutional frictions: creative approaches to open GLAMs

Abstract

The shifting participation paradigm for libraries, archives and museums (LAMs) has caused some frictions within institutional contexts. In particular, this article looks at institutional reluctance to the increasing focus on openness and open data in the context of the large-scale portal Europeana as well as wider EU policy. We look at the case study of the fictional archive IICADOM, constructed by the artist and filmmaker Jasper Rigole, as a potential source of inspiration for traditional institutional contexts. We argue that lessons can be learned from the fictional example's digital engagement practice for creative approaches to open (G)LAMs (including galleries), with a focus on the level of openness in terms of licence, attitudes to risk, the strategic choice of interacting with external platforms and fostering creative reuse.     

A critical narrative approach to openness: The impact of open development on structural transformation

Openness has become an important, all‐encompassing term denoting activities facilitated by sharing, using, producing, and redistributing information and communication resources within digital information systems. We compare theoretical advancements that emphasize processes and characteristics of openness with the limitations of extant approaches that have largely focused on improvements to productivity and efficiency. Based on Foucault and Bruner's ideas, this paper contributes a new critical narrative approach to understanding openness explicitly focused on structural transformation and power. The analysis focuses on the case of open development, examining 20 key studies based primarily on developing countries. The critical narrative approach unpacked the production of power/knowledge across actors, intentions, and outcomes of openness research and practice. We find that discursive formations are reliant on technocentric and normative ideals of researchers, leading to narratives of hypothetical outcomes that exclude marginalized perspectives. We propose hermeneutic composability and contesting normative narratives of openness as analytical techniques for an integrated, mutually constitutive conception of interactions between individuals, open artefacts, and open social praxis.     

Dynamics between the trust transfer process and intention to use mobile payment services: A cross-environment perspective

Many Internet-based services have already been ported to the mobile-based environment, embracing the new services is therefore critical to deriving revenue for services providers. Based on a valence framework and trust transfer theory, we developed a trust-based customer decision-making model of the non-independent, third-party mobile payment services context. We empirically investigated whether a customer's established trust in Internet payment services is likely to influence his or her initial trust in mobile payment services. We also examined how these trust beliefs might interact with both positive and negative valence factors and affect a customer's adoption of mobile payment services. Our SEM analysis indicated that trust indeed had a substantial impact on the cross-environment relationship and, further, that trust in combination with the positive and negative valence determinants directly and indirectly influenced behavioral intention. In addition, the magnitudes of these effects on workers and students were significantly different from each other.     

Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology

Mobile payment is receiving growing attention globally, from consumers to merchants, as an alternative to using cash, check, or credit cards. The potential of this technology is enormous. This study aims to identify the main determinants of mobile payment adoption and the intention to recommend this technology. We advance the body of knowledge on this subject by proposing an innovative research model that combines the strengths of two well-known theories; the extended unified theory of acceptance and use of technology (UTAUT2) with the innovation characteristics of the diffusion of innovations (DOI), with perceived security and intention to recommend the technology constructs. The research model was empirically tested using 301 responses from an online survey conducted in a European country, Portugal. Data was analyzed using the structured equation modeling (SEM). We found compatibility, perceived technology security, performance expectations, innovativeness, and social influence to have significant direct and indirect effects over the adoption of mobile payment and the intention to recommend this technology. The relevance of customer's intention to recommend mobile payment technology in social networks and other means of communication was also confirmed, supporting the recommendation to include it in social marketing campaigns and in future technology adoption studies. For researchers this study provides a basis for further refinement of individual models of acceptance. For practitioners, understanding the key constructs is crucial to design, refine, and implement mobile payment services, applications, and products that achieve high consumer acceptance, value, and high rates of positive recommendations in social networks.     

How to make the replenishment and payment strategy under flexible two-part trade credit

In the existing inventory models concerning the two-part trade credit, a common assumption is that the retailer either pays for all the ordered items within a short permissible delay period and receives a cash discount or pays for all the ordered items within a long permissible delay period at the regular price. In this paper, this unrealistic assumption is relaxed. We assume that the retailer may pay any fraction of the purchase cost within the short permissible delay period and receives a cash discount and then the rest is paid within the long permissible delay period. A decision model is proposed for a retailer to determine the optimal ordering policy and payment plan. The closed-form optimal solution to the model is developed and analyzed. Numerical studies show that a retailer can obtain more benefits from the proposed payment plan than from the extreme payment plan in the existing literature.     

What factors facilitate teacher skill, teacher morale, and perceived student learning in technology-using classrooms?

Based on a comprehensive study of 94 classrooms from four states in different geographic regions of the country, this quantitative study investigated the impact of seven factors related to school technology (planning, leadership, curriculum alignment, professional development, technology use, teacher openness to change, and teacher non-school computer use) on five dependent measures in the areas of teacher skill (technology competency and technology integration), teacher morale, and perceived student learning (impact on student content acquisition and higher order thinking skills acquisition). Stepwise regression resulted in models to explain each of the five dependent measures. Teacher technology competency was predicted by teacher openness to change. Technology integration was predicted by teacher openness to change and the percentage of technology use with others. Teacher morale was predicted by professional development and constructivist use of technology. Technology impact on content acquisition was predicted by the strength of leadership, teacher openness to change, and negatively influenced by teacher non-school computer use. Technology impact on higher-order thinking skills was predicted by teacher openness to change, the constructivist use of technology, and negatively influenced by percentage of technology use where students work alone. Implications for the adoption and use of school technologies are discussed.     

电子商务网络支付安全研究

电子商务的爆发出巨大的生命力,强劲地推动着我国经济的发展,然而支付安全严重地困扰着我国电子商务的发展。该文探讨了电子商务网络中存在的安全问题,分析了电子商务网络支付的安全特性,分析了网络支付的重要性,并对解决电子商务安全问题提出了若干建议。     

解读王序、王粤飞、陈绍华——探寻本土资源对现代平面设计发展的影响

中国平面设计是伴随经济与商业的繁荣而逐步发展起来的,这里我们将探讨从改革开放到现在始终引领我国设计发展的设计先锋们,以及他们在我国现代平面设计发展历程中所承担的角色和任务。     

电子商务网络支付安全研究

电子商务的爆发出巨大的生命力,强劲地推动着我国经济的发展,然而支付安全严重地困扰着我国电子商务的发展。该文探讨了电子商务网络中存在的安全问题,分析了电子商务网络支付的安全特性,分析了网络支付的重要性,并对解决电子商务安全问题提出了若干建议。     

Mobile payment services adoption across time: An empirical study of the effects of behavioral beliefs, social influences, and personal traits

Mobile payment is an emerging and important application of mobile commerce. The adoption and use of mobile payment services are critical for both service providers and investors to profit from such an innovation. The present study attempts to identify the determinants of pre-adoption of mobile payment services and explore the temporal evolution of these determinants across the pre-adoption and post-adoption stages from a holistic perspective including behavioral beliefs, social influences, and personal traits. A research model that reflects the characteristics and usage contexts of mobile payment services is developed and empirically tested by using structural equation modeling on datasets consisting of 483 potential adopters and 156 current users of a mobile payment service in China. Our findings show that behavioral beliefs in combination with social influences and personal traits are all important determinants for mobile payment services adoption and use, but their impacts on behavioral intention do vary across in different stages. Theoretical and practical implications of the findings are presented.     

A Hybrid SEM-Neural Network Model for Predicting Determinants of Mobile Payment Services

ABSTRACT

This study develops a new research model to understand and predict the key determinants influencing the adoption of mobile payment services in a Middle Eastern country, Oman. The research model was tested using a hybrid structural equation modeling (SEM) and neural network (NN) modeling. The findings suggest valuable insights into the mobile payment service providers in the development of an appropriate and effective strategy to raise the number of new consumers in Oman.     

Design,implementation, and performance analysis of a secure payment protocol in a payment gateway centric model

Many mobile payment systems have emerged in the last few years which allow payments for services and goods from mobile devices. However, most of them have been based on a scenario where all the entities are directly connected to each other (formally called the full connectivity scenario) and do not consider those situations where the client cannot directly communicate with the merchant. We present the design and the implementation of an anonymous secure payment protocol based on the payment gateway centric scenario for mobile environments where the client cannot communicate directly with the merchant to process the payment request. Our proposed payment protocol uses symmetric-key operations because of their low computational requirements. We present a performance evaluation of the proposed payment protocol in a real environment. Performance results obtained with the implemented protocol demonstrate that our protocol achieves a small execution time (11.68 s) for a payment transaction using a mobile phone and a restricted scenario which causes only a slight increase in the number of the steps necessary to complete a payment transaction as a result of the lack of direct communication between the client and the merchant.     

From nonlinear to Hamiltonian via feedback

Mechanical control systems are an especially interesting and important class of nonlinear control systems. They possess a rich mathematical structure and yet, physical considerations are extremely important for the solution of a large class of control problems. We broaden the applicability of design methodologies developed for mechanical control systems by rendering nonlinear control systems, mechanical by a proper choice of feedback. In particular, we characterize which control systems can be transformed to Hamiltonian control systems by a feedback transformation.     

政府门户网站安全体系中的技术要点分析

政府门户网站是我国各级政府机关履行职能、面向社会提供服务的官方网站,是政府机关实现政务信息公开、服务企业和社会公众、互动交流的重要渠道。但是由于门户网站具有开放性、公开性以及广泛性的特点,其网站安全体系又有待完善,因此门户网站的安全管理工作得不到有效落实,这导致其网站的运作面临着许多潜在风险,进而造成损失。本文,从门户网站的相关内容入手,分析了政府门户网站面临的安全风险,总结政府门户网站安全体系中的技术要点。