有关电子商务网上支付功能的讨论

网上支付是电子商务发展的关键环节和基础条件,它大大促进电子商务的发展,并且给电子商务带来了繁荣。网上支付是以开放性的因特网为基础的在线电子支付,它使个人和企业不受时间和空间的限制,进行与网上交易同步的网上支付结算。网上支付是电子商务发展的关键环节和基础条件,没有实时的网上支付手段相配合,电子商务就只能是电子商情、电子合同,而无法实现网上成交。电子商务实际上是通过企业信息流、物流和资金流完成相互的活动,信息流应该是核心,物流是保障,资金流是实现手段。随着我国网上银行的发展,如今,消费者可以在任何地方、任何时间,通过互联网获得银行业务服务。网上支付应该有效地解决了电子商务资金流的问题,所以对于电子商务的发展起到了催化剂的作用,大大促进电子商务的发展,并且给电子商务带来了繁荣。当然,存在问题也是有目共睹,必须引起高度重视。     

浅论我国电子商务发展面临的问题与展望

首先简要介绍电子商务的概念,电子商务在国际上、在中国的发展历程,同时也简述了电子商务成功定位的案例,然后着重讲述我国电子商务发展过程中出现的五种基本模式以及现状分类,再次就我国发展电子商务所面临的主要问题——创新、人才、法制环境、网上支付、物流体系、信用体系等,进行了探讨,论述其概念、现状和各种策略,分析其利弊,给了相应的建议与对策,最后对我国电子商务发展的前景进行了六点展望。     

天威诚信：以“易用性”降低PKI应用门槛

互联网的商业化运作使电子商务网上交易和支付的核心地位日益凸显出来,信用及安全性能也成为直接影响电子商务发展的重要标准。针对这一电子商务发展的瓶颈,在由《电子商务世界》杂志主办的“2005年网上支付高峰论坛”上,首批获得信息产业部电子认证服务许可证书的北京天威诚信电子商务服务有限公司(iTruschina)作为企业代表之一,以其公司的PKI/CA(PublicKeyInfrastructure,“公开密钥体系”)技术为例,探讨了PKI数字签名技术对保障网上支付安全性上的重要意义,并指出P K I数字签名技术的发展必须走“易用性”之路,以易用带来P K I应…     

电子商务支付安全性研究

电子商务的出现对人们的生活与工作带来了巨大改变,网上支付在较大程度上代替了线下支付,成为了我国现阶段的主流消费模式.目前,我国正处于电子商务发展的黄金时期,淘宝、天猫、京东等网上购物平台的成交额节节攀升.网上支付是支撑电子商务的核心所在,因此,电子商务网上支付的安全问题是人们普遍关注的课题.基于此,本文主要就电子商务网上支付的安全性进行探讨.     

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。     

网上流行新钱包

不少喜欢上网购物的人总是对结帐时一大堆的信用资料心有余悸,据统计,将近三分之一的网络消费者是在过结帐这关打了退堂鼓的。网上支付已经成了电子商务发展的“瓶颈”问题。人们呼唤能有一种更方便、更快捷的网上支付手段。正在成熟的电子钱包也许能解除许多人的烦恼。     

浅析我国网上支付的发展动态

随着网络经济时代的到来和电子商务的悄然兴起,网上银行业务已备受各商业银行的关注。如何在网上银行中逐步实现网上支付,使电子商务中的“三流”有机结合,是实现电子商务必然要求。本文通过分析深入分析我国网上支付发展动态,总结其发展特点及其在发展过程中暴露的问题。     

推动网上支付发展网络银行

在线支付是个人、企业甚至是政府实现电子商务的重要环节.事实上,在我国,电子商务的发展仍很缓慢,网上交易网下结算已成时尚,"资金流"问题尤为突出.现就网上支付及入世后我国银行业将面临的挑战等问题谈点个人看法.     

电子商务信用保障措施研究

论文在明确我国电子商务信用内涵的基础上,分析了我国电子商务现有信用模式及存在的主要问题,如电子商务信用的先天不足、法律法规制度不健全、信用缺失的成本低、电子商务本身的安全性问题、税务问题、物流配送问题等,进而提出了相应的信用保障措施,以期促进电子商务信用体系的构建,促进我国电子商务的发展。     

电子商务信用保障措施研究

论文在明确我国电子商务信用内涵的基础上。分析了我国电子商务现有信用模式及存在的主要问题,如电子商务信用的先天不足、法律法规制度不健全、信用缺失的成本低、电子商务本身的安全性问题、税务问题、物流配送问题等,进而提出了相应的信用保障措施,以期促进电子商务信用体系的构建,促进我国电子商务的发展。     

基于Web服务的GIS系统构想

Internet的发展正在进入以服务为特征的第二代。Web服务概念的提出对Internet应用的发展产生了积极的影响,越来越多的公司和企业开始利用Web服务技术实现企业级应用和在Internet构建电子商务平台。该文结合当前Internet应用的发展趋势,分析了当前GIS应用的现状,提出了基于Web服务的GIS系统及其体系结构,并对该体系结构的特点和实现的关键技术作了介绍。     

浅析电子商务安全策略

随着互联网的全面普及,基于Internet开展的电子商务已逐渐成为人们进行商务活动的新模式,越来越多的企业和个人通过Internet进行商务活动,电子商务的发展前景十分诱人,而商业信息的安全是电子商务的首要问题。本文从实现电子商务安全性的基本框架出发,对电子商务中的各种安全技术进行了分析,以探讨一种有效、安全的实现电子商务的途径。     

基于Web的EDI网上银行信用证业务系统设计

结合基于 Web的 EDI技术和采用 SET协议的 CA认证技术 ,提出了网上银行信用证业务的系统设计方案 ,并着重研究了数据传输和支付流程及其安全策略     

关于电子支付问题的思考

我国的电子支付技术日趋成熟,电子支付工具品种不断丰富,电子支付这一原先横跨在电子商务门前的绊脚石,转眼间成了电子商务发展的推动力量。本文首先介绍电子支付的基本原理以及几种主要的电子支付系统,最后重点分析了电子支付体系目前存在的问题及相应的策略。     

关于电子支付问题的思考

我国的电子支付技术日趋成熟,电子支付工具品种不断丰富,电子支付这一原先横跨在电子商务门前的绊脚石,转眼间成了电子商务发展的推动力量.本文首先介绍电子支付的基本原理以及几种主要的电子支付系统,最后重点分析了电子支付体系目前存在的问题及相应的策略.     

中小企业如何开展电子商务

电子商务的兴起和发展为中小企业的发展带来了新的发展机遇,它有利于企业降低成本、提高效率等,但同时我国的电子商务的发展也存在一些问题。如何有效地利用电子商务,使企业取得更高的收益,成为困扰现代企业发展的一个难题。     

The IoT electric business model: Using blockchain technology for the internet of things

Nowadays, the development of traditional business models become more and more mature that people use them to guide various kinds of E-business activities. Internet of things (IoT), being an innovative revolution over the Internet, becomes a new platform for E-business. However, old business models could hardly fit for the E-business on the IoT. In this article, we 1) propose an IoT E-business model, which is specially designed for the IoT E-business; 2) redesign many elements in traditional E-business models; 3) realize the transaction of smart property and paid data on the IoT with the help of P2P trade based on the Blockchain and smart contract. We also experiment our design and make a comprehensive discuss.     

Fair Trading Protocol with Offline Anonymous Credit Card Payment

Abstract

This paper proposes a fair trading protocol. The fair trading protocol provides an overall solution for a trading process with offline anonymous credit card payments.

With the exploding growth of electronic commerce on the Internet, the issue of fairness^1,2 is becoming increasingly more important. Fair exchange protocols have already been broadly used for applications such as electronic transactions,^3,4 electronic mails,^5,6and contract signing.⁷ Fairness is one of the critical issues in online transactions and related electronic payment systems. Many electronic payment systems have been proposed for providing different levels of security to financial transactions, such as iKP,⁸SET,⁹ NetBill,¹⁰ and NetCheque.¹¹ In a normal electronic commerce transaction, there is always a payer and a payee to exchange money for goods or services. At least one financial institution, normally a bank, should be present in the payment system. The financial institution plays the role of issuer for the payer and the role of acquirer for the payee. An electronic payment system must enable an honest payer to convince the payee of a legitimate payment and prevent a dishonest payer from using other unsuitable behavior. At the same time, some additional security requirements may be addressed based on the nature of trading processes and trust assumptions of the system. Payer, payee, and the financial institution have different interests and the trust between two parties should be as little as possible. In electronic commerce, the payment happens over an open network, such as the Internet, and the issue of fairness must be carefully addressed. There is no fairness for involved parties in the existing popular payment protocols. One target of this article is to address the fairness issue in the credit card payment process. In the existing credit card protocols, the financial institution that provides the credit card service plays the role of online authority and is actively involved in a payment. To avoid the involvement of financial institutions in normal transactions and to reduce running costs, some credit card-based schemes with offline financial authority have been proposed.¹² Another target of this article is to avoid the online financial institution for credit card service in normal transactions.     

基于WPKI的移动电子商务研究

移动电子商务是移动信息服务和电子商务融合的产物,构建安全灵活的移动支付机制是完善商业模式的关键环节。从移动电子商务应用的角度,分析无线公开密钥基础设施的结构和组成。对移动电子商务的支付形式和支付过程进行阐述,对移动电子商务交易模式进行划分,提出基于WPKI的移动电子商务安全框架。     

Securing on-line credit card payments without disclosing privacy information

Two revisions of the original Secure Electronic Transaction (SET) protocol are proposed to conceal cardholders' identities in the electronic marketplace in which cardholders' trust for banks can be reduced to a minimum. Constrained by being extensions of the existing card payment networks to the Internet, most on-line credit card payment schemes in use or proposed in recent papers assume the sensitive card information could be disclosed to all the participating banks. The assumption used to work well in traditional credit card payments before. However, negative impacts such as banking scandals, closure programs due to poor management, and security problems with Internet banking are all undermining cardholders' trust in banks. The issuer is the trusted bank selected by the cardholder, but the acquirer is not. To reveal the cardholder's sensitive card information to every possible acquirer implies potential risk. Based on the need-to-know principle, the two revisions are proposed to relax the assumption mentioned above.In our solutions, the sensitive card information is well protected along the way and can be extracted only by the issuer. A cardholder needs only to select a trustworthy issuer, instead of worrying about the possible breakdowns of every involved acquirer. The cost to achieve our more secure schemes demands only minor information modifications on the legacy system.