电子支付系统的安全性研究及其设计

电子支付系统是电子商务体系的重要组成部分 ,主要用来解决电子商务中的各交易实体 (用户、商家、银行等 )间资金流和信息流在 Internet上的即时传递及其安全性问题。随着电子商务的快速发展 ,电子支付系统一直是国内电子商务体系中的薄弱环节 ,越来越成为制约电子商务发展的一个关键因素。着重探讨了如何构建一个安全的电子支付系统 ,以解决电子商务中实时在线的安全支付问题。首先就信息加密、数字签名、数字证书等信息安全技术的特点及其应用作了探讨。最后根据 SET协议和 SSL协议的技术特点 ,分别就基于两种协议的电子支付系统作了设计 ,阐述了系统是如何解决支付的安全性的。

Research on Security of the Electronic Payment System and Its Design

s:The electronic payment system is employed to deal with capital flow and information exchange among customers, banks etc. With the rapid development of e-commerce, the electronic payment system in China has been a weak link in the e-commerce system and has become the hinderer in e-commerce development. A method to establish an electronic payment system is discussed, aiming to assure the on-line secure payment in e-commerce. Information techniques used to guarantee secure electronic transactions are introduced. Two electronic payment systems are designed based on the SET and SSL security protocols respectively. It is demonstrated as to how these two systems solve secure problems in e-commerce.