电子支付研究综述

电子支付是电子商务的一个重要组成部分，它是指允许用户通过电脑、电话、传真机等途径完成支付的一种支付手段，如何安全可靠方便地实现电子支付，是电子商务发展中迫切需要解决的问题。介绍了电子支付制度的基本概念以及电子支付的一般模型，随后对电子支付制度做了分类，并深入探讨了各类电子支付系统的主要特点和相关实例，最后，基于对安全电子支付系统发展现状和未解决问题的分析，指出了今后该领域的研究方向。

Survey of Electronic Payment System

The electronic payment is an important part of E- commerce. It is such a payment means that people can pay for the goods by cornputer, telephone or fax. How to accomplish electronic payment securely and conveniently is a pressing problem to be solved in the development of E-commerce. In this paper, introduce the basic concept and the common model of the electronic payment scheme first, then classify the electronic payment schemes and probe into main characteristics and typical examples of all kinds of secure electronic payment systems. Furthermore, point out its development direction based on the analysis of status and problems remaining unsolved.