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1、http://www.paper.edu.cnResearchonsecurityofe-paymentine-commerceGuoxuDeng,ZhiqianWangBeijinguniversityofPosts&TelecommunicationsNetworkInformationCenter(100876)E-mail:dgx1985@gmail.comAbstractElectronicpaymentisacriticaltechnologytoensurethenormalrunningofelectroniccommerce.E-paymentcanworkonIn
2、ternet,mobilephoneandPSTN.TheyachievesecuritymainlythroughSSLandSET.However,thedetailedimplementationsaredifferent.Thispaperresearchesthesecureschemesofthemandseeksaproperwaytoensurethesecurityofe-paymentonPSTNnetworkonwhichthereisnotevenanoperativemethod.Keywords:PaymentPSTNSSLSETkeyencryption
3、1.INTRODUCTIONElectronicpaymentisacriticaltechnologytoensurethenormalrunningofelectroniccommerce.Electronicpaymentmeanschargingthroughe-cash,creditcard,debitcardandsoon.Differentformsofmoneyleadtodifferentpayments.Thispapermainlydiscussespayingbybankcard.Generallyspeaking,client,merchantandbank
4、arethethreekeypartsinapaymentscheme.Duringatransaction,clientpaystomerchantforproductsorservicesandmerchantcangetthepaymentfrombankwhilethebanktransfersmoneytomerchant’saccountfromclient’saccount.Theprocessofpayingwithbankcardcanbedescribedasfollows:A,Clientsendsthecreditcardinformationtomercha
5、ntinasafewaybeforeactualproducts,servicesandmoneytransmission.B,Merchantverifiestheclient’sidentification.C,Merchantsendsthemoneyamountandsignaturetobankorcreditcardon-lineprocessor.D,Bankorprocessorsendstheinformationtoclient’sissuerbankforauthorization.E,Client’sissuerbankreturnsthecreditcard
6、data,paymentconfirmationandauthorization.F,paymentfinishes.Security,validityandconveniencearegreatlyconcernedaboutinapaymentsystem.Asecurepaymentsystemshouldincludethefollowingfunctions:A,certificateallsides.B,keeptransactiondetailssecret.C,makesuretheintegrityoftransaction.D,non-denyoftransact
7、ionwhendisputeoccurs.[1]Inthispaper,wemainlydiscussthesystemsecurityfromtheaboveaspects.Nowadayse-commerceisnotonlyusedonInternet,butalsoonmobilephoneandtelephone.Methodstoprotectpaymentsecurityaredifferentindifferentpaymentscenar
