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1、电子支票（Electroniccheck）ElectronicCheckisanunconditionaldigitalpaymentorderissuedbythecustomertothepayee.ItcanperformallthefunctionsoftraditionalchecksviatheInternetorwirelessaccessdevices.Inadditiontothenecessarypayeename,accountnumber,amountanddateofthecheque,thec
2、heckalsocontainsencryptedinformation.Checkthroughelectronicmailsentdirectlytotherecipient,therecipientfromelectroniccheckfromtheelectronicmailbox,andreceivedtheconfirmedinformationusingelectronicsignatureandelectronicsignature,checktothebankthroughelectronicmail,
3、creditedtoyouraccount.ElectroniccheckisanelectronicpaymenttoolcommonlyusedinInternetbanking.Usingelectroniccheckcanmakethepaymentserviceandpaymentprocessofthecheckbeelectronic.Paymentbyelectroniccheque,transactionprocessingcostislow,andthebankcanprovidestandardiz
4、edcapitalinformationformerchantswhoparticipateine-commerce,soitmaybethemostefficientmeansofpayment.Transactionsteps;(1)consumersandmerchantsreachanagreementforpurchaseandsaleandchoosetopaybyelectroniccheque.Electroniccheck(2)consumersissueelectroniccheckstomercha
5、ntsthroughthenetwork,andissuepaymentnoticestothebankatthesametime.(3)themerchantverifiestheelectronicchequeprovidedbytheconsumerthroughtheverificationcenterandverifiesthemistakeandsendstheelectronicchecktothebankforpayment.(4)thebankverifiestheelectroniccheckprov
6、idedbytheconsumerthroughtheverificationcenterwhenthemerchantpays,andverifiesthepaymenttothemerchantortransfersthefundsaftertheerroriscorrect.Thepaymentprocessofelectroniccheckisnotsingle,itiscloselyrelatedtotheelectronicchecksystem.Takingtheexampleof"Netbill"elec
7、tronicchequedevelopedbyCarnegieMellonUniversityofAmericaasanexample,thispaperintroducesitsonlinepaymentprocess.(1)customerstothemerchantrequestformalquotationform,starttheNetbilltransaction;(2)afterreceivingtherequestforquotation,merchantssetpriceandreturnquotati
8、on;(3)ifthecustomeracceptsthequote,youshouldindicatethecheckbookpurchaserequesttosendmerchantcashregister;(4)whenreceivedapurchaserequest,thecashregistertoremo
