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1、http://www.paper.edu.cnResearchonsecurityofe-paymentine-commerceGuoxuDeng,ZhiqianWangBeijinguniversityofPosts&TelecommunicationsNetworkInformationCenter(100876)E-mail:dgx1985@gmail.comAbstractElectronicpaymentisacriticaltechnologytoensurethenormalrunningof
2、electroniccommerce.E-paymentcanworkonInternet,mobilephoneandPSTN.TheyachievesecuritymainlythroughSSLandSET.However,thedetailedimplementationsaredifferent.Thispaperresearchesthesecureschemesofthemandseeksaproperwaytoensurethesecurityofe-paymentonPSTNnetwork
3、onwhichthereisnotevenanoperativemethod.Keywords:PaymentPSTNSSLSETkeyencryption1.INTRODUCTIONElectronicpaymentisacriticaltechnologytoensurethenormalrunningofelectroniccommerce.Electronicpaymentmeanschargingthroughe-cash,creditcard,debitcardandsoon.Different
4、formsofmoneyleadtodifferentpayments.Thispapermainlydiscussespayingbybankcard.Generallyspeaking,client,merchantandbankarethethreekeypartsinapaymentscheme.Duringatransaction,clientpaystomerchantforproductsorservicesandmerchantcangetthepaymentfrombankwhilethe
5、banktransfersmoneytomerchant’saccountfromclient’saccount.Theprocessofpayingwithbankcardcanbedescribedasfollows:A,Clientsendsthecreditcardinformationtomerchantinasafewaybeforeactualproducts,servicesandmoneytransmission.B,Merchantverifiestheclient’sidentific
6、ation.C,Merchantsendsthemoneyamountandsignaturetobankorcreditcardon-lineprocessor.D,Bankorprocessorsendstheinformationtoclient’sissuerbankforauthorization.E,Client’sissuerbankreturnsthecreditcarddata,paymentconfirmationandauthorization.F,paymentfinishes.Se
7、curity,validityandconveniencearegreatlyconcernedaboutinapaymentsystem.Asecurepaymentsystemshouldincludethefollowingfunctions:A,certificateallsides.B,keeptransactiondetailssecret.C,makesuretheintegrityoftransaction.D,non-denyoftransactionwhendisputeoccurs.[
8、1]Inthispaper,wemainlydiscussthesystemsecurityfromtheaboveaspects.Nowadayse-commerceisnotonlyusedonInternet,butalsoonmobilephoneandtelephone.Methodstoprotectpaymentsecurityaredifferentindifferentpaymentscenar
