本文關(guān)鍵詞：基于第四方電子商務(wù)的統(tǒng)一支付平臺(tái)及其協(xié)議的研究　出處：《華南理工大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

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【摘要】：電子支付產(chǎn)業(yè)面臨著各種問題和障礙。從在線電子支付的實(shí)踐來看，由于受到跨行支付瓶頸、多頭支付網(wǎng)關(guān)、不同的信息接口標(biāo)準(zhǔn)、交易處理流程與安全認(rèn)證流程多、逃稅、洗錢和信用危機(jī)等問題的困擾，現(xiàn)有的電子支付系統(tǒng)不能滿足協(xié)同電子商務(wù)的要求。另外，產(chǎn)業(yè)中各不同的參與主體之間如何建立合理的利益結(jié)構(gòu)，形成相互依存，相互制約，互利共贏的格局，成為產(chǎn)業(yè)發(fā)展不得不重點(diǎn)考慮的基本因素。本論文在此背景下提出建立統(tǒng)一的電子支付平臺(tái)及其協(xié)議，實(shí)現(xiàn)支付資源的整合及支付流程的規(guī)范，同時(shí)理清各參與主體之間的關(guān)系結(jié)構(gòu)，形成高效率、低成本、易監(jiān)管、同評(píng)估的共贏局面。 論文通過對(duì)第四方電子商務(wù)環(huán)境的分析來構(gòu)建統(tǒng)一支付平臺(tái)體系，并在該平臺(tái)體系之上描述統(tǒng)一支付流程，然后根據(jù)支付流程設(shè)計(jì)兼顧安全、公平和效率的支付協(xié)議。為了輔助協(xié)議的設(shè)計(jì)，文章還以安全需求和性能需求的分析為切入點(diǎn)，描述了統(tǒng)一支付協(xié)議的安全體系，提出了協(xié)議的設(shè)計(jì)目標(biāo)。此外，論文采用BAN類邏輯對(duì)統(tǒng)一支付協(xié)議中參與方認(rèn)證問題進(jìn)行了形式化分析，同時(shí)對(duì)其他關(guān)鍵性能做綜合的分析。最后，根據(jù)統(tǒng)一支付平臺(tái)目標(biāo)和協(xié)議性能提出了第四方電子商務(wù)環(huán)境中商家統(tǒng)一信用評(píng)估的實(shí)現(xiàn)機(jī)制。 文章的創(chuàng)新之處主要體現(xiàn)在以下兩個(gè)方面： （1）設(shè)計(jì)基于統(tǒng)一支付平臺(tái)和平臺(tái)支付流程的統(tǒng)一支付協(xié)議，包括注冊(cè)協(xié)議、支付主協(xié)議、退貨協(xié)議和換貨協(xié)議；為滿足協(xié)議的設(shè)計(jì)同時(shí)描繪了基于第四方電子商務(wù)的統(tǒng)一支付平臺(tái)框架結(jié)構(gòu)，，包括業(yè)務(wù)、管理、支付、接入和認(rèn)證五個(gè)子體系，并引入虛擬賬戶概念；描述了基于統(tǒng)一支付平臺(tái)的支付流程。 （2）在基于第四方電子商務(wù)統(tǒng)一支付平臺(tái)及平臺(tái)支付協(xié)議的基礎(chǔ)上提出了一個(gè)獨(dú)立的商家信用評(píng)估機(jī)制。
[Abstract]:The electronic payment industry is facing various problems and obstacles. From the practice of online electronic payment, due to the bottleneck of cross-bank payment, multi-payment gateway, different information interface standards. The existing electronic payment system can not meet the requirements of collaborative electronic commerce due to the problems of transaction processing and security authentication, tax evasion, money laundering and credit crisis. How to establish a reasonable interest structure among different participants in the industry to form a pattern of interdependence, mutual restriction, mutual benefit and win-win situation. Under this background, this paper proposes to establish a unified electronic payment platform and its protocol to realize the integration of payment resources and the standard of payment process. At the same time, it clarifies the relationship structure among the participants to form a win-win situation of high efficiency, low cost, easy supervision and evaluation. Through the analysis of the fourth party e-commerce environment, the paper constructs a unified payment platform system, and describes the unified payment process on the platform system, and then according to the payment process design to give consideration to security. Fair and efficient payment protocol. In order to support the design of the protocol, this paper also describes the unified payment protocol security system based on the analysis of security requirements and performance requirements. In addition, the thesis uses BAN logic to formalize the authentication of participants in the unified payment protocol, and makes a comprehensive analysis of other key performance. Finally. According to the goal of the unified payment platform and the performance of the protocol, the implementation mechanism of unified credit evaluation for merchants in the fourth party e-commerce environment is put forward. The innovation of this paper is mainly reflected in the following two aspects: Design the unified payment protocol based on the unified payment platform and the platform payment process, including registration agreement, payment master agreement, return agreement and exchange agreement; In order to satisfy the design of the protocol, the framework of the unified payment platform based on the fourth party electronic commerce is described, including five sub-systems of service, management, payment, access and authentication, and the concept of virtual account is introduced. The payment process based on unified payment platform is described. 2) an independent merchant credit evaluation mechanism is proposed on the basis of the fourth party electronic commerce unified payment platform and the platform payment protocol.
【學(xué)位授予單位】：華南理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：TP393.09;F713.36;F830.4

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