支付模型的研究与设计

Study and Design of Payment Models

随着我国电子商务的不断发展,网上支付的交易方式也越来越普及,网上交易额也越来越大。但是随之而来的安全问题也越来越突出,对现有主流的支付方式进行了分析,针对其交易的资金流向、可能存在的虚假交易等不足设计了一种新的支付模型,在保留第三方支付平台的优点的同时,提出了将银行作为主体参与到支付过程中的安全方案,对模型的可行性进行了分析,在很大程度上避免了现有支付的缺陷,使之达到了一定的安全。

With the development of electronic commerce in China,the online payment becomes more and more popular. However, the security problem is also quite prominent. Based on analysis of the present main payment mode,a new payment model is designed. While the advantages of the third-party payment platform are retained,a security program with bank as the principal part in payment is proposed in the paper. The feasibility analysis of the proposed mode（indicates） that this new type of payment model could avoid the flaws of the current payment and achieve a certain level of security.