Research Of The Online Payment System Of E-commerce

With rapid development of Internet and extensive application, the online trade becomes the hot issue, the transmission of online economic information is more ordinary, add the appearances of the online bank and online means of payment of different financial institutions, the reality that flow has become on the net of the fund, this has promoted overall development of e-commerce (E-commerce), especially the government successively issued " signing electronically law " and " paid by mails and guided " in 2005, for paying and setting up the law to ensure on the net, meanwhile, emerging like the mushrooms after rain of payment platform of many third parties, include foreign joining of big company (such as IBM) too among them, make to is it appears to be unprecedented prosperous scene to pay on the net e-commerce. But at the same time we must pay close attention to the online potential safety hazard brought of trade further, for example users pay the revealing of the materials in the online trade course, the sincere questions of the user, trade company and third party etc. How to realize more safely that it is a focus paid close attention to of the industry at present to pay on the net.This text passes the overall design of the online payment system, have discussed mainly how to realize the online trade, group's network scheme of the payment system network more safely, the payment system database is designed, pay the question of confirming designing systematically etc. on the net, discuss especially how about to set up and pay the system of confirming to pay and confirm, how to offer more convenient means of payment to consumer, explore that sets up the safer and swifter payment system. The innovation of this thesis is clicked and lain in : First, it is not the mode that a trade company transmits to use, the information of the account conveys to the network of paying and puts into the conduct proving directly, the family transmits not to engage in trade, the security that of guaranteeing user's information; Second, adopt and pay the system of confirming and pay and confirm, achieve the purpose that "I use my fund "; Three is the merger of more than financial institutions, a payment system realizes many kinds of means of payment, have facilitated consumers.