本論文研製之付款系統將以電子微付款系統為基礎,擴充其交易額度,擴充其安全機制,而且加入自動切換多階安全機制(Multi-Level Security Auto Switch) ,來適時地依交易金額調整其安全機制的程度,當交易金額為超小額時,能保有電子微付款系統一樣的特色即速度快、流程簡易,且又防止電子錢幣重複使用, 當金額稍微加大時,卻也能擁有必要的安全機制,以防止駭客盜取。我們定義多階安全機制(Multi- Level) 的程度有三種,Level 1 為不使用安全機制, 適用於超小額交易額度, Level 2 為使用部分安全機制,可保障消費者的權益, Level 3 為全程使用安全機制,可保障消費者及商店的權益亦即防止商品被駭客盜取。 導入商城(Mall)的概念來化解經銷商(Broker)負責檢查錢幣電子錢幣重複使用的沉重負擔。不僅如此,公平交易原則的引用才能使得系統更加完善、更為實用,而商城管理者必須擔任公平交易仲裁的第三者。 並且從 iKP Micropayment Protocol[1] 中延用了兩種消費時的購物模式 : 經常性消費模式(Repeat Purchase Model)與非經常性消費模式(Non_Repeat Purchase Model)分別給予不同的消費流程,以提昇系統效率。經常性消費模式時,電子錢幣重複使用的確認工作由商城管理者負責,非經常性消費模式時電子錢幣重複使用的確認工作由經銷商負責。
A procedure is base on the Micropayment System. We will extend the upper range definition of the Transaction-Money, and the function of security. We will add the function of “ Multi-Level Security Auto Switch “. It can auto switch the Security Level depend on the Transaction-Money. It can have the same characters with the Micropayment System’s (High Speed and easy processing), when the Transaction- Money is small as the Micropayment. It can prevent the Double-Spending. It also have the proper Security to prevent any stealing, when the Transaction-Money is increased . We define the three level of the function “ Multi-level “. We use the concept of “ Mall-Structure “ to reduce the loading of Double- Spending checking by broker. When the principle of “ Fair-Transaction “ is included, the system will be more perfect. And the Mall-Manager will be the judge in the structure of the “ Fair-Transaction “. We also use the two purchase models ( iKP Micropayment Protocol [1]): One is “ Repeat Purchase Model “, and the other is “ Non_Repeat Purchase Model “ . We will give the different processing-flow to them to increase the efficiency of our system.