基於信用卡服務之多銀行付費系統

A Multi-bank Payment System based on Credit Card Service

林威廷(Wei-Ting Lin)

指導教授 ： 楊伏夷

朝陽科技大學/資訊學院/資訊工程系/碩士(2014年)

摘要

隨著網際網路的快速發展，使得電子商務逐漸取代傳統的交易方式。將智慧型裝置與錢包結合，人們出外購物時，不用攜帶大量金錢在身上，透過智慧型裝置便可付款，非常便利。然而，如何在享有行動支付的便利性外，也能達到安全之需求，進而提高消費者使用意願，儼然是目前非常重要的議題。
目前最常見的電子付款方式為電子現金，但電子現金在使用上有金額的限制，因此較適用於小額付費。線上信用卡可讓消費者先消費後支出，消費者不必擔心帳戶內的金額不足，因此在使用上更具有彈性。
基於信用卡的普及性與便利性，在本論文中，提出了一個基於信用卡服務的多銀行行動付費系統，此系統使用了代理簽章技術，讓銀行授權聯卡中心，由聯卡中心負責產生憑證，消費者使用憑證向銀行申請信用額度，並將所有銀行的信用額度儲存在智慧型裝置中。消費者出外購物時，使用智慧型裝置便可進行付款，而不需攜帶多張卡片在身上，讓消費者購物時，能更加的便利。本系統使用了代理簽章技術，以防止發生消費者超額消費的問題，並且達到安全特性。

關鍵字

代理簽章 ； 信用卡 ； 電子商務

並列摘要

With the rapid development of the Internet, electronic business has started to replace the traditional method of transactions. Combining the smart equipment and electronic wallet, when people go out to shop, we don’t have to bring too much money. It is very convenient to pay with the smart equipment. Even though mobile payments bring us much convenience, the concerns of security and the promotion of willing to use are very important issue currently.
Now the most common way of the electronic payment is the electronic cash. Due to the limit amount of electronic cash payment, it is suitable for the small payment. On-line credit card could let consumers get the product first and pay the bill later. Thus consumers don’t have to worry the insufficient money in the account, and can have more convenient on consuming.
Based on the common and the convenience of the credit card, this thesis proposes a credit card service regarding the banks mobile payment systems which use the proxy signature scheme. Through the system, the united center get the authorized from the bank and take the responsibility to issue the certificate. Consumers can use the certificate to apply the credit lines from the banks, and save the personal credit line information of all related banks into the smart equipment. When consumers go out to shop, they can use it to pay and don’t have to bring many cards. It makes a lot of convenience. This system take the technology of proxy signature to avoid consumers spending the over amount and achieve the requirement of security.

並列關鍵字

Proxy Signature ； Credit Card ； Electronic Commerce

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