便利與信賴的行動付款機制之設計與實作

Design and Implementation of Convenient and Trusted Mobile Payment System

邱永章(Jang-Young Chiu)

指導教授 ： 鄭福炯

大同大學/電機資訊學院/資訊工程學系所/碩士(2005年)

摘要

隨著資訊科技的發展，現在的人們能透過各種新奇的方式(如網路或手機)購買到任何的商品與服務，然而大多數的服務提供者或商家卻只提供現金或信用卡等收款方式，所以當商品或服務透過更多新奇的方式提供時，傳統的付款機制便不能滿足商家與消費者的需求。因此在本論文中，我們提出一種行動付款機制來解決這些問題。
我們所提出的行動付款機制，是將我們的網路付款機制(簡稱e-Payment)所提供的服務實作在行動裝置上，以便適用於所有的交易方式(例如：B2C、C2C與P2P(Person to Person)的傳統交易、網路交易、行動交易…等)。並且具備安全性高、操作簡易、通用性佳與費用低廉等四個要素。希望能讓消費者與商家能便利的於任何時間與任何地點進行交易。

關鍵字

行動付款機制、網路付款機制、小額付款、B2C、C2C、P2P(Person to Person)。

並列摘要

As the developing of information technology, people nowadays can buy almost anything through the novel ways (ex. Internet、handset). But only cash and credit card are acceptable in most of the service providers and merchants. However, traditional payment schemes do not suffice for our needs as more novel commercial services and goods are provided through more novel ways. Therefore, this paper presents a new mobile e-Payment scheme to solve this problem.
The mobile e-Payment system, as we have mentioned here, is implementing the internet electronic payment (e-payment) into mobile handsets, which is only suitable for small payments with transactions of B2C (Business to Customer), C2C (Customer to Customer), and P2P (person to person). It satisfies the security, usability, interoperability, broadness, and low cost. The consumer and merchant can make transaction at anytime and in anywhere.

並列關鍵字

and P2P (person to person) ； B2C ； C2C ； e-Payment System ； micro-payment ； Mobile Payment System

參考文獻

[4]- Lucas de Carvalho Ferreira ,Ricardo Dahab , “A Scheme for Analyzing Electronic Payment Systems”, IC/Unicamp and DEX/UFLA DEX, Campus da UFLA 37200-000 Lavras MG.

[10]- Seema Nambiar, Chang-Tien Lu, Lily R.Liang “Analysis of Payment Transaction Security in Mobile Commerce” 2004 IEEE.

[12]- Supakorn Kungpisdan, Bala Srinivasan, and Phu Dung Le, “A Secure Account-Based Mobile Payment Protocol“ Network Computing, Monash Univesity, Australia , ITCC, 2004 IEEE.

[13]- Upkar Varshney, “Mobile Payments” Georgia State University December 2002 Communications P120-P121. 14th International Workshop on Database and Expert Systems Applications (DEXA’03),2003 IEEE.

[14]- Wassim Itani and Ayman I. Kayssi,” J2ME End-to-End Security for M-Commerce”, Department of Electrical and Computer Engineering American University of Beirut. 2003 IEEE.