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基于智能卡的在线安全小额支付系统的研究
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摘要
电子支付是电子商务的关键环节,也是电子商务得以顺利发展的基础条件。没有相应的电子支付相配合,电子商务就成了真正意义上的虚拟商务:只能实现电子商情、电子合同,而无法在网上成交。电子商务中互联网上的交易绝大部分都是小额交易,所以必须提出合适的小额支付原型。电子支付面临的最大的挑战是安全问题,而智能卡具备特有的安全特性,因此进行“基于智能卡的在线安全小额支付系统”的研发可以加速我国的电子商务的发展。
     本文首先介绍了课题的研究意义,综述了电子商务和电子支付的发展和现状,详细地比较了几种电子支付系统,指出基于智能卡的支付体系的优点。
     接着综述了智能卡基本原理,特别是COS(芯片操作系统)的内在安全机制,给出了本支付系统中的卡内文件结构的定义。利用网络数据库编程原理,重点讨论了Windows套接字系统工作过程、数据库的访问技术ODBC、Web数据库中间件技术CGI和ASP、C/S及B/S计算模式的特点,提出本支付系统中采用中间件的分布式B/S模型。
     建立了在线小额支付系统的整体构成框架,研究了密钥管理系统,重点分析了发卡系统的各个子模块及实现的过程。实现了基于智能卡的在线安全消费交易,同时开发了用户卡管理程序,客户端用户可以方便、实时地查询智能卡里的相关信息。
     本文的最后部分分析了当前电子商务领域所面临的安全隐患和通用的安全防护措施,提出了基于智能卡的安全电子邮件的解决方案,并重点改进了SET协议,分析了安全桌面操作系统的安全性,实现了基于智能卡的Windows98的安全用户登录管理。
     全文研究电子商务中的电子支付问题,结合面向对象的思想,采用网络技术、数据库技术和智能卡原理,讨论了基于智能卡的在线安全小额支付系统。通过本系统,用户通过浏览商家的主页,选定要购买的商品,然后通过此技术进行在线支付。“基于智能卡的在线安全小额支付系统”方案实现起来比较方便,安全性较高,速度较快,比较适合中国的网络现状,成功地填补了当前我国在线安全小额支付的空白。
Electronic Payment (EP) is not only the key aspect of Electronic Commerce (EC), but also the basic requirements for the shape up of it. Without the proper EP system, EC will be the real "Virtual Commerce", which is market conditions and electronic contract. However, bargains can't be on line under this. What's more, most of the bargains done on line are of small-scale, as a result the prototypes for small-scale should be put forward timely. Just for the biggest challenge for EC is the problem of security and the Smart Card's proper security capability, the research on "Security small-scale EP system on line based on Smart Card" will certainly accelerate EC's development of our country.
    Firstly, this thesis deal with the introduction of source of the project, the development and status quo of EC and EP systematically and compare several EP systems in detail, the virtue of EP system that based on Smart Card.
    In sequence, it analyzes the primary principle of Smart Card and especially the inherence mechanism of Chip Operation System (COS), and defines the file structure of this EP system in card.
    Next, adopt the principle of Web Data Base (DB) programming, especially analyzes these fields such as: Windows Socket programming; the technique of access to DB; the middleware technique of CGI and ASP; the characteristics of C/S and B/S. And it brings forward the distributing B/S model that adopts the middleware technique during this EP system.
    Moreover, the whole frame of online small-scale EP system is brought out, followed by the introduction of the management system of key. It emphases the realization processes of the various modules of the distribute card system and declares the command streams of the distribute card system.
    It realizes Security small-scale EP system on line based on Smart Card. In the mean time, it builds User Card Management module, the client of Web Browser can query the information of card in convenience and in real time.
    Finally, it analyzes the current security malpractices and universal security protection measures that EC faced. It put forward a security e-Mail way that
    
    
    
    based on Smart Card, especially in improving on SET protocol. And it also discusses the security capability of desktop Operation System, gives the security user login management of Windows 98 that based on Smart Card.
    The whole paper does research on EP system during EC. In accordance with object-oriented principle, it adopts the technique of network, DB and Smart Card to build "Security small-scale EP system on line based on Smart Card". Through this system, the customer can pay on line for the choosing correlative merchandise by browsing the shop's homepage. "Security small-scale EP system on line based on Smart Card" is very easy to adopt. And it has good security performance and quick speed. It suits for the current actuality of Chinese network, success in filling up the blank of our country in secure EP system on line.
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