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研究生： 陳士元
Shih-Yuan Chen
論文名稱： 以智慧卡建構網際網路人際間支付之微付款系統
A Smart Card Based Person-to-Person Micro-payment System
指導教授： 林熙禎
Shi-Jen Lin
口試委員:
學位類別： 碩士
Master
系所名稱： 管理學院 - 資訊管理學系
Department of Information Management
畢業學年度： 90
語文別： 中文
論文頁數： 140
中文關鍵詞： 電子商務 、小額付款 、智慧卡 、資訊安全 、密碼學 、網站應用程式 、電子錢包 、人際間服務
外文關鍵詞： Cryptograph, Information Security, Smart card, Small payment, E-Business, Web application, Person to person service, E-Wallet
相關次數： 點閱：13  下載：0 
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    • 在網際網路興盛，電子商務逐漸昂頭的世紀，資訊傳遞的成本降低，在各式的物流，資訊流…中，對於網路付款機制所處理的金流，已有許多的建議和方案以及相關的實驗和產品(如:Millicent，Ecash…等等)的提出，但對於現金的e化，以及在實際生活中使用現金的習慣，諸如人際之間的現金給付的行為，應如何在網際網路和使用相關的資訊技術和工具作一個對應的詮釋？
    本篇”以智慧卡建構網際網路人際間支付之小額付款系統”，其目的在於提供使用者利用安全的硬體設施--智慧卡，在網際網路中詮釋現實生活對於小量現金使用的行為。本系統由使用者在仲介者處申請與註冊，並取得仲介者發行的智慧卡後，即可利用仲介者所提供的網路服務，對於參與本系統的其他使用者進行電子現金的支付(包含計價和非計價服務的現金支付)；使用者也可以搭配仲介者提供使用者的網路元件(配合仲介者所發行智慧卡與網站應用軟體元件)提昇成為服務提供者( Service Provider )，提供服務給其他的使用者，並藉此以收取小量的付款(如此，也是一種同儕對同儕的服務—person-to-person service)。
    本系統在提昇收款實現的時效性(即時性)方面，使用者可以即時的利用所收到的電子現金，不會有時間差的問題，甚而可利用此機制與實體店家的付款機制結合，如此，對於實際生活中，現金的e化會有所助益，也算能改善現今偽鈔盛行的問題。

    For the prevalence of Internet , the Electronic Commerce is toward a wide range of application and the cost of information transmission is much lower. For the processing of electronic payment, there have been many solutions and products, such as Millicent , Ecash…ect. How do we know about and provide the implement of related information technology and tools for the processing of person-to-person payment in the network just like the personal usage of money in the real life?
    This article explains the current person-to-person small payment mechanism in the Internet and provides a smart card-based person-to-person small payment system. After user’s registration from the Broker, not only can he use the Broker’s Web application for payment. But also the user of this system can become a service provider with the help of web site package from the broker and can accept other user’s payment. Such application is a kind of person to person service.
    This article introduces the current person-to-person payment mechanism , ” Paypal” . Meanwhile, this system use the characters of Smart Card’s restricted access and secretly storage and calculation inside the card. This would significantly decrease the chance for hackers to tamper and forge the transaction message, thus provide a strongly security payment system and raise the confidence of the user for paying in the Internet.
    At the same time , user of the system can accept money in a real time mode. After receiving e-money , he could use it for the next transaction without any other processing. Besides, we could use the mechanism to combine the physical payment solution, such as the 7-11 or physical store .For the occurring events of money forging nowadays, our system can give a guide for dealing with this problem.

    第一章緒論..........................................................................................1 第一節研究動機................................................................................1 第二節研究目的................................................................................3 第三節研究範圍與限制................................................................3 第一項研究範圍................................................................................3 第二項研究限制................................................................................4 第四節研究方法與架構................................................................4 第一項研究方法................................................................................4 第二項研究架構................................................................................5 第三項章節安排................................................................................6 第二章文獻探討..............................................................................7 第一節密碼學.....................................................................................7 第一項加密與解密............................................................................7 第二項對稱鑰加密............................................................................8 第三項非對稱鑰加密.....................................................................11 第四項訊息摘要與訊息認證碼...................................................12 第二節智慧卡...................................................................................14 第一項何謂智慧卡及其類別與優點.........................................14 第二項智慧卡的存取認證模式...................................................17 第三項智慧卡的標準趨勢............................................................18 第四項智慧卡的應用.....................................................................26 第三節電子付款系統...................................................................30 第一項現有的電子付款系統.......................................................30 第二項付款系統的分析評估與分類.........................................45 第三項具防止竄改機制的微付款系統.....................................54 第四項人際間支付之付款系統...................................................60vii 第三章以智慧卡建構網際網路人際間支付之微 付款系統.................................................................................................63 第一節系統概觀..............................................................................63 第二節系統架構與設計..............................................................65 第四章系統實作............................................................................75 第一節工具與開發環境選用...................................................75 第一項智慧卡...................................................................................75 第二項智慧卡讀卡機.....................................................................76 第三項開發工具..............................................................................76 第二節相關系統技術...................................................................85 第一項系統環境..............................................................................85 第三節系統雛型..............................................................................87 第五章結論與建議......................................................................92 第一節結論........................................................................................92 第二節系統比較..............................................................................96 第三節後續研究及建議............................................................100 參考文獻……… …………………… …… … … … … … 101 附錄一智慧卡卡端程式… … … … … … … … … …106 附錄二智慧卡主機端程式… … … … … … … … 108 附錄三仲介者提供服務之程式… … …… … … … … 124

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