毕业设计(论文)-基于C++的网络第三方支付系统.docVIP

摘要 进入21世纪，中国互联网产业发展势不可挡，电子商务己经成为商品交易的最新模式。作为资金流关键环节的支付，成为制约电子商务发展的主要瓶颈。而第三方支付模式为电子商务中的信任难题找到了初步解决方案，将电子商务推向一个新高潮。 第三方支付指由具备一定实力和信誉保障的非银行独立机构，集成银行支付结算系统接口或基于其他服务通道，为交易各方提供货币支付、资金清算、交易监管等交易支持服务而形成的支付模式。目前，我国第三方支付模式可以分为两类:一类是独立的第三方网关模式，一类是具备担保功能的非独立第三方支付模式。 在电子商务交易时，在网络这个特定的虚拟环境中，由于信息的不对称，双方会产生道德风险，从而阻碍网上交易的发展。本文通过完全信息静态博弈，参与人不固定的重复博弈等模型，从理论上分析了网上交易所面临的困境，并通过建立改进的动态博弈模型，说明第三方支付是如何解决网上交易的信任问题的，从而指出了第三方支付的巨大优势。 关键字:电子商务；第三方支付 Abstract Entering the 21st century, Chinas Internet industry development unstoppable, e-commerce have already become commodities trading, the latest model. As cash flow key links payment, restricted the development of ec bottleneck. But the third party payment models for e-commerce trust in the preliminary conundrum to find solutions, will e-commerce to a new high. The third-party refers to the strength and credibility by have certain non-bank independent institutions, ensure payments and settlement system interface integrated bank based on other service channel, or for trading all parties to provide money to pay, fund settlement, trade supervision trade support services, in the form of payment mode. At present, our country third-party payment mode can be divided into two kinds: one kind is an independent third party gateway mode, one kind is the guarantee function with independent third-party payment mode. In the electronic business transactions, in network this particular virtual environment, because of the asymmetry of information, both sides will produce moral hazard and hinder the development of online transactions. This article through the complete information static game, participants dont fixed repeated game model, such as online exchange are analyzed theoretically, and the difficulties faced by establishing the dynamic game model, improvements that the third-party is how to solve the problem of trust of online transactions, and pointed out the great advantage of third-party payment. Key word: electronic commerce; Third-party payment 目录 TO