安全在线支付模型及支付协议的研究-工业工程专业论文.docxVIP

华中科技大学硕士学位论文 华 中 科 技 大 学 硕 士 学 位 论 文 I I 摘 要 网络在线支付作为电子商务中一种高效的支付手段，已成为目前基于 Internet 经济 的重要组成环节。而在线支付模型及在线支付协议作为网络在线支付的核心部分，具 有显著的安全性和实用性要求，对其进行研究和设计对保障网络在线支付的安全和促 进电子商务的发展具有明显的现实意义。本文以在线支付模型及在线支付协议为主要 研究对象，从支付模型的架构、交易流程、安全与实用性特征以及支付协议的设计准 则、实现流程等方面进行了系统的研究与设计，本文所做的主要工作如下： 首先，对在线支付模型展开研究与设计。研究分析了在线支付模型架构、交易流 程及安全与实用性特征，并设计了一种基于第三方支付网关的安全在线支付模型，给 出其模型架构和交易流程，具有安全实用的特点。 其次，对在线支付协议展开研究与设计。给出了在线支付协议设计应遵循的主要 准则，并以这些准则为参照结合第三方支付网关支付模型，设计了一种安全网络在线 支付协议 SNOPP(Secure Network Online Payment Protocol)，给出了其实现过程，并对 该协议的属性进行详细的分析，体现了安全公平的要求。 最后，基于所提出的在线支付模型及协议，设计了一个安全网络在线支付系统。 给出了系统整体体系结构，以及系统各组成部分的设计与实现过程，能提供一个安全 可靠和公平的网络在线支付交易过程。 关键词： 在线支付模型、在线支付协议、第三方支付网关、安全在线支付系统 II II Abstract As an efficient method of electronic commerce, network online payment has become an important part of internet-based economy. The online payment model and online payment protocol, which is the core of network online payment, has significant security and availability requirement. So the research and design of them has obvious significance in protecting the security of network payment and promoting the development of electronic commerce. In this thesis, online payment model and protocol is researched, including the structure, transaction process and security and practicality of online payment model, as well as the design criteria and the implementation process of online payment protocol. The main work of this thesis is outlined as follows: Firstly, the online payment model is researched and designed. The content includes the structure, transaction process and security and practicality of online payment model. Then an online payment model based on third-party payment gateway is introduced. And the structure and transaction process of this model is also given. It has security and availability. Secondly, the online payment protocol is researched and designed. The design criteria and the implementation process of the online payment protocol is researched. Then a secure network online payment protocol called