毕业论文-- 第三方支付的研究与应用.doc

第三方支付的研究与应用 PAGE PAGE 3 中文摘要? 20世纪90年代，我国电子商务开始兴起，随着网络经济时代的到来，我国电子商务得到了快速发展。电子商务运作模式和业务流程中的三个环节——信息流、资金流、物流是促进电子商务发展的关键，作为中间环节的第三方支付，无疑是电子商务交易流程中的重中之重。从目前来看，我国网上支付虽然发展很迅速，但是也还存在着诸多的问题，此次论文将从网络环境的安全问题、网上支付的风险防范问题、社会的信用问题、网上支付的技术标准问题、电子货币的合法性问题和网上支付的金融监管问题等五个方面解读我国网上支付中存在的主要问题，并给出相应的对策和建议。此次论文的目的主要是让大家了解第三方支付，并注意到网上支付中存在的一些问题，以便让大家在网上购物的过程中更好地维护自己的权益，更好的构建安全的电子商务网络环境，促进电子商务更好更快地发展。 关键词：第三方支付；网络安全；电子货币；电子商务 Abstract In the 1990 s, Chinas e-commerce began to rise, with the advent of the era of network economy, e-commerce has been rapid development in our country. Electronic commerce operation pattern and the three aspects of the business process, information, capital, logistics is the key to promote the development of electronic commerce, as a third party to pay of the intermediate links, the most important thing is the process of e-commerce transactions. For now, though online payment is developing very quickly in China, but there are also many problems, this paper will from the safety of the network environment, online payment risk prevention issues, social credit problems, online payment, technical standards, the legitimacy of electronic currency and online payment of financial regulation problems in five aspects, such as reading in our country the main problems existing in the online payment, and give the corresponding countermeasures and Suggestions. The purpose of this paper is mainly to let everyone know the third party payment, and pay attention to some problems existing in the online payment, so that everyone in the process of online shopping better safeguard their own rights and interests better building secure e-commerce network environment, to promote better and faster development of electronic commerce. Key Word : Big-Date; Finalcal; Electronic Currency; Electronic Commerce 目录 中文摘要 1 ABSTRACT 2 TOC \o 1-3 \h \u 22614 目录 3 30283 1.第三方支付平台的介绍 4 6094 1.1 第三方支付的定义 4 1301 1.2 第三方支付的交易流程 4 15361 1.3 第三方支付的特点 4 32357 1.4 国内第三方平台现状与主流平台介绍 5