<p>The purpose of this thesis work was to make a survey of current on-line payment technologies and find out which are they and how do they work? Compare and analyze them from a security point of view, as well as a usability point of view. What is good? What is bad? What is lacking?</p><p>To achieve this purpose, an overview of the current on-line payment technologies was acquired through academic books and papers, Internet sites, magazines. Basic cryptographic and security related techniques were studied for the security analysis of current on-line payment systems.</p><p>In this work, various current on-line payment systems were classified into two groups [Macro and Micro on-line payment systems]. This classification was based on the mode of on-line payment transactions. To analyze these on-line payment systems, a set of payment system requirements were formed [Security Issues, Usability Issues, Anonymity, Scalability etc].</p><p>Under the category of Macro payment system, Credit Card payment system, Debit Card payment system, Stored Value Card payment system, Electronic Check payment system, Electronic Cash payment system, Electronic account transfer payment system and mobile payment system transactions were examined.</p><p>Under the category of Micro payment system, Hash Chain based Payment System, Hash Collisions and Hash sequences based Payment Systems, Shared Secrete Keys based Payment Systems and Probability based payment systems were examined.</p><p>Based on the requirements of payment system, these on-line payment systems were analyzed and compared. In the analysis phase, the advantages and drawbacks of these payment systems were figured out.</p><p>It was found from the study that the credit card based payment systems are the most widely used means of conducting on-line payments. It is evident that credit card based payment systems satisfy stakeholder requirements the best, as they offer more flexible payment options, having a large user-base, benefit from familiarity and simplicity of use and also allow international payments. The other on-line payment systems lack this flexibility</p><p>It can also be extracted from the study that users want more simplified, convenient and secure on-line payment systems. Thus the futuristic on-line payment systems will have all secure payment options into one system.</p>

The purpose of this thesis work was to make a survey of current on-line payment technologies and find out which are they and how do they work? Compare and analyze them from a security point of view, as well as a usability point of view. What is good? What is bad? What is lacking? To achieve this purpose, an overview of the current on-line payment technologies was acquired through academic books and papers, Internet sites, magazines. Basic cryptographic and security related techniques were studied for the security analysis of current on-line payment systems. In this work, various current on-line payment systems were classified into two groups [Macro and Micro on-line payment systems]. This classification was based on the mode of on-line payment transactions. To analyze these on-line payment systems, a set of payment system requirements were formed [Security Issues, Usability Issues, Anonymity, Scalability etc]. Under the category of Macro payment system, Credit Card payment system, Debit Card payment system, Stored Value Card payment system, Electronic Check payment system, Electronic Cash payment system, Electronic account transfer payment system and mobile payment system transactions were examined. Under the category of Micro payment system, Hash Chain based Payment System, Hash Collisions and Hash sequences based Payment Systems, Shared Secrete Keys based Payment Systems and Probability based payment systems were examined. Based on the requirements of payment system, these on-line payment systems were analyzed and compared. In the analysis phase, the advantages and drawbacks of these payment systems were figured out. It was found from the study that the credit card based payment systems are the most widely used means of conducting on-line payments. It is evident that credit card based payment systems satisfy stakeholder requirements the best, as they offer more flexible payment options, having a large user-base, benefit from familiarity and simplicity of use and also allow international payments. The other on-line payment systems lack this flexibility It can also be extracted from the study that users want more simplified, convenient and secure on-line payment systems. Thus the futuristic on-line payment systems will have all secure payment options into one system.

現今資訊科技發展突飛猛進、通訊工具與網際網路日益普及，深深影響了人類的經濟活動，從傳統商務活動中，延展了物流、金流、資訊流的範圍，電子化提升了處理速度，改變使用模式，進而改變企業經營模式、人類思考模式與生活習慣。加上金融自由化、金融全球化等衝擊，除金融產業有擴大規模、擴大範疇之變革，金融服務亦為了因應客戶需求，趨向多元化與個人化。時至今日，商務活動中以金流的進展為最待加強，其中支付工具之電子化尤為重要。本論文研究電子票據之整體發展方向，探討電子票據能否成為安全、便利、有效、低成本之電子支付工具。 票據為支付工具之一種，其使用已久亦廣，為了能將其改進並予以電子化應用，乃有「電子票據」之電子支付工具產生。本研究旨在以票據之使用及電子票據之規劃設計機制，以我國之經濟、社會、技術、制度面等不同層面需求考量，參考歐美國家文獻與實務資料，從電子支付之角度，安全性、規模度、可靠度、低交易成本、用戶基礎等關鍵因素分析，針對電子票據發展趨勢探討，分析現行紙本票據與電子票據之優缺點，並進行電子票據與其他支付工具之比較，且比較國內外電子票據之差異性，期能對現行電子票據流程及架構提供改善及建議。此外，本研究亦研擬電子票據實施之程序及所需相關資源的配合，期能提供主管機關管理電子票據業務等之參考，進而更提昇電子支付之效率。 / Nowadays the rapid development and population of the information technology, the media, and the Internet has deeply affected all the economical movements of the human beings. The traditional commercial activities have expanded in the areas of distribution, finance, and information, because the entire entrepreneurial management strategies along with the ways that people think and live have all changed with the electronicalization that accelerates and modifies the process and usage. In addition, the financial deregulation and globalization forces the finance industry to expand in size and areas. Moreover, the financial services have become more and more various and personalized to respond the demands of their customers. Up to the present day, the development in finance area has been the one that needs to be strengthened most, especially the electronicalization of the payment tools. This essay is to study the entire development focus of the electronic note, and to find out whether the electronic note could be a safe, convenient, effective, and low-cost e-payment tool. Note is one of the payment tools and has been widely used for a long time. The so-called “electronic note” is produced in order to improve and electronicalize the traditional note. This study refers to the national documentation and practical data of the European and American countries and the different demands of Taiwan’s economics, society, technology, and regulations. It analyzes the electronic note’s design and usage in terms of safety, standard, credibility, low-cost, and user’s backgrounds. Furthermore, it discusses the development trend of the electronic note and demonstrates the pros and cons of the paper-note and electronic note. By the comparison between the electronic note and other payment tools and exploring the differences of the electronic note’s usage in Taiwan and in other countries, it is expected to come out some advice for improving the current electronic note infrastructure and the required resources. It maybe provides helpful suggestions for many financial organizations and increases the effectiveness of the e-payment systems.