行動電子付款系統協定

Abstract

在本篇論文中，我將對於高銘智學長在工研院參與計畫所做的行動環境下線上檢查小額付款系統，針對其系統尚未完成的部分：電子代幣的購買、取得等初始化動作，補齊其系統元件，完成整個系統的架構。電子付款系統是參照一個美國專利「Electronic coin stick with potential for future added value」（電子代幣條的未來附加價值）的Hash Chain技術實做電子代幣，該專利所使用的hash chain在交易過程有潛在的危險性在，再加上其他現實環境的考量，因此整個電子付款系統在目前的行動通訊環境應用上有一定的困難。 所以我將迎合現在電子交易環境的趨勢，配合目前行動通訊和無線應用協定WAP的發展，假設電子交易的安全在有線環境SSL、PKI和無線環境WTLS、WPKI架構的保護下已經可以達到一定的安全性，提出一套可以讓使用者透過行動通訊網路在任何時間任何地點進行電子交易的協定，符合小額付款和行動付款的需求，達到行動商務的可能性。

In this thesis, I will complete the plan of unfinished part for online checking micro-payment system in the mobile environment which Min-Jea Gau participates in ITRI including the purchase and retrieval of e-coins to accomplish the whole architecture of the electronic payment system. The e-coins used in the electronic payment system are implemented according to the United States’ Patent “Electronic coin stick with potential for future added value”. However, hash chain used in the patent has a potential risk during the transaction process and the other realistic environment consideration. Therefore, it is certainly difficulty for the electronic payment system applying on the current mobile telecommunication environment.

To temporize tendency of current electronic transaction environment and development of mobile telecommunication and WAP, supposing that the electronic transaction security has achieved the certain degree under the wired environment with SSL and PKI protection and the wireless environment with WTLS and WPKI protection, I will propose a mobile e-payment system protocol let the user perform electronic transaction with mobile telecommunication in any place at any time, and also meet the requirement of micro payments and mobile payments to achieve the possibility of mobile e-commerce.