编号：山西信息职业技术学院毕业论文毕业设计题目：电子支付工具的应用与分析系别：信息管理系专业：电子商务班级：商务0801学生姓名：刘宏琴指导教师：徐静2011年3月9日摘要随着通信网络技术的飞速发展，特别是Internet的不断普及和应用，电子商务发展迅速，利用电子商务进行商品交易时，必然会牵涉到支付环节。电子支付是指进行电子商务交易的当事人，包括消费者、厂商和金融机构，使用安全电子支付手段，通过网络进行货币支付或资金流转。电子支付是以电子计算机及其网络为手段，将负载有特定信息的电子数据取代传统的支付工具用于资金流程，并具有实时支付效力的一种支付方式。信息技术的发展促进了金融业务和金融管理的创新，银行作为社会信用的支付中介功能也在这一大的技术背景下获得了质的突破。关键词：电子支付；网上银行；第三方支付AbstractAlongwiththerapiddevelopmentoftelecommunicationnetworktechnology,especiallytheincreasingpopularityofInternetandapplications,e-commercedevelopmentisrapid,usingelectroniccommercecommoditiestransaction,theinevitablemeetinginvolvespaymentlink.Electronicpaymentfore-commercetransactionsreferstotheparties,includingconsumer,manufacturersandfinancialinstitutions,theuseofsafeandelectronicpaymentmethod,throughthenetworktocarryonthemoneytopayorcashflow.Electronicpaymentbasedonelectroniccomputerandnetworkasthemeans,willloadsareparticularinformationofelectronicdatainsteadoftraditionalpaymenttoolforfundingprocess,andhaspaidareal-timeeffectivenessofpayment.Thedevelopmentofinformationtechnologytopromotethefinancialbusinessandfinancialmanagementofinnovation,thebankasasocialcreditpaymentintermediaryfunctionalsointhisgreattechnicalbackgroundgainedqualitativebreakthrough.Keywords:electronicpayment,Thebankonthenet,Third-partypayment目录1电子支付模式................................................................................................................11.1电子支付的概念及特征........................................................................................................11.2电子支付手段........................................................................................................................11.2.1现金支付.....................................................................................................................11.2.2票据.............................................................................................................................11.2.3信用卡.........................................................................................................................21.3电子支付工具........................................................................................................................21.3.1电子现金.....................................................................................................................21.3.2电子钱包.....................................................................................................................31.3.3电子支票.....................................................................................................................32网上银行........................................................................................................................42.1业务与特征............................................................................................................................42.2支付网关............................................................................................................
