【作者】 杨茂云；

【导师】 何大可；

【作者基本信息】 西南交通大学 ， 密码学， 2003， 硕士

【摘要】 电子支付是电子商务的重要部分，没有电子支付的商务不是电子商务。电子商务的多样性决定了电子支付的多样性。电子支付系统主要分为大额支付系统、小额支付系统及微支付系统，大额支付系统对安全有较高的要求，微支付系统对效率有较高的要求。电子现金是实现小额支付系统和微支付系统的主要手段，密码技术是设计电子现金系统的主要工具。基于Brands假设，设计了两个适用于小额支付的离线电子现金系统：一个是具有完全匿名性的离线不可分电子现金系统，另一个是可撤消匿名性的离线不可分电子现金系统，这两个系统都较好地解决了银行服务器的瓶颈问题；针对即付即用(pay-per-use)类型电子商务和移动商务的支付需求，基于“虚借记”的概念，设计了一个微支付系统NPAY，较好地解决了消费者超额消费问题，系统的通讯开销也大大减少，并且消费者可以匿名消费。更多还原

【Abstract】 Electronic payment is an essential part of electronic commerce. The variety of electronic commerce breeds the variety of electronic payment. The electronic payment system consists of macro-payment system, small-payment system and micro-payment system. Macro-payment system is in great need of security and the micro-payment system is in great need of efficiency. Electronic cash is the main method to implement small-payment system and micro-payment system, while the cryptotechnology is a main approach to designing electronic cash system. Based on the hypothesis of Brands, this thesis presents two off-line electronic cash system applied to small payment: one is an off-line nondivisible electronic cash system with complete anonymity, and the other is an off-line nondivisible electronic cash’system with repealed anonymity. The two systems can solve the bottleneck problem of bank server. Furthermore, based on the concept of virtual debit as well as the payment demand of pay-per-use electronic commerce and mobile commerce, this paper designs a micro-system NPAY, which can solve the problem of extra-consuming, greatly reduce the system communication overhead, and the consumer can anonymously consume.更多还原