Electronic fund transfer:
Also known as electronic check system. The buyer obtains a unique electronic check payment certificate from a financial institution and sends the payment certificate
Sellers, sellers get payment through financial institutions.
Credit card system:
Credit card payment is a widely used way in e-commerce. When users shop on the website, they first need to register a credit card number.
After ordering and shopping, the website will deduct the cost of this transaction from the user's credit card account.
Digital cash:
Digital cash is an electronic digital currency, which has more advantages than actual cash. The release method comprises storing.
Prepaid card form and user number data file form of pure electronic system.
2. At present, bank cards are widely used in e-commerce activities, which requires that the bank card application system must have high security and reliability. attempt
Taking the peony smart card of the bank as an example, this paper explains what measures the user and the bank card application system should take to maximize if the user loses the smart card.
Risk?
Users should immediately report the loss to the local Industrial and Commercial Bank of China or report the loss by telephone. You need to bring your ID card and Linksys card number when reporting the loss.
The bank card application system should undertake the task of sending the stop payment list to all nodes in the system as soon as possible. When a user reports a loss at a branch.
Send the stop payment list to the head office center through the computer network as soon as possible; The Center of the Head Office is responsible for checking and summarizing the list of stop payment, and then all stop payment.
Send to all branches; In addition, it is also necessary to send the payment stop bill to the special merchants regularly.
3. Personal telephone banking is a commercial system that provides financial services to users by computer telephone integration. Describe the use of telephone banking.
Use Process of Personal Telephone Banking in China Industrial and Commercial Bank
4. Online payment is a new service developed by financial industry in e-commerce. Describe the steps of online payment.
The use steps of ICBC online payment are as follows:
Shop on ICBC's specific website and pay at the virtual cashier according to the website prompts.
Click the ICBC online payment icon to enter the ICBC online payment page, and the order information is also encrypted and transmitted to the ICBC network.
Enter your online banking login card number and payment password according to the page prompts, and then confirm the submission.
The system will prompt whether the online payment is successful, and if it fails, it will prompt the reason for the failure.
5. Online banking provides RMB transfer service, which can realize Kaka transfer service between peony cards and smart cards of customers themselves or others. As shown in the following figure
The system realizes the main page of foreign transfer business. Please note that the system requires the transfer account card number to be entered twice. Try to consider one from the perspective of fund transfer security.
Why are you doing this?
When transferring money to the outside world, the system requires the customer to enter the transfer-in account twice and enter the online banking payment password required for the transfer, and the customer will
After the account instruction, the situation that the customer sends the same transfer instruction for many times is avoided. This effectively controls the fund transfer and transfer of Peony Personal Card.
And ensures the security of the transfer business.
6. Bank-securities transfer is another service provided by ICBC's online banking, which enables users to realize their own bank savings account or credit card account.
The company's fund accounts transfer money to each other, and you can check the real-time balance of your fund account at the securities company. The picture below shows a bank deposit-to-securities company.
Customer's work page. Of course, users must go through some formalities before using the bank-securities transfer business. Try to consider what procedures users need to go through.
In order to conduct bank-securities transfer business, customers must first designate bank accounts that can be transferred to each other in China Industrial and Commercial Bank of China and the securities companies in their cities.
The company's capital account number, and then open online banking and securities business at the outlets.
7. For foreign students and parents, tuition payment is also a very popular business, which enables customers to pay tuition online to schools that have signed agreements with ICBC all over the country.
Accommodation and other expenses, and easy to use. The following figure demonstrates the use of this service. Please answer what tuition fees customers need to fill out according to the demonstration.
Information? Which items are more important, that is, being able to uniquely identify the students themselves?
The student information to be filled in the tuition payment application form includes: student name, major, student ID card or notice number, payment, etc.
The only information that identifies a student is the student ID card or notification number of the student.
8. Try to list the main applications of financial industry in e-commerce activities.
Telephone banking service
Telephone banking is the perfect combination of modern communication technology and banking financial services. Customers can enjoy silver just by pressing the button on their mobile phones.
Our financial services are simple, easy to operate, powerful, safe and reliable.
Online/online banking
Online banking can provide users with a full range of self-help financial services, including transfer, foreign exchange trading, bank-securities transfer, online payment and account.
And a series of functions. In addition, the close cooperation between online banking and e-commerce has further promoted the development of financial industry in e-commerce activities.
Mobile banking
With the rapid growth of mobile phone users in China, mobile banking has also developed. Mobile phone users connect to mobile companies through the banking network.
The consulting platform directly realizes personal financial services such as account inquiry, bank transfer and self-service payment through mobile phones.
Online payment
Online payment is an important part of the development and innovation of e-commerce and financial services. So that the user can make a decision at any time.
Get the bank's payment service through the internet, without going to the bank's traditional business counter.
9. Online payment is a key link in the development of e-commerce, which is characterized by helping people to make timely electronic payment and settlement on the Internet through electronic money.
Complete shopping and consumption activities. On the security requirements of online payment.
Fully certified customer
Complete information transmission
Shall not refuse to pay
Effective audit mechanism
privacy protection
Reliable information service
10. With the development of the Internet, online payment has gradually become a new electronic payment method, which plays an extremely important role in the field of e-commerce.
Describe the development of the payment system currently appearing on the Internet.
Digital currency system:
A payment system that allows anonymous direct payment. The payment is done by an encrypted letter representing an equal amount of digital currency.
It's over.
Payment and clearing system:
Use the existing security clearing procedures to provide information intermediary services for online payment on the Internet.
Bank card payment system:
Aiming at the encryption algorithm of bank card, the traditional bank card payment information is transmitted to merchants through the Internet and extracted by the financial private network.
Established payment credit; Or use smart card technology to provide online bank card payment.
1 1. With the development of computer technology, electronic money is increasingly used in financial transactions. Please describe the characteristics of electronic money.
Electronic money is based on financial electronic network, with commercial electronic equipment and various transaction cards as the media and computer technology and communication as the means.
As a means, it is stored in the computer system of the bank in the form of electronic data, and the circulation is realized in the form of electronic information transmission through the computer network system.
Currency of payment function. It has the following characteristics:
Relying on computer technology, deposit, payment and circulation;
Widely used in production, exchange, distribution and consumption fields;
Set savings, credit, non-cash settlement and other functions in one;
At present, the use of electronic money is usually based on bank cards;
Electronic money is simple, safe, fast and reliable.
12. What kinds of electronic money systems are there?
Electronic check system
Electronic check system makes full use of the automation potential of the current banking system by eliminating paper checks.
Bank card system
Bank card payment is a common financial service method, which can be used in shopping malls, restaurants and other places. Credit cards are the most widely used at present.
Penny, which needs to be used online.
Electronic cash system
Electronic cash is a kind of digital cash currency, and its distribution methods include prepaid cards with storage properties and pure electronic systems.
Code data files and other forms.
13. The security of transactions is very important in e-commerce. Please tell me some basic security requirements for e-commerce online transactions.
Identification of both parties to the transaction.
Confidentiality of data.
Data integrity.
There is no denying it.
14. In the field of security authentication of e-commerce applications, the word "electronic certificate" is often seen. Can you briefly explain what e-cert is?
Electronic certificate is a piece of data information signed by CA (Certificate Authority), which indicates the identity information of all parties in network communication and has similar functions.
Living id card. It is issued by the authority -CA Center and contains the information of the owner of the public key and the file of the public key. People can
Use it to identify each other in communication.
15. Please briefly describe the purpose of e-Cert:
When you communicate or conduct e-commerce activities through the Internet, the use of e-cert can prevent data from being stolen by a third party, or
Once a dispute occurs, it is easy to prevent denial. Electronic certificate is an indispensable tool for secure communication, which ensures the confidentiality of information transmission and data.
Sex, undeniable, certainty of trader's identity.
16, please log on to the website of China Financial Certification Center,/get a preliminary understanding of the financial certification system, and explain the audit and
Process.
CFCA certification first needs to go to the bank for qualification examination. In the bank, you need to fill out a form, and the content of the form is certified by the bank.
CFCA, a certificate issued by CFCA. Users download certificates online. The structure of certificate includes digital signature composed of name, ID card and public key information.
The signature will be attached to the certificate and the authenticator will be automatically added to the browser. When using, the system will automatically check the digital signature. The certificate of CFCA is
In the form of authentication, both the buyer and the seller and the paying bank must hold certificates.
17, the importance of e-cert is obvious, so how do we get it? Please briefly explain the general method of obtaining e-cert below:
1) Download the root certificate;
2) Apply for account authentication;
3) Download the installation certificate
18. Online electronic payment is the key link of e-commerce and the basic condition for the smooth development of e-commerce. The development of e-commerce needs the synchronization of financial industry.
Commercialization and the establishment of online banking have become the general trend. Please briefly describe what online banking is.
Online banking is a virtual banking counter on the Internet. Users can not be limited by time and space, as long as they use one PC, one.
Ok, you can enjoy all-weather online financial services. Network financial services here refer to physical financial services, except traditional commercial banks.
In addition, online payment and settlement can also be carried out. Those banks that have their own websites but only conduct image promotion and business introduction can only
Online banking ",not" online banking ".
19. Suppose you bought a TCL TV on a website through CA, what did CA do in the whole process of online shopping for TCL TV?
Safe work?
1. confidentiality of information transmission;
2. Information cannot be tampered with;
3. Identity authentication;
4. Non-repudiation of the transaction.
20. If you have obtained a personal certificate of a website and now you want to send an email, how is the security reflected in this process?
Explain what a Web server with a site certificate can do.
When you have a personal certificate of a website, you can use your digital certificate to send an email with your own signature, thus ensuring the security of the email.
Reliability, when your email recipient also has a personal certificate, you can send an encrypted email to the other party with the other party's digital certificate. besides
When using WWW service, you can visit Internet websites that require customers to verify their security.
A Web server with a site certificate can:
1) opens the SSL secure channel of the server, so that the data transmission between the user and the server is carried out in an encrypted form.
2) Require a client certificate to ensure that the Web server will not be invaded by unauthorized users.
2 1. E-wallet is one of the four functions needed for online transactions. Please explain what an electronic wallet is.
Simply put, it is the customer's encrypted bank account, and its installation program can be downloaded from the Internet, or directly to the online bank to receive the installation light.
Online banking even directly replaces the function of e-wallet with ordinary credit cards.
22. Electronic payment tools are the product of the rapid circulation of funds required by the high development of modern commodity economy, and are realized by using modern science and technology, especially computer technology.
Briefly describe the characteristics of electronic payment tools.
(1) Electronic payment tools are constantly changing their existence mode due to different processing media. The processing media is magnetic media on computer storage devices, but in.
What propagates in the network is electromagnetic wave or light wave, while in the CPU processor it is electric pulse.
(2) The circulation of electronic payment tools is based on the normal operation of related equipment, and new technologies and equipment have also triggered new electronic payment tools.
The appearance of the formula.
(3) Electronic payment instruments have higher security and reliability than other types of currency in circulation, and their security is through users.
Security protection functions of hardware encryption and decryption systems and routers and other network devices.
Please explain the main ways in which banks use computers and other technologies to make electronic payments. Represents the different stages of the development of electronic payment tools.
1. Banks use computers to handle inter-bank fund transfer business and remittance settlement;
2. Remittance of funds between bank computers and other institutions' computers, such as wage services;
3. Use network terminals to provide customers with various banking services, such as withdrawal and deposit operations at ATM;
4. The POS (point of sale terminal) of the bank provides automatic deduction service to customers, which is the main way of electronic payment tools at present;
5. Electronic money can be directly transferred and settled through public networks (such as the Internet) anytime and anywhere, forming an e-commerce environment. this is
This form will also be the main financial payment method in the future.
24. Online trading-an exciting new "trend" in the eyes of China investors is no longer far away. Please explain the meaning and characteristics of online trading.
Online trading means that investors use the Internet to obtain timely quotes and related information of the securities market, and place orders online to achieve the same purpose.
A way of securities trading. It has the following characteristics:
1, with high security.
2. Entrustment is fast and convenient, and transactions are conducted through various channels.
3. It is convenient and simple to open an account, fill out forms online and provide on-site service.
4. Easy access.
5. The system is fully functional.
25. Bank cards are payment tools issued by banks to consumers. When the payment based on bank card is made on the Internet, the information will be in a completely open network.
Broadcasting, so safety is more important. At present, the bank card payment system is mainly based on SSL protocol or SET protocol. Please briefly explain what SSL protocol is.
Consistency and the focus of both.
SET protocol (secure electronic transaction) was established by VISA and MasterCard in 19.
The specification was jointly launched in June. SET is mainly used to solve the transaction between users, merchants and banks, which is guaranteed by credit card payment.
Confidentiality of information, integrity of payment process, legal status of merchants and cardholders, and operability. The core technology in SET mainly includes opening secrets.
Electronic digital signature, electronic envelope, electronic security certificate, etc.
SSL (Secure Sockets Layer) is a secure communication protocol introduced by Netscape, which
Use cards and personal information to provide strong protection. SSL is a protocol that encrypts the entire session between computers. In SSL, public is adopted.
Two encryption methods of private key.
SET protocol is more complicated than SSL protocol, because the former not only encrypts a single session between two endpoints, but also encrypts and identifies the session between three parties.
Rest.
26. The typical structure of e-commerce payment information flow is shown in the following figure, and the trusted third party is CA certification center. Both merchants and customers must go to CA to get it.
Then pass CA certification. Obviously, all parts of information transmission must be encrypted; The source and purpose of information must be authenticated.
The payment gateway is located between the Internet and the traditional private banking network, and its main function is to securely connect the Internet and the private network.
The online transaction information is transmitted to the secure bank private network, which plays the role of isolating and protecting the private network. The main functions are: connecting to the Internet.
Decrypt according to the message and repackage the data according to the communication protocol inside the banking system; Receiving the response message sent back by the banking system,
Change it to the data format of Internet transmission and encrypt it. That is, the payment gateway mainly completes communication, protocol conversion and data encryption and decryption.
Protect the internal network of banks.
27. In recent years, online transactions in China have developed rapidly. Please describe the current situation of online securities trading in China.
1) China's online securities trading conditions are met and have begun to take shape.
2) Technology is widely used in China securities industry.
3) Some domestic brokers have started online trading.
4) Before, some large domestic brokers started to set up their own websites and opened their own intranets one after another, which were directly accessed by customers.
The trading system of the business department no longer goes through the IT company. This model is more scientific, and it is the direction for brokers to conduct online transactions.
28. The securities e-commerce in China has almost kept pace with the development of the Internet industry in China. Starting from 1999, brokers such as Minfa Securities and Hong Kong and Macao SSE began to launch online certificates.
Securities entrusted trading business. Please point out the basic application forms adopted by most online securities in China at present.
1) distributed brokerage business system.
2) Centralized monitoring system.
3) decision support system of securities companies.
4) Distributed securities information system.