Research on Online Payment Mode Based On Internet Banking Payment Gateway

Abstract

In order to make online payment mode based on Internet banking payment gateway (IBPG) sever the e-business better, there are important realistic meanings to study its business process, security authentication, interface standard and technical realization. Have described the basic online payment process of this mode; have probed into the realization way of this mode from respects, such as system structure, system function and security authentication process; have analyzed two typical kinds of security authentication schemes: China Finance Certification Authority (CFCA) authentication and banking self-built Certification Authority(CA) authentication; have discussed the advantage of this mode, such as being safety, being swift and defending denying; have analyzed the limitation of this mode from these respects: interface standard, security authentication, payment and business process, data to deposit in his own way and across banking payment obstacle. Point out that online payment mode based on the IBPG can not meet demands of e-business; propose basic thinking of one online payment mode that can solve the limitations of this online payment mode.