Research on the Realization of Domestic E-business Online Payment Based on Union-bank
Online payment of E-commerce is the key to realize the integration of information flow,logistics and fund flow,and the collaborative work of each trade entity.Existing online payment modes is difficult to meet the need of the large-scale and individualized e-commerce increasing day by day.especially the trans-bank online payment problem has become the bottlenecks of online payment.This paper proposes a union-bank online payment (UBOP) mode,and analyzed the participants and procedure of this mode,then it introduces the five —layer systematic structure of UBOP mode,analyzes how UBOP mode realize trans-bank online payment with China National Advanced Payment System (CNAPS),and constructs the interface between UBOP platform and CNAPS.Thus resolves the trans-bank online payment problem of domestic E-commerce,and avoids some problems that the third party online payment platform has as its main body status and business scope isnt acknowledged by the law,the prestige of itself is not enough,and the problem of fund in float may cause system risk.
Union-bank Online Payment Systematic Structure Trans-bank Payment Interface Realization
YANG Qifeng TAO Mei
Economics College,Wuhan University of Technology,Wuhan,Hubei,P.R.China,430070
国际会议
2007 International Conference on Management Science and Engineering(2007管理科学与工程国际学术会议)
河南焦作
英文
1670-1677
2007-08-20（万方平台首次上网日期，不代表论文的发表时间）