Study on the Electronic Payment Technology in E-Commerce
Along with the rapid development of e-commerce, the traditional payment ways have been unable to meet the demands of electronic transaction currently. In this paper, the electronic payment technology in e-commerce is briefly introduced, the characteristic
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Study on the Electronic Payment Technology in E-Commerce Qidong Wang and Jun Zhu
Abstract Along with the rapid development of e-commerce, the traditional payment ways have been unable to meet the demands of electronic transaction currently. In this paper, the electronic payment technology in e-commerce is briefly introduced, the characteristics of many payment ways are analyzed and also the applications of these payment ways are concluded. Keywords E-commerce
Electronic payment technology
13.1 Introduction E-commerce application system involves a wide range, including buyers and sellers, banks, logistics department, network system, payment gateway, authentication center, and business management department [1, 2]. Figure 13.1 shows the structure of e-commerce application system in the following. In recent years, along with the continuous development of the network technology, the development of the e-commerce is accelerating without a stop. Now, e-commerce is permeating into the daily life of people little by little and also has changed into an indispensable part. Relative to the development of e-commerce, the traditional payment ways have been unable to meet the demands of the online operations of electronic transaction because of the limitation of the face-to-face transaction model [3]. With the purpose of adapting to the development of e-commerce better and meeting the demands of the online operations of electronic transaction, all sorts of Q. Wang (&) J. Zhu Yunyang Teachers’ College, Danjiangkou 442000, China e-mail: [email protected]
Y. Yang and M. Ma (eds.), Proceedings of the 2nd International Conference on Green Communications and Networks 2012 (GCN 2012): Volume 4, Lecture Notes in Electrical Engineering 226, DOI: 10.1007/978-3-642-35440-3_13, Ó Springer-Verlag Berlin Heidelberg 2013
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electronic payment ways are born at the right moment. Because the complex and time-consuming problems of the traditional payment ways are overcome by the electronic payment technology, business transactions become more efficient, secured, etc. Therefore, the role of the electronic payment technology in e-commerce cannot be ignored [4]. Electronic payment actually refers to a payment way in which the traditional payment tools are replaced with electronic data loading specific information for fund flow through electronic computers and network and also with real-time payment effect. Compared with the traditional payment ways, electronic payment ways are to complete the information transmission by relying on the advanced technologies via digital circulation, and all sorts of electronic payment ways are to complete payments through the digital way. What electronic payment uses is the most advanced communication method, and its working environment is based on the Internet which is an open systematic platform. In daily life, the credit cards, debit cards, cell phones, online banking, Alipay and other online payment tools, which are commonly used by us, belong to electronic payment. Electronic paymen
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