基于互联网的电子支付系统

本介绍了电子支付的发展历史,对基于互联网的两种典型支付模式－－数字现金支付模式和非数字现金支付模式进行比较,探讨不同电子支付方式的安全性、支付效率和支付成本等问题,并对数字现金支付模式中所使用的电子货币与实体现金进行了比较研究。     

论电子支付在当今社会的应用

随着电子商务的飞速发展，作为电子商务重要支持手段的电子支付成为了大家所关注的问题。该文就主要讲述了电子支付的协议模式与安全性，支付工具和手段，存在的问题以及新兴的支付手段。     

美国电子支付基础设施立用比较

本文阐述了美国网络电子货币、电子现金、支付网络及电子支票的内涵及特点,并对其应用进行比较,以期对我国电子支付工具的发展及应用有所启示。     

美国电子支付基础设施应用比较

本文阐述了美国网络电子货币、电子现金、支付网络及电子支票的内涵及特点,并对其应用进行比较,以期对我国电子支付工具的发展及应用有所启示.     

浅谈我国电子商务视角下电子支付的发展现状

随着科技的发展,电子支付、第三方支付等新兴名词逐渐进入了人们的生活,人们已经习惯于使用微信、支付宝等支付工具完成交易。作为网络社会和先进移动终端技术的产物,电子支付能够减少交易环节,降低交易成本,为人们生活提供方便的同时促进经济的发展。但是,作为一种创新的金融行为,电子支付也带来了潜在的金融风险。本文对电子支付的概念、特点、发展现状进行了简要分析,并讨论了电子支付能否替代现金以及电子支付中存在的漏洞。     

我国电子商务中手机支付的产业发展初探

电子商务自出现以来发展势头强劲,网络购物的用户不断增长。与此同时,电子支付工具也得到快速发展,在智能手机出现后,由于手机用户的广泛性,手机移动支付将成为未来发展的主流趋势,具有更广阔的市场。手机支付方便快捷,但是作为一种网络支付方式,却受制于通信网络、标准化和安全性等问题。手机支付产业的良性发展需要政府、金融机构、电信运营商与其它相关机构协作,建立移动支付产业链,为手机用户提供规范安全的支付环境。     

电子支付几种形式的比较

电子支付的形式主要有电子现金、电子钱包、电子支票、智能卡、移动支付等,通过对几种支付形式的比较,从事电子商务活动时不仅可以选择适合的支付形式,而且对支付形式的动向也可以有一个了解.     

电子商务平台支何方式与安全牲研究

基于Intemet的电子商务，需要为数以亿计的购买者和销售者提供在线支付服务。本文通过对新形势下的电子商务平台支付手段的研究，系统介绍了电子支付的发展阶段、电子支付的安全协议、电子支付概念和特点，以及电子支付工具的使用方法。     

电子现金的发展和基本算法研究

随着计算机和网络技术的飞速发展,电子支付变得格外引人注目。目前,Internet上主要的电子支付系统主要有信用卡系统、电子支票系统和电子现金系统。电子现金(E-cash)是一种以电子数据形式存在的现金货币,它能够流通,并被客户和商家普遍接受,可以通过Internet购买商品或服务。本文主要介绍电子现金系统的定义、支付模型、特性,在线和离线的两种基本电子现金支付模式的具体算法。     

关于移动互联网环境下的消费者行为模式分析

随着互联网电子信息技术的发展,便捷的网络构建起了一个"零现金"支付的时代。在消费科技不断进步的同时,消费者行为模式也产生了新的风险,个人信息安全、软件支付等问题不断出现。本文针对移动互联网环境下的消费者行为模式的发展现状、实施特点、主要问题及具体应对策略进行探究,供大家借鉴参考。     

Money in the real and the virtual world: e‐money,c‐money and the demand for cb‐money

Electronic money seems to become a new form of means of payment, not only for the Internet. It therefore will compete with other means of payment as central bank money and credit cards. There is an extensive literature on the technical and security aspects of the several forms of electronic money, but only a few papers on the economic aspects exist. In this paper, a Lancaster approach to the demand for means of payment is employed to scrutinize closer the relationship between electronic money and central bank money and credit cards. It is shown that in a two characteristics world of liquidity (acceptability) and security, there is a place for electronic money. Furthermore, it is shown that at present none of the existing monies has the potential for being a dominant means of payment. However, if the network externality problem of electronic money can be solved, electronic money may supplant the others. This revised version was published online in June 2006 with corrections to the Cover Date.     

延期支付条件下零售商最优支付策略

在延期支付条件下考虑价格折扣的库存模型基础上,进一步考虑通货膨胀对库存系统的影响。通过对一些中小零售商支付情况进行调研分析,建立了货到付款和延期支付两种支付方式下的库存模型,由模型的最优解来确定零售商最优的支付时间。通过算例分析验证了结论,为零售商做出最优支付时间策略提供理论依据。     

基于网络环境下的财务管理的几个重点问题的研究

网络经济的快速发展,给企业参与市场带来了新的机遇,同时对企业传统的财务管理也提出了挑战。传统的支付方式与网络财务发展已不相适应,取而代之的应是新兴的网上支付方式和电子货币;同时,网络环境下要建立与之相配套的高效的集成管理信息系统,以使企业加快对财务信息的处理和利用,提高企业的竞争力;网络财务的诸多优点给企业带来了巨大的商机和财富,也不可避免的引起了一系列的安全问题。     

基金公司拓展电子营销渠道探析

电子商务是基金公司改变依赖传统代销渠道、建立低成本及自主可控的新型营销渠道的有效手段,如何有效拓展基金销售通路、提升基金销售效率是基金公司日益关注的问题。通过基金公司当前网上交易模式的比较与分析,提出基金公司开展电子商务的优势,认为目前制约基金公司电子营销发展的"瓶颈"在于电子支付与结算,并给出基金公司如何有效开展电子商务及提升电子交易业务的若干建议。     

Customer Efficient Electronic Cash Protocols

The technology of electronic cash makes it possible to transmit digital money over communication networks during electronic transactions. Owing to the untraceability and unforgeability properties, electronic cash can protect the privacy of customers and guarantee security of payments in the transactions. This paper introduces a customer-efficient electronic cash protocol where each customer only needs to store 1 coin for w dollars and transmit 1 coin for a w-dollar payment. Compared with traditional electronic cash protocols, the proposed method greatly reduces not only the storage required for the customers, but the communication traffic in the payments as well. Furthermore, the computation cost of each customer in the payment stage is greatly reduced by more than 99% as compared with other storage efficient electronic cash protocols. The proposed protocol is quite suitable for situations where storage and computation capabilities are limited, such as smart-card or mobile environments. In addition, both the problem of money laundering and the unlimited-growth problem of the bank's database, which records all spent coins for double-spending checking, are also considered in the proposed protocol. Especially, our basic idea is independent of the underlying cryptographic primitives such that it can be implemented by any public-key encryption, symmetric encryption, digital signature, and partially blind signature scheme.     

Smart Card-Based Electronic Card Payment Systems in the Transportation Industry

Many products and services will soon be (or are already being) sold over the Internet or other networks. Paying for these with standard methods of payments, such as cash, checks, credit card, or debit card, may be ineffective or inefficient. For such cases, electronic card payment systems are more appropriate. Several things need to be considered when investigating electronic card payment system options, including: customer needs and benefits, developmental and operational cost, corporate benefits, continually changing technologies, critical mass of customers, security, standards of payment systems, and customer perception and comfort with new technologies. In this article, we analyze how smart card-based systems are used in mass transportation. Managers in mass transportation face the following questions: Do you develop your own electronic card payment system, do you wait for multifunctional cards that will be accepted across many industries to provide the functionality required in your market, or do you do nothing. The discussion here concentrates mainly on the transportation industry, where the transactions and payments are made on local area networks.     

股权结构与企业股利政策选择关系:理论与实证分析

本文从公司治理视角出发,以中国上市公司为样本,对股权结构与企业股利政策关系进行了理论与实证分析。结果表明,管理者持股比例、股权集中度(包括第一大股东持股比例)与现金股利支付率显著正相关;国有股比例与现金股利支付率正相关;法人股比例和流通A股比例对现金股利支付率的影响可能是负向的,且极不显著。     

基于PKI的电子商务安全支付平台的研究

电子支付的安全是电子商务发展和应用的技术保障。作者研究了PKI的体系结构,介绍了基于PKI技术的SSL和SET协议在电子商务中的应用,探讨了基于PKI的电子现金系统实现,提出了一个安全的电子商务支付平台实现方案（SEPP）,并对系统架构进行了设计。     

A SUPPLY CHAIN‐ORIENTED APPROACH OF WORKING CAPITAL MANAGEMENT

This article analyzes and illustrates the role of payment terms for working capital improvements in supply chains. So far, research has shown how individual industries and powerful companies were able to enhance their cash‐to‐cash cycles at both their supplier's and customer's expense. From a “network perspective,” the exploitation of individual advantages by a single powerful company lowers the overall financial wealth of the supply chain. Therefore, a collaborative working capital management approach is proposed, by which the cash‐to‐cash cycles of companies with the lowest weighted average cost of capital (WACC) should be extended, while companies with higher financing costs are relieved by a shortened cash‐to‐cash cycle. An unequal distribution of power, however, between supply chain members can be the main hindrance for developing a collaborative working capital management solution.