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| 在央行新支付管理办法下的电子商务信用机制研究 | |
| 引用本文： | 陈娟娟,汪成亮,钟斌,乔鹤松.在央行新支付管理办法下的电子商务信用机制研究[J].价值工程,2011,30(4):126-128. |
| 作者姓名： | 陈娟娟 汪成亮 钟斌 乔鹤松 |
| 作者单位： | 1. 重庆师范大学计算机与信息科学学院,重庆,401331 2. 重庆大学计算机学院,重庆,400044 3. 重庆市公众城市一卡通中心,重庆,401121 |
| 基金项目： | 重庆市软科学计划项目，国家自然科学基金 |
| 摘 要： | 近期中国人民银行发布了《非金融机构支付服务管理办法》,办法对从事网络支付等与电子商务支付相关的服务企业作出了相应的规范要求,这必将对电子商务信用体系带来新的建设思路。本文通过对人民银行新支付管理办法的解读,通过对已有的电子支付和预付卡的交易模型的分析,探讨了在该办法体系下的电子商务信用的建设机制,提出了运用支付服务实现信用机制的方法,并基于该方法给出了实现信用评价的模型,通过在重庆市公众城市一卡通中心的实际运行,验证了模型的合理性。 |
| 关 键 词： | 支付服务 信用体系 电子商务 第三方支付 |
The Research of E-commerce Credit System Mechanism Under the People's Bank of China New E-Payment Regulations |
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| Chen Juanjuan,Wang Chengliang,Zhong Bin,Qiao Hesong.The Research of E-commerce Credit System Mechanism Under the People's Bank of China New E-Payment Regulations[J].Value Engineering,2011,30(4):126-128. | |
| Authors: | Chen Juanjuan Wang Chengliang Zhong Bin Qiao Hesong |
| Institution: | ① Chen Juanjuan;② Wang Chengliang;③ Zhong Bin;② Qiao Hesong(①College of Computer and Information Science,Chongqing Normal University,Chongqing 401331,China;②College of Computer Science & Engineering,Chongqing University,Chongqing 400044,China;③Chongqing Public E-Card Center,Chongqing 401121,China) |
| Abstract: | Recently,People＇s Bank of China issued The Payment Services Regulations for Non-financial Institutions,which standardize business related to E-commerce payment.Those rules and regulations will help to build a brand new E-commerce credit system in China.Based on the analysis of these new control regulations and existing e-payment and prepaid card system,this paper analyzed the mechanism of building E-commerce credit system under these regulations,and put forward a method of credit system construction based on payment service and then developed a model.Finally this model was successfully validated in Chongqing Public E-Card Center. |
| Keywords: | payment service credit system E-Commerce third-party payment |
| 本文献已被 CNKI 维普 万方数据 等数据库收录！ | |