电子商务支付与安全（第5版）

　　教材按照高等职业教育"以服务为宗旨，以就业为导向”的培养目标，通过对电子商务支付与安全的基本概念、基本理论的介绍，以及经典案例的解读，全面系统地阐述了支付和安全在电子商务领域中的应用。 本教材内容共分9个模块，以电子交易与支付为核心，叙述了电子支付工具、网上金融的知识及应用；从电子商务系统的安全角度出发，详细叙述了技术层面的网络安全技术、安全协议与认证的内容，并介绍了电子商务支付的法律保障。 本教材采取模块和任务相结合的编写体例，以每个单元开篇的情景案例对任务进行描述，在任务思考中提出问题，在任务分析中简要解析解决方法和思路，通过相关知识阐述理论知识，最后由课堂讨论、案例分析、实务训练和课后拓展等组成实践训练来检验学习效果和提高学生的动手能力。 本教材既可作为应用本科、高职高专、成人高校电子商务、信息管理、工商管理等专业的教材，又可作为其他从事电子商务活动、网络金融等技术人员的参考用书。

　　臧良运，教授，理学士、管理学硕士。一直从事电子商务、市场营销等专业的教学工作。主编教材有《电子商务支付与安全》（国家规划教材）、《电子商务网站建设》等12部教材。发表国家、省级学术论文20余篇。主持完成国家、省、市多项科研课题。

模块一 电子商务支付与安全概述··········································································.1
第一单元 电子商务支付················································································.2
一、网上支付的产生和发展·······································································.3
二、电子商务支付面临的问题····································································.5
三、网上支付的运行环境··········································································.6
四、网上支付流程···················································································.6
第二单元 电子商务安全················································································.9
一、电子商务面临的安全威胁····································································10
二、电子商务安全要素·············································································12
三、电子商务安全技术·············································································13
四、电子商务安全体系结构·······································································15
五、电子商务安全法律要素·······································································16
第三单元 安全电子商务支付··········································································18
一、电子商务支付的安全问题····································································19
二、安全电子商务支付的途径····································································21
三、安全电子商务支付的意义····································································22
知识小结·····································································································23
练习测试·····································································································24
模块二 电子商务支付系统···················································································25
第一单元 电子商务支付系统概述····································································26
一、电子商务支付系统的构成····································································28
二、电子商务支付系统的功能····································································29
三、电子商务支付系统的安全要求······························································30
四、电子商务支付手段·············································································31
第二单元 电子商务支付系统应用····································································33
一、ATM 系统························································································34
二、POS 系统·························································································36
三、电子汇兑系统···················································································38
四、网上支付系统···················································································39
第三单元 第三方电子商务支付系统与移动支付·················································41
一、银联在线支付平台·············································································42
二、支付宝····························································································43
三、首信易支付······················································································44
四、网银在线·························································································45
五、PayPal·····························································································45
六、快钱·······························································································45
七、财付通····························································································45
八、易宝支付·························································································46
九、移动支付·························································································46
知识小结·····································································································48
练习测试·····································································································48
模块三 电子商务支付工具···················································································50
第一单元 电子货币······················································································51