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
一、电子货币概述···················································································51
二、电子货币分类···················································································53
三、电子货币的职能与作用·······································································53
四、电子货币的发展现状··········································································54
第二单元 银行卡·························································································56
一、银行卡概述······················································································57
二、信用卡····························································································58
三、借记卡····························································································58
四、金融IC 卡·······················································································58
五、中国银联·························································································59
六、国际信用卡及其发卡组织····································································60
第三单元 网络货币······················································································62
一、信用卡型网络货币·············································································63
二、电子现金·························································································65
三、电子支票·························································································67
四、电子钱包·························································································69
五、微支付····························································································71
知识小结·····································································································73
练习测试·····································································································74
模块四 网络金融·······························································································76
第一单元 网上银行······················································································77
一、网上银行的产生················································································78
二、网上银行的类型················································································79
三、网上银行服务···················································································79
四、网上银行的安全················································································82
第二单元 网上证券······················································································84
一、网上证券交易概述·············································································85
二、网上证券交易模式和系统····································································85
三、网上证券交易的基本方法····································································87
四、网上证券投资的步骤··········································································89
五、网上证券交易的资金支付····································································90
第三单元 网上保险······················································································92
一、网上保险的主要内容··········································································93
二、网上保险系统···················································································95
三、网上保险经营模式·············································································98
第四单元 互联网众筹················································································.101
一、互联网众筹···················································································.102
二、互联网众筹的模式··········································································.102
三、互联网众筹的安全··········································································.104
知识小结··································································································.106
练习测试··································································································.107
模块五 电子商务系统的安全·············································································.108
第一单元 安全问题的产生··········································································.109
一、网络中支付信息的保密性·································································.110
二、网络中支付信息的完整性·································································.111
三、交易信息的不可否认性····································································.111
四、交易双方身份的真实性····································································.111
第二单元 网络攻击···················································································.112
一、计算机病毒···················································································.113
二、口令破解······················································································.116
三、拒绝服务攻击················································································.117
四、网络监听工具················································································.118
第三单元 交易环境的安全性·······································································.120
一、客户机的安全性·············································································.121
二、通信信道的安全性··········································································.121
三、服务器的安全性·············································································.121
四、网上银行和手机银行的安全性···························································.122
知识小结··································································································.124
练习测试··································································································.125
模块六 网上支付安全与加密技术·······································································.126
第一单元 网络安全防范·············································································.127
一、网络安全规划················································································.127
二、防火墙技术···················································································.128
三、计算机病毒的防治与管理·································································.130
四、物理安全控制················································································.132
五、移动端安全解决方案·······································································.133
第二单元 加密技术···················································································.135
一、信息加密原理················································································.137
二、私有密钥密码技术··········································································.138
三、公开密钥密码技术··········································································.138
第三单元 公开密钥基础设施·······································································.140
一、PKI 的组成···················································································.140
二、PKI 的原理和功能··········································································.141
知识小结··································································································.144
练习测试··································································································.144
模块七 数字认证技术······················································································.146
第一单元 数字签名···················································································.147
一、数字签名······················································································.147
二、数字时间戳···················································································.149
第二单元 身份认证与认证技术····································································.151
一、身份认证······················································································.152
二、认证技术······················································································.153
第三单元 数字证书与认证机构····································································.157
一、数字证书的概念·············································································.157
二、数字证书的内容·············································································.158
三、数字证书的安装和使用····································································.159
四、数字证书的类型·············································································.159
五、认证机构······················································································.161
知识小结··································································································.164
练习测试··································································································.164
模块八 电子商务支付安全协议··········································································.166
第一单元 安全协议概述·············································································.167
一、电子商务安全体系··········································································.167
二、HTTP 协议简介··············································································.169
第二单元 安全套接字层·············································································.172
一、安全套接字层概述··········································································.173
二、SSL 工作流程················································································.175
第三单元 安全电子交易协议·······································································.179
一、SET 协议简介················································································.180
二、SET 协议的目标和特点····································································.180
三、SET 安全协议涉及的对象和技术范围·················································.181
四、SET 协议的工作原理·······································································.182
五、SET 协议的不足之处·······································································.183
六、SSL 协议和SET 协议的比较·····························································.184
第四单元 其他电子商务支付协议简介···························································.185
一、Digicash 协议················································································.186
二、First Virtual 协议·············································································.187
三、Netbill 协议···················································································.187
知识小结··································································································.188
练习测试··································································································.188
模块九 电子商务支付与安全的法律保障······························································.190
第一单元 电子商务参与各方的法律关系························································.191
一、电子商务带来的法律问题·································································.192
二、买卖双方当事人的权利和义务···························································.194
三、网络交易中心的法律地位·································································.195
四、关于网站经营者侵权的法律责任························································.196
五、网络交易客户与网上银行间的法律关系···············································.196
六、认证机构在电子商务中的法律地位·····················································.197
第二单元 电子商务交易安全保护法······························································.200
一、联合国对电子商务交易安全的法律保护···············································.201
二、我国对电子商务交易安全的法律保护··················································.207
第三单元 《电子签名法》和《电子商务法》概述·············································.221
一、《电子签名法》概述········································································.222
二、《电子商务法》概述········································································.225
知识小结··································································································.228
练习测试··································································································.229