降低在途资金风险的TTP方案设计  

Design of the third-party payment to reduce the risk of the remittance funds

作　　者：何鲲[1,2] 李亚平[1] 

机构地区：[1]安徽经济管理干部学院计算机工程系,安徽合肥230059 [2]合肥工业大学管理学院,安徽合肥230009

出　　处：《合肥工业大学学报（自然科学版）》2009年第6期871-875,共5页Journal of Hefei University of Technology：Natural Science

基　　金：安徽省教育厅自然科学基金资助项目(kj2008b147)

摘　　要：文章主要针对网上交易的TTP支付方案中,大量在途资金长时间沉淀于第三方支付平台带来的金融风险问题,设计了一种新的交易流程。该流程通过重新设定参与方、更改请款方式,设计新的基于SET协议的TTP方案,降低传统TTP方案的在途资金风险,并同时改善SET协议中存在的证书反复验证、第三方缺乏公信力等问题。新流程进一步提高了TTP方案与SET协议的有效结合,以及网上交易流程的整体效率。This paper presents a new transaction process in order to solve the problem of online trading program that a large number of remittance funds deposit on the third-party payment platform for a long time. In the process, the participants are reset, the way of squaring the account is changed, and a new TTP program based on the SET protocol is designed to reduce the risk of the remittance funds and remedy the problems of repeatedly verifying of certification and lack of credibility of the third-party. The new process further enhances the incorporation of the TTP program into the SET protocol, and improves the overall efficiency of the online trading process.

关 键 词：SET协议 TTP方案 在途资金 信息流 

分 类 号：F724.6[经济管理—产业经济]