第三方支付外文翻譯--bulapay 一個(gè) web 服務(wù)基于南太平洋群島的第三方電子商務(wù)支付系統(tǒng)

1、<p>　　中文4800字，3290單詞</p><p>　　BulaPay 一個(gè) Web 服務(wù)基于南太平洋群島的第三方電子商務(wù)支 付系統(tǒng)</p><p>　　BulaPay - A Web-Service Based Third-Party</p><p>　　Payment System for e-Commerce in South Pacific

2、Islands</p><p>　　作者： Weiqiang Liang，Xiaoling Dai</p><p>　　起止頁(yè)碼：405-409出版日期（期刊號(hào)）：2009 出版單位：iiWAS 2009 Short Papers</p><p><b>　　外文翻譯譯文：</b></p><p>　　摘要：第三方支付系

3、統(tǒng)有潛力提供高容量和低成本的商品，并且為基于網(wǎng)絡(luò)的各種廣泛的應(yīng)用服務(wù)。我們提出一個(gè)新的模式-BulaPay，一個(gè)以線下隊(duì)列為特點(diǎn)的第三方支付協(xié)議，適用于商品繳費(fèi)和服務(wù)。第三方支付系統(tǒng)必須提供一個(gè)安全、高效、靈活、實(shí)用、可靠的環(huán)境是第三方支付系統(tǒng)開(kāi)發(fā)的關(guān)鍵問(wèn)題。因此，為了協(xié)助設(shè)計(jì)基于 Web 的應(yīng)用程序在太平洋地區(qū)合適的第三方支付模型，我們?cè)诒疚闹斜容^和對(duì)比兩種流行的第三方支付模式并且描述了一種新的方案-BulaPay。我們正在開(kāi)發(fā)解決當(dāng)

4、前方案中的缺陷。</p><p>　　關(guān)鍵詞：電子商務(wù)，第三方支付系統(tǒng)，Web服務(wù)，SOAP，XML</p><p><b>　　1.簡(jiǎn)介</b></p><p>　　在線支付系統(tǒng)現(xiàn)在被大多數(shù)電子商務(wù)系統(tǒng)所使用允許消費(fèi)者用來(lái)為商品或服務(wù) 支付，這些通常在消費(fèi)者在為產(chǎn)品或服務(wù)付款前或在產(chǎn)品被郵寄時(shí)使用的信用卡扣款、數(shù)字現(xiàn)金或?qū)崟r(shí)銀行轉(zhuǎn)賬。這樣的系

5、統(tǒng)通常使用復(fù)雜的加密技術(shù)，而且需要與一個(gè)授權(quán)的服務(wù)器通訊請(qǐng)求和確認(rèn)付款。通常確認(rèn)必須在內(nèi)容或商品已經(jīng)提供給消費(fèi)者之前。這種模式適合中低交易量，中高附加值的交易，如 telecard、移動(dòng)充值卡、書籍、食品、辦公文具、家電、玩具低到中量交易等。</p><p>　　ADSL寬帶，無(wú)線寬帶和3G移動(dòng)網(wǎng)絡(luò)服務(wù)通常用于企業(yè)和個(gè)人的權(quán)限，以彌補(bǔ)個(gè)人或課堂上使用的全部或這項(xiàng)工作的一部分?jǐn)?shù)字或硬拷貝的規(guī)定，未經(jīng)批準(zhǔn)收費(fèi)不進(jìn)行復(fù)

6、制或分發(fā)利潤(rùn)或商業(yè)利益，并承擔(dān)本通知的副本，并在第一個(gè)頁(yè)面的完整引文。否則要復(fù)制或再版，張貼在服務(wù)器或重新分配清單，必須事先獲得特別許可和或費(fèi)用。iiWAS2009十二月 14-16 ，2009年 ，吉隆坡 ，馬來(lái)西亞。版權(quán)所有2009ACM 978-1-60558-660-1/09/0012 ... $ 10.00.i 在今天的南太平洋島。島外訪問(wèn)互聯(lián)網(wǎng)通常也是可以的。</p><p>　　表格 1.在斐濟(jì)的在

7、線商店和支付方式</p><p>　　表2.信用卡的優(yōu)勢(shì)和費(fèi)用</p><p>　　相比在世界范圍內(nèi)使用電子商務(wù)和在線支付和在南太平洋島國(guó)例如斐濟(jì)使用電 子商務(wù)和在線支付，南太平洋島國(guó)的電子商務(wù)和在線購(gòu)物行業(yè)仍然處于起步階段。直到 2009 年 3 月，那里只有僅僅存在一點(diǎn)在線商店通過(guò)銀行信用卡，例如萬(wàn)事達(dá)可或維薩卡接受在線支付。一些可以接受的網(wǎng)上商店和相應(yīng)的網(wǎng)上支付的例子在表1 所 列。

8、</p><p>　　當(dāng)?shù)劂y行提供特殊條件下的信用卡美國(guó)運(yùn)通卡，VISA及Master卡。表 2 顯示了當(dāng) 地銀行和信貸條件的卡片。</p><p>　　信用卡在南太平洋地區(qū)不能廣泛地被使用，被歸咎為以下原因：</p><p>　?。╝）嚴(yán)格發(fā)卡條件。申請(qǐng)人必須提供良好的收入證明。年輕公民，自雇主和漁 民或村民沒(méi)有資格申請(qǐng)信用卡。</p><p&

9、gt;　?。╞）高運(yùn)營(yíng)成本。信用卡持有人需支付約$50-$100圓的年費(fèi)。這是一個(gè)非常高的日常開(kāi)支，如購(gòu)買移動(dòng)信貸需要5斐濟(jì)圓或購(gòu)買島內(nèi)音樂(lè)CD需要15斐濟(jì)圓。</p><p>　?。╟）復(fù)雜的支付步驟。該銀行提供了額外的措施，如額外的個(gè)人識(shí)別碼或印刷 矩陣卡，以驗(yàn)證使用者在網(wǎng)上交易時(shí)的身份。許多島民難以操作這些復(fù)雜的操作步驟 完成一筆成功的支付交易。</p><p>　　低成本，高效率的

10、第三方在線支付系統(tǒng)，如貝寶或支付寶，不能在南太平洋島國(guó)地區(qū)使用。由于市場(chǎng)規(guī)模小，非常緩慢的經(jīng)濟(jì)增長(zhǎng)，這些國(guó)際企業(yè)不愿在南太平洋地區(qū)展開(kāi)它們的商務(wù)活動(dòng)。</p><p>　　現(xiàn)實(shí)的需要是南太平洋地區(qū)需要一個(gè)能支持該地區(qū)廣泛展開(kāi)電子商務(wù)活動(dòng)的</p><p>　　第三方支付系統(tǒng)。貝寶和支付寶提供兩個(gè)很好的樣本，以幫助開(kāi)發(fā)一個(gè)適應(yīng)島嶼文化</p><p><b>

11、;　　的第三方支付系統(tǒng)。</b></p><p><b>　　2.第三方支付模式</b></p><p>　　本節(jié)中我們回顧兩個(gè)流行的第三方支付系統(tǒng)，支付寶和貝寶，以便確定他們的關(guān) 鍵優(yōu)勢(shì)和缺陷</p><p><b>　　2.1 支付寶 </b></p><p>　　支付寶，由支付寶有

12、限公司擁有，是一個(gè)在中國(guó)領(lǐng)先的在線支付服務(wù)提供商。它使個(gè)人和企業(yè)能夠安全，方便，快速發(fā)送和接收在線付款。到 2009 年2月20日，支付寶已超過(guò)150萬(wàn)用戶，每天交易額超過(guò)人民幣 700,000,000 元（相當(dāng)于約 1 億美元）。支付寶是一個(gè)基于帳戶支付系統(tǒng)。支付寶結(jié)算通過(guò)支付寶在中國(guó)所有合作銀行的銀行卡，以及信用卡等宏觀收支帳戶。除了銀行卡，支付寶也從 2008 年以來(lái)接受其網(wǎng)絡(luò)合作伙伴的現(xiàn)金存款。它使沒(méi)有銀行帳戶或者沒(méi)有上網(wǎng)的用戶

13、可以將錢存入自己 的支付寶帳戶。因此，每個(gè)人都能在線為商品和服務(wù)支付，通過(guò)線下的資金存款。支付寶在線支付有很大的特點(diǎn)：</p><p>　?。?）接受銀行卡和信用卡通過(guò)線上或先下進(jìn)行資金轉(zhuǎn)賬。</p><p>　?。?）接受網(wǎng)絡(luò)合作伙伴的現(xiàn)金存款。</p><p><b>　?。?）使用方便。</b></p><p>　

14、　（4）透過(guò)支付密碼實(shí)現(xiàn)安全交易。支付寶與淘寶有緊密的合作。當(dāng)一個(gè)客戶在淘寶上購(gòu)買或出售，她/他需要?jiǎng)?chuàng)建一個(gè)支付寶帳戶進(jìn)行交易。當(dāng)客戶的交易，淘寶定向到支付寶進(jìn)行付款，然后更新淘寶支付寶上的付款狀態(tài)。雖然淘寶和支付寶之間的相互作用通過(guò) SSL（安全套接層協(xié) 議），但是也有潛在的危險(xiǎn)：</p><p>　?。?）黑客跟蹤交易，破解授權(quán)的網(wǎng)上商店，然后定向到支付寶付款。</p><p>　?。?/p>

15、2）假命令記錄到支付寶帳戶，但有意的不打算付款處理。支付寶允許用戶轉(zhuǎn)移他們的資金到商業(yè)銀行的賬戶。然而，上述由支付寶上述轉(zhuǎn)提現(xiàn)金服務(wù)在南太平洋地區(qū)不可用，因?yàn)檫@個(gè)地區(qū)沒(méi)有中國(guó)的商業(yè)銀行運(yùn)營(yíng)。 </p><p><b>　　2.2 貝寶</b></p><p>　　貝寶允許付款和資金轉(zhuǎn)移通過(guò)互聯(lián)網(wǎng)提交。貝寶服務(wù)可以作為一個(gè)電子方式替代傳統(tǒng)紙質(zhì)方式，如支票和匯票。<

16、/p><p>　　當(dāng)收到付款或改變交易狀態(tài)時(shí)貝寶使用即時(shí)付款通知來(lái)為電子商務(wù)服務(wù)傳遞交 易數(shù)據(jù)。這意味著電子商務(wù)系統(tǒng)允許貝寶更新記錄。這將產(chǎn)生一個(gè)電子商務(wù)系統(tǒng)的風(fēng)險(xiǎn)，因?yàn)樗蜇悓氶_(kāi)放它的數(shù)據(jù)庫(kù)記錄。在信息被發(fā)送后貝寶需要對(duì)電子商務(wù)系統(tǒng)反應(yīng)并且在四天之內(nèi)貝寶將重新發(fā)送報(bào)告。當(dāng)更多的用戶使用貝寶支付是通常會(huì)增加電子商務(wù)服務(wù)器對(duì)信息發(fā)送反饋的負(fù)載。</p><p>　　貝寶的使用者 U1 可能在 e

17、Bay 通過(guò)與另一個(gè)用戶在 eBay 的用戶名和密碼關(guān)聯(lián)為用戶U2 的購(gòu)物支付和采購(gòu)商品或服務(wù)同時(shí)產(chǎn)生支付，通過(guò)這種方式，U2沒(méi)有貝寶賬戶卻通過(guò) U1 的貝寶暫時(shí)地完成購(gòu)買。</p><p>　　圖 1 在貝寶即時(shí)付款通知</p><p>　　貝寶的強(qiáng)大功能，以支持電子商務(wù)運(yùn)作世界各地，但其服務(wù)不為南太平洋國(guó)家和地區(qū)。島上的居民可能出售在 eBay 或其他在線商店的商品和服務(wù)，并獲得通過(guò)

18、PayPal 支付，但不能在南太平洋本地銀行提款，因?yàn)槭怯韶悓毺峁┤魏畏?wù)。相反，他們?yōu)榱耸褂脟?guó)際信用卡和美國(guó)的銀行賬戶接收其貨款。</p><p>　　2.3BulaPay</p><p>　　我們提出了一個(gè)新的原型叫 BulaPay，允許南太平洋地區(qū)的人民能夠通過(guò)網(wǎng)絡(luò)買 賣商品和服務(wù)。</p><p>　　BulaPay一個(gè)基于保密賬簿的第三方在線支付系統(tǒng)。通過(guò)

19、其他幾個(gè)方面</p><p>　　BulaPay 區(qū)別于其他在線支付系統(tǒng)。</p><p>　?。?）銀行存款和提款本土化服務(wù)</p><p>　　BulaPay 作為一個(gè)當(dāng)?shù)氐碾娮由虅?wù)系統(tǒng)被建立在南太平洋地區(qū)服務(wù)。一個(gè)有或沒(méi) 有銀行賬戶的消費(fèi)者都可以在任意的一個(gè)當(dāng)?shù)劂y行給他的 BulaPay 賬戶存錢。電子店 鋪的擁有者和商人可以擺脫當(dāng)?shù)氐你y行。</p>

20、;<p><b>　?。?）接受現(xiàn)金存款</b></p><p>　　BulaPay 接受通過(guò)網(wǎng)絡(luò)經(jīng)紀(jì)人的現(xiàn)金存款。任何 BulaPay 用戶誰(shuí)擁有帳戶余額都 可以成為一個(gè)經(jīng)紀(jì)人為其他的用戶提供信貸憑單收據(jù)。</p><p>　　在這種方法中，任何人都可以沒(méi)有BulaPay 賬戶卻可以從在線商店購(gòu)買商品和服務(wù)。</p><p>　

21、　帶有BulaPay平衡客戶是允許作為經(jīng)紀(jì)人支付的其他客戶（買方）的名義。付款發(fā)票的數(shù)量和結(jié)算代碼需要處理付款的唯一細(xì)節(jié)。你并不需要一個(gè)網(wǎng)上商店的帳戶，您的資料進(jìn)行購(gòu)買。（3）獨(dú)立于平臺(tái)的 Web 服務(wù)集成</p><p>　　BulaPay 的 Web 服務(wù)在支持組件與電子商務(wù)系統(tǒng)集成在一個(gè)共同的平臺(tái)。常見(jiàn)的 企業(yè)級(jí)的開(kāi)發(fā)語(yǔ)言如 Java，PHP 和 ASP.Net，有完整的 API 支持 Web 服務(wù)開(kāi)發(fā)編輯

22、。</p><p>　　BulaPay 將通過(guò) Web 服務(wù)器與的電子商務(wù)網(wǎng)站進(jìn)行通信。BulaPay 將提供Web服務(wù)接口，以便回應(yīng)網(wǎng)上商店查詢，接受支付指令提出和應(yīng)對(duì)支付指令的狀態(tài)檢查。付款的指令將被加載到上保持隊(duì)列。一個(gè)BulaPay 用戶或經(jīng)紀(jì)，可以處理一個(gè)支付通過(guò)輸入至少6 位的發(fā)票號(hào)碼和校驗(yàn)碼。一個(gè)命令如果等待超過(guò) 30 分鐘就會(huì)被拋棄終止，這將有助于 BulaPay 維持很短的隊(duì)列，并提高系統(tǒng)性能。

23、</p><p><b>　　（4）安全和輕量級(jí)</b></p><p>　　BulaPay 和電子商務(wù)站點(diǎn)間的數(shù)據(jù)交換是通過(guò)基于 XML 的消息傳輸機(jī)制，為服 務(wù)請(qǐng)求和響應(yīng)。BulaPay 將不會(huì)發(fā)布任何數(shù)據(jù)到一個(gè)電子商務(wù)網(wǎng)站，并且也不會(huì)接受 HTTP 發(fā)送和接收。這將最大限度地減少貿(mào)易數(shù)據(jù)交換的安全風(fēng)險(xiǎn)。</p><p>　　在 Web 服

24、務(wù)器，SOAP 由公開(kāi)消息組成，如電子郵件聯(lián)系方式，購(gòu)物車的描述， 數(shù)量等，用戶名和密碼或其他網(wǎng)站的授權(quán)信息將不會(huì)出現(xiàn)。這將防止網(wǎng)絡(luò)監(jiān)聽(tīng)。</p><p>　　該BulaPay不會(huì)儲(chǔ)存購(gòu)物車的數(shù)據(jù)，但只接受和儲(chǔ)存支付和交易狀況。這使得</p><p>　　BulaPay稱為一個(gè)輕量級(jí)的系統(tǒng)來(lái)處理網(wǎng)上付款這一唯一指定的數(shù)據(jù)。一個(gè)用戶在一個(gè)電子商店系統(tǒng)打開(kāi)賬戶。當(dāng)為購(gòu)買商品或服務(wù)付款時(shí)，客戶登

25、錄，然后選擇商品和服務(wù)放置在購(gòu)物車。當(dāng)客戶要求結(jié)算，網(wǎng)上商店系統(tǒng)將發(fā)送一個(gè)SOAP 消息向 BulaPay 索要發(fā)票號(hào)碼。隨著 BulaPay 的反應(yīng)，網(wǎng)上商店附加上發(fā)票號(hào)碼和代碼，然后向 BulaPay 發(fā)送一個(gè)付款命令。</p><p>　　客戶或他的經(jīng)紀(jì)人將登錄到 BulaPay，通過(guò)輸入發(fā)票號(hào)碼和校驗(yàn)碼支付處理支付命令。BulaPay 將通知網(wǎng)上商店老板發(fā)貨。BulaPay 將準(zhǔn)備多個(gè) Web 服務(wù)器，以

26、支持處理在線支付。</p><p>　　（1）響應(yīng)發(fā)票號(hào)碼 - ws1InvoiceNo</p><p>　　BulaPay 會(huì)接受被提供信息是正確的沒(méi)有注冊(cè)的網(wǎng)絡(luò)查詢。為了保護(hù)匿名攻擊， BulaPay 將通過(guò)發(fā)送郵件來(lái)核實(shí)確認(rèn)了 Web 服務(wù)來(lái)源的真實(shí)性。在發(fā)送支付命令前， 網(wǎng)上商店系統(tǒng)被要求通過(guò)發(fā)送類似如下的 SOAP 信息來(lái)收集來(lái)自BulaPay的發(fā)票號(hào) 碼。</p>

27、<p>　　<?xml version=“1.0” encoding=“UTF-8”?></p><p>　　<SOAP-ENV:Envelope></p><p>　　<SOAP-ENV:Body></p><p>　　<eShopSite>www.yoursite.com</eShopSite&

28、gt;</p><p>　　<eShopName>Islander Giftsho p Online</eShopName></p><p>　　<eShopEmail>admin@yoursite.com</eShopEmail></p><p>　　<eShopCartRef>112233456<

29、/eShopCartRef></p><p>　　<eShopCartDesc>Mobile Recharge</eShopCartDesc></p><p>　　<eShopCartAmount>5.00</eShopCartAmount></p><p>　　圖 2.請(qǐng)求發(fā)票號(hào)碼的 SOAP 消息</p

30、><p>　　開(kāi)始當(dāng) BulaPay 收到來(lái)自一個(gè)指定的網(wǎng)上商的 SOAP 消息或電子郵件消息時(shí)，它 會(huì)通過(guò)獲得網(wǎng)上商店的老板電子郵件聯(lián)系方式并且給該電子商務(wù)郵件地址發(fā)送郵件來(lái)分析。在收到確認(rèn)，BulaPay 將確認(rèn)該網(wǎng)上商店是可信的并且直接處理他的所有的請(qǐng)求。</p><p>　　隨著從 BulaPay 發(fā)來(lái)的發(fā)票號(hào)碼的回應(yīng)，網(wǎng)上商店的網(wǎng)站可能發(fā)送一個(gè)如下的支 付命令的 SOAP 消息<

31、;/p><p>　　<?xml version=“1.0” encoding=“UTF-8”?></p><p>　　<SOAP-ENV:Envelope></p><p>　　<SOAP-ENV:Body></p><p>　　<eShopSite>www.yoursite.com</eSh

32、opSite></p><p>　　<eShopName>Islander Giftshop Online</eShopName></p><p>　　<eShopEmail>admin@yoursite.com</eShopEmail></p><p>　　<eShopCartRef>1122334

33、56</eShopCartRef></p><p>　　<eShopCartDesc>Mobile Recharge</eShopCartDesc></p><p>　　<eShopCartAmount>5.00</eShopCartAmount></p><p>　　<eShopCartCurren

34、cy>FJD</eShopCartCurrency></p><p>　　<BulaPayInvoiceNo>20090507130001</BulaPayInvoiceNo></p><p>　　<BulaPayCheckOut>231</BulaPayCheckOut></p><p>　　<

35、;/SOAP-ENV:Body></p><p>　　</SOAP-ENV:Envelope></p><p>　　圖 3.添加發(fā)票號(hào)碼到 SOAP 消息</p><p>　　元素<BulaPayInvoiceNo>從BulaPay封裝響應(yīng)。元素<BulaPayCheckOut>從網(wǎng)上商店的消費(fèi)者處獲得一個(gè)簡(jiǎn)單數(shù)字并且封裝與

36、發(fā)票號(hào)碼同時(shí)工作為消費(fèi)者提供保護(hù)。</p><p>　?。?）支付命令暫存-ws2LodgePO</p><p>　　網(wǎng)絡(luò)服務(wù)器將接受 SOAP 消息，驗(yàn)證其元素的值和綁定持久性 API 來(lái)加載交易細(xì) 節(jié)到 SQL 數(shù)據(jù)庫(kù)。</p><p>　　（3）付款交易狀況查詢-ws3Paystatus網(wǎng)絡(luò)服務(wù)器將響應(yīng)網(wǎng)上支付交易的狀態(tài)。網(wǎng)上商店可能會(huì)收到類似下面的SOAP&

37、lt;/p><p><b>　　消息：</b></p><p>　　<?xml version=“1.0” encoding=“UTF-8”?></p><p>　　<SOAP-ENV:Envelope></p><p>　　<SOAP-ENV:Body></p><p

38、><b>　　……</b></p><p>　　<BulaPayInvoiceNo>20090507130001</BulaPayInvoiceNo></p><p>　　<BulaPayCheckOut>231</BulaPayCheckOut></p><p>　　<BulaPa

39、yPTstatus>Pending</BulaPayPTstatus></p><p>　　<BulaPayPTtime>200905071531</BulaPayPTtime></p><p><b>　　圖 4.交易狀況</b></p><p>　　以指示付款交易狀態(tài)元素的<BulaPayPT

40、status>封裝值，：</p><p>　?。?）暫存–支付命令已經(jīng)被處理并且被接收。</p><p>　　（2）等待–支付已經(jīng)被執(zhí)行，等待交付。</p><p>　?。?）交付-貨物和服務(wù)已交付</p><p>　?。?）完成-客戶已確認(rèn)收到貨物和服務(wù)的支付準(zhǔn)備就緒。該網(wǎng)上商店系統(tǒng)可以解析 SOAP 消息和更新付款交易，然后顯示在網(wǎng)

41、上商店系統(tǒng)。</p><p><b>　　4.結(jié)論</b></p><p>　　這三個(gè)第三方網(wǎng)上支付系統(tǒng)，貝寶，支付寶適合全球使用，Bulapay適合區(qū)域型的電子商務(wù)交易。為了能在在南太平洋群島通過(guò)這樣的系統(tǒng)，我們需要定制其業(yè)務(wù)，以適應(yīng)本地基金存款，轉(zhuǎn)帳和提款以支持地方貿(mào)易協(xié)定，同時(shí)我們還需要經(jīng)濟(jì)可行性的研究，潛在的消費(fèi)者的教育和收入水平。</p>&l

42、t;p>　　表 3 總結(jié)了其中的付款使用的后續(xù)五個(gè)評(píng)價(jià)標(biāo)準(zhǔn)體系的比較：安全性：保護(hù)用戶權(quán)限防止被監(jiān)聽(tīng)。獨(dú)立性：獨(dú)立運(yùn)作，與電子商務(wù)系統(tǒng)分開(kāi)。開(kāi)放標(biāo)準(zhǔn)，如HTTP，Web服務(wù)和基于 XML 的協(xié)議。負(fù)擔(dān)能力：在一個(gè)地區(qū)采用一個(gè)輕量級(jí)的系統(tǒng)，一個(gè)較低的初始投資和運(yùn)行費(fèi)用。 可擴(kuò)展性：多個(gè)基金存款選擇。積性：開(kāi)發(fā)文檔和 API 支持與購(gòu)物車或電子商務(wù)系統(tǒng)的整合。</p><p>　　表 3.比較第三方付款方式&l

43、t;/p><p><b>　　5.總結(jié)</b></p><p>　　現(xiàn)在支持南太平洋地區(qū)電子商務(wù)業(yè)務(wù)的有效的第三方支付系統(tǒng)是一個(gè)成長(zhǎng)的市場(chǎng)。當(dāng)前流行的支付系統(tǒng)，如貝寶和支付寶，沒(méi)有在該地區(qū)實(shí)行。我們已經(jīng)提出了一個(gè)輕便靈活的第三方支付系統(tǒng)“BulaPay”協(xié)議，允許現(xiàn)金存款和資產(chǎn)信用憑證，允許客戶沒(méi)有銀行賬戶。BulaPay采用開(kāi)放的 HTTP和XML為基礎(chǔ)的協(xié)議與任何電子

44、商務(wù)站點(diǎn)進(jìn)行通信交換支付明了和支付狀態(tài)反饋，</p><p>　　我們未來(lái)的研究將側(cè)重于 BulaPay 協(xié)議執(zhí)行開(kāi)源電子商務(wù)系統(tǒng)，使南太平洋人民建立網(wǎng)絡(luò)在線商業(yè)快速發(fā)展南太平洋地區(qū)的經(jīng)濟(jì)。</p><p>　　BulaPay - A Web-Service Based Third-Party PaymentSystem for e-Commerce in South Pacific Is

45、lands</p><p><b>　　ABSTRACT</b></p><p>　　Third-party payment systems have potential to provide high- volume and low-cost goods, and services for a wide variety of web-based applicatio

46、ns. We propose a new model, BulaPay, a third party payment protocol characterized by off-line processing, suitable for charging goods and services. Third-party payment systems must provide a secure, highly efficient, fle

47、xible, usable and reliable environment, the key issues in third-party payment systems development. Therefore, in order to assist in the de</p><p><b>　　Keywords</b></p><p>　　E-commerc

48、e, Third-party payment system, Web services, SOAP, XML</p><p>　　INTRODUCTION</p><p>　　Online-payment systems are used by most E-commerce systems today to allow customer to pay for goods and serv

49、ices. These typically use credit card debiting, digital cash or real-time bank transfers, where a customer pays for products or services before or at the time of delivery [1][2]. Such systems typically use complex encry

50、ption technologies and require communications with an authorization server to request and confirm payment. Usually confirmation must be provided before the content or good</p><p>　　The ADSL broadband, wirel

51、ess broadband and 3G mobile network services are commonly used for businesses and personal</p><p>　　Permission to make digital or hard copies of all or part of this work for personal or classroom use is gran

52、ted without fee provided that copies are not made or distributed for profit or commercial advantage and that copies bear this notice and the full citation on the first page. To copy otherwise, or republish, to post on se

53、rvers or to redistribute to lists, requires prior specific permission and/or a fee.</p><p>　　iiWAS2009, December 14–16, 2009, Kuala Lumpur, Malaysia. Copyright 2009 ACM 978-1-60558-660-1/09/0012...$10.00.&l

54、t;/p><p>　　in the South Pacific Islands today. Access to Internet is also available in outer islands.</p><p>　　Table 1. Online store and payment methods in Fiji</p><p>　　Table 2. Credi

55、t Card eligibility and cost</p><p>　　Compared to international and domestic trade using e-commerce and online payment in world wide, in the South Pacific islands such as Fiji, e-commerce and online shopping

56、industry is still in beginning stages. Until March 2009, there have been only a few existing online stores that accept online payments by bank credit card such as Master Card or Visa. Some examples of such online stores

57、and the corresponding online payments acceptable are list in Table 1.</p><p>　　The local banks provide credit card AMEX, VISA and Master Card under special conditions. Table 2 shows the credit cards provided

58、 by local banks and conditions.</p><p>　　Credit card is not used extensively in South Pacific region due to the following reasons:</p><p>　　Strict card issue conditions. The applican

59、t has to provide evidence of good income.</p><p>　　The youth citizen, the self-employer and fisher or villager do not qualify to apply a credit card.</p><p>　　High operation costs. The credit ca

60、rd holder needs to pay an annual fee about FJD$50 - $100. This is a very high cost for small daily purchases such as buying mobile credit for FJD$5, or buying an island music CD for FJD$15.</p><p>　　Complex

61、payment steps. The bank provides extra measures such as additional PIN or printing matrix card, to verify user identity during online transactions. Many islanders have difficulty in completing these complex steps to make

62、 a successful payment transaction.</p><p>　　Low cost, highly efficient third-party online payment system, such as Paypal [10] or Alipay [11] is not available in South Pacific Islands. Due to the small market

63、 size and very slow economic growth, those International payment vendors unlike to establish their businesses in the South Pacific Islands.</p><p>　　There is a need for a third-party payment system to suppor

64、t e- commerce in the South Pacific region due to the reality. Paypal and Alipay provide two good samples to help the creation of such a payment system that suits the islands culture.</p><p>　　THIRD-PARTY PAY

65、MENT MODELS</p><p>　　In this section we review the key concepts of two popular third- party payment systems, namely Alipay and PayPal, to identifying their key strengths and weaknesses.</p><p>　

66、　2.1 Alipay</p><p>　　Alipay [11][12], owned by Alipay.com Co. Ltd, is a leading online payment service provider in china. It enables individuals and businesses to securely, easily and quickly send and receiv

67、e payments online. By 20 February 2009, Alipay has had more than</p><p>　　150 million users, a daily transaction volume exceeding RMB700 million (equivalent to about US$100 million).</p><p>　　Al

68、ipay is an account-based payment system. It accepts deposits to personal Alipay accounts by bank card from all the leading banks in China, as well as credit card and other macro payments. Besides the bank card, Alipay ha

69、s also accepted cash deposit from its network partners since 2008. It enables a customer without a bank account or no access to internet to deposit money to his/her Alipay account. So everyone is able to purchase online

70、goods and services through offline fund deposit. Alipay ha</p><p>　　Accepts bank cards and credit card deposit through online or offline fund transfer.</p><p>　　Accepts cash deposit via network

71、partners. (3) Be easy to use.</p><p>　　(4) Provides secure transactions through payment passwords.</p><p>　　Alipay is working closely with eShop Taobao[12]. When a customer buy or sell in Taobao

72、, she/he has to create an Alipay account to make transactions. When a customer makes transactions, Taobao redirects to Alipay to process the payment. Alipay then updates Taobao on the status of payment. Although the inte

73、raction between Taobao and Alipay is through SSL (Secure Socket Layer), there are potentials for:</p><p>　　Strict card issue conditions. The applicant has to provide evidence of good income. The youth citize

74、n, the self-employer and fisher or villager do not qualify to apply a credit card.</p><p>　　High operation costs. The credit card holder needs to pay an annual fee about FJD$50 - $100. This is a very high co

75、st for small daily purchases such as buying mobile credit for FJD$5, or buying an island music CD for FJD$15.</p><p>　　Complex payment steps. The bank provides extra measures such as additional PIN or printi

76、ng matrix card, to verify user identity during online transactions. Many islanders have difficulty in completing these complex steps to make a successful payment transaction.</p><p>　　Low cost, highly effici

77、ent third-party online payment system, such as Paypal [10] or Alipay [11] is not available in South Pacific Islands. Due to the small market size and very slow economic growth, those International payment vendors unlike

78、to establish their businesses in the South Pacific Islands.</p><p>　　There is a need for a third-party payment system to support e- commerce in the South Pacific region due to the reality. Paypal and Alipay

79、provide two good samples to help the creation of such a payment system that suits the islands culture.</p><p>　　THIRD-PARTY PAYMENT MODELS</p><p>　　In this section we review the key concepts of

80、two popular third- party payment systems, namely Alipay and PayPal, to identifying their key strengths and weaknesses.</p><p><b>　　Alipay</b></p><p>　　Alipay [11][12], owned by Alipa

81、y.com Co. Ltd, is a leading online payment service provider in china. It enables individuals and businesses to securely, easily and quickly send and receive payments online. By 20 February 2009, Alipay has had more than1

82、50 million users, a daily transaction volume exceeding RMB700 million (equivalent to about US$100 million).</p><p>　　Alipay is an account-based payment system. It accepts deposits to personal Alipay accounts

83、 by bank card from all the leading banks in China, as well as credit card and other</p><p>　　macro payments. Besides the bank card, Alipay has also accepted cash deposit from its network partners since 2008.

84、 It enables a customer without a bank account or no access to internet to deposit money to his/her Alipay account. So everyone is able to purchase online goods and services through offline fund deposit. Alipay has great

85、features for online payment including:</p><p>　　Accepts bank cards and credit card deposit through online or offline fund transfer.</p><p>　　Accepts cash deposit via network partners.</p>

86、<p>　　Be easy to use.</p><p>　　Provides secure transactions through payment passwords.</p><p>　　Alipay is working closely with eShop Taobao[12]. When a customer buy or sell in Taobao, she/

87、he has to create an Alipay account to make transactions. When a customer makes transactions, Taobao redirects to Alipay to process the payment. Alipay then updates Taobao on the status of payment. Although the interactio

88、n between Taobao and Alipay is through SSL (Secure Socket Layer), there are potentials for:</p><p>　　A hacker to track a transaction, hack the authorization to the eShop and then redirect to Alipay to make p

89、ayment.</p><p>　　The fake order is recorded into Alipay account, although the payment is not intended to process.</p><p>　　Alipay allows users to transfer their balances to commercial bank accou

90、nts. However, the above transfer service by Alipay is not available in South Pacific Islands because there are no Chinese commercial banks operating in this region.</p><p><b>　　Paypal</b></p&g

91、t;<p>　　Paypal [10] allows payments and money transfers to be made through the Internet. Paypal serves as an electronic alternative to traditional paper methods such as checks and money orders .</p><p&g

92、t;　　Paypal uses Instant Payment Notification (IPN) to post transaction details to e-commerce server when receiving payment or changing transaction status. It means the e-commerce system allows PayPal to update its record

93、s. This creates a risk to the e-commerce system as it opens its database records to Paypal. Paypal requests a response from e-commerce server after its post and Paypal will resend the notification within four days. This

94、also increases the load to the e-commerce server to respond to t</p><p>　　A Paypal user U1 may pay a purchase in eBay [15] on behalf of another user U2 by logging in with U2’s username and password in e

95、Bay, and purchasing goods or</p><p>　　services and then making payments. In this approach, U2 temporarily makes a purchase without a Paypal account but pays by U1 through PayPal.</p><p&

96、gt;　　Paypal has great features to support the e-commerce operation world wide but its services are not available for South Pacific countries. The islanders may sell goods and services in eBay or other online stores and r

97、eceive payments through Paypal, but is not able to withdrawals in local banks in the South Pacific because there are no services provided by Paypal. Instead they use international credit card and American bank accounts i

98、n order to receive payments for their goods.</p><p><b>　　BULAPAY</b></p><p>　　We present a new prototype called BulaPay that allows people of the South Pacific to sell and buy goods

99、and services on the web.</p><p>　　BulaPay is a secure account-based third-party online payment system. BulaPay differs from the other online payment systems in following aspects:</p><p>　　Locali

100、zes Bank Deposit and Withdrawal Service</p><p>　　BulaPay will be established in the South Pacific to serve as an e- commerce system locally. A customer, with or without a bank account, may deposit to her/his

101、 BulaPay account in any local bank. The eShop keepers and traders can withdraw from the local banks.</p><p>　　Accepts Cash Deposits</p><p>　　BulaPay will accept cash deposits through the broker

102、network. Any BulaPay users who have account balance can become a broker to provide credit vouchers to other users.</p><p>　　In this approach, everyone may buy goods and services from online stores without a

103、BulaPay account.</p><p>　　A customer with BulaPay balance is allowed to act as broker to pay on behalf of another customer (buyer). The payment invoice number and checkout code are the only details required

104、 to process a payment. You do not need an eShop account and your details to make a purchase.</p><p>　　Web Service for Platform-Independent Integration</p><p>　　Web Service components in BulaPay

105、support integrating with e- commerce system on a common platform. The common enterprise system development language such as Java, PHP and ASP.Net has full API support for web service programming.</p><p>　　Bu

106、laPay will communicate with the e-commerce sites through web service. BulaPay will provide web service interface to respond to queries from eShop, accept the payment order lodge and respond to payment order status check.