教材按照高等職業教育"以服務為宗旨，以就業為導向”的培養目標，通過對電子商務支付與安全的基本概念、基本理論的介紹，以及經典案例的解讀，全面系統地闡述了支付和安全在電子商務領域中的應用。 本教材內容共分9個模塊，以電子交易與支付為核心，敘述了電子支付工具、網上金融的知識及應用；從電子商務系統的安全角度出發，詳細敘述了技術層面的網絡安全技術、安全協議與認證的內容，并介紹了電子商務支付的法律保障。 本教材采取模塊和任務相結合的編寫體例，以每個單元開篇的情景案例對任務進行描述，在任務思考中提出問題，在任務分析中簡要解析解決方法和思路，通過相關知識闡述理論知識，最后由課堂討論、案例分析、實務訓練和課后拓展等組成實踐訓練來檢驗學習效果和提高學生的動手能力。 本教材既可作為應用本科、高職高專、成人高校電子商務、信息管理、工商管理等專業的教材，又可作為其他從事電子商務活動、網絡金融等技術人員的參考用書。
臧良運，教授，理學士、管理學碩士。一直從事電子商務、市場營銷等專業的教學工作。主編教材有《電子商務支付與安全》（國家規劃教材）、《電子商務網站建設》等12部教材。發表國家、省級學術論文20余篇。主持完成國家、省、市多項科研課題。
模塊一 電子商務支付與安全概述··········································································.1
第一單元 電子商務支付················································································.2
一、網上支付的產生和發展·······································································.3
二、電子商務支付面臨的問題····································································.5
三、網上支付的運行環境··········································································.6
四、網上支付流程···················································································.6
第二單元 電子商務安全················································································.9
一、電子商務面臨的安全威脅····································································10
二、電子商務安全要素·············································································12
三、電子商務安全技術·············································································13
四、電子商務安全體系結構·······································································15
五、電子商務安全法律要素·······································································16
第三單元 安全電子商務支付··········································································18
一、電子商務支付的安全問題····································································19
二、安全電子商務支付的途徑····································································21
三、安全電子商務支付的意義····································································22
知識小結·····································································································23
練習測試·····································································································24
模塊二 電子商務支付系統···················································································25
第一單元 電子商務支付系統概述····································································26
一、電子商務支付系統的構成····································································28
二、電子商務支付系統的功能····································································29
三、電子商務支付系統的安全要求······························································30
四、電子商務支付手段·············································································31
第二單元 電子商務支付系統應用····································································33
一、ATM 系統························································································34
二、POS 系統·························································································36
三、電子匯兌系統···················································································38
四、網上支付系統···················································································39
第三單元 第三方電子商務支付系統與移動支付·················································41
一、銀聯在線支付平臺·············································································42
二、支付寶····························································································43
三、首信易支付······················································································44
四、網銀在線·························································································45
五、PayPal·····························································································45
六、快錢·······························································································45
七、財付通····························································································45
八、易寶支付·························································································46
九、移動支付·························································································46
知識小結·····································································································48
練習測試·····································································································48
模塊三 電子商務支付工具···················································································50
第一單元 電子貨幣······················································································51
一、電子貨幣概述···················································································51
二、電子貨幣分類···················································································53
三、電子貨幣的職能與作用·······································································53
四、電子貨幣的發展現狀··········································································54
第二單元 銀行卡·························································································56
一、銀行卡概述······················································································57
二、信用卡····························································································58
三、借記卡····························································································58
四、金融IC 卡·······················································································58
五、中國銀聯·························································································59
六、國際信用卡及其發卡組織····································································60
第三單元 網絡貨幣······················································································62
一、信用卡型網絡貨幣·············································································63
二、電子現金·························································································65
三、電子支票·························································································67
四、電子錢包·························································································69
五、微支付····························································································71
知識小結·····································································································73
練習測試·····································································································74
模塊四 網絡金融·······························································································76
第一單元 網上銀行······················································································77
一、網上銀行的產生················································································78
二、網上銀行的類型················································································79
三、網上銀行服務···················································································79
四、網上銀行的安全················································································82
第二單元 網上證券······················································································84
一、網上證券交易概述·············································································85
二、網上證券交易模式和系統····································································85
三、網上證券交易的基本方法····································································87
四、網上證券投資的步驟··········································································89
五、網上證券交易的資金支付····································································90
第三單元 網上保險······················································································92
一、網上保險的主要內容··········································································93
二、網上保險系統···················································································95
三、網上保險經營模式·············································································98
第四單元 互聯網眾籌················································································.101
一、互聯網眾籌···················································································.102
二、互聯網眾籌的模式··········································································.102
三、互聯網眾籌的安全··········································································.104
知識小結··································································································.106
練習測試··································································································.107
模塊五 電子商務系統的安全·············································································.108
第一單元 安全問題的產生··········································································.109
一、網絡中支付信息的保密性·································································.110
二、網絡中支付信息的完整性·································································.111
三、交易信息的不可否認性····································································.111
四、交易雙方身份的真實性····································································.111
第二單元 網絡攻擊···················································································.112
一、計算機病毒···················································································.113
二、口令破解······················································································.116
三、拒絕服務攻擊················································································.117
四、網絡監聽工具················································································.118
第三單元 交易環境的安全性·······································································.120
一、客戶機的安全性·············································································.121
二、通信信道的安全性··········································································.121
三、服務器的安全性·············································································.121
四、網上銀行和手機銀行的安全性···························································.122
知識小結··································································································.124
練習測試··································································································.125
模塊六 網上支付安全與加密技術·······································································.126
第一單元 網絡安全防范·············································································.127
一、網絡安全規劃················································································.127
二、防火墻技術···················································································.128
三、計算機病毒的防治與管理·································································.130
四、物理安全控制················································································.132
五、移動端安全解決方案·······································································.133
第二單元 加密技術···················································································.135
一、信息加密原理················································································.137
二、私有密鑰密碼技術··········································································.138
三、公開密鑰密碼技術··········································································.138
第三單元 公開密鑰基礎設施·······································································.140
一、PKI 的組成···················································································.140
二、PKI 的原理和功能··········································································.141
知識小結··································································································.144
練習測試··································································································.144
模塊七 數字認證技術······················································································.146
第一單元 數字簽名···················································································.147
一、數字簽名······················································································.147
二、數字時間戳···················································································.149
第二單元 身份認證與認證技術····································································.151
一、身份認證······················································································.152
二、認證技術······················································································.153
第三單元 數字證書與認證機構····································································.157
一、數字證書的概念·············································································.157
二、數字證書的內容·············································································.158
三、數字證書的安裝和使用····································································.159
四、數字證書的類型·············································································.159
五、認證機構······················································································.161
知識小結··································································································.164
練習測試··································································································.164
模塊八 電子商務支付安全協議··········································································.166
第一單元 安全協議概述·············································································.167
一、電子商務安全體系··········································································.167
二、HTTP 協議簡介··············································································.169
第二單元 安全套接字層·············································································.172
一、安全套接字層概述··········································································.173
二、SSL 工作流程················································································.175
第三單元 安全電子交易協議·······································································.179
一、SET 協議簡介················································································.180
二、SET 協議的目標和特點····································································.180
三、SET 安全協議涉及的對象和技術范圍·················································.181
四、SET 協議的工作原理·······································································.182
五、SET 協議的不足之處·······································································.183
六、SSL 協議和SET 協議的比較·····························································.184
第四單元 其他電子商務支付協議簡介···························································.185
一、Digicash 協議················································································.186
二、First Virtual 協議·············································································.187
三、Netbill 協議···················································································.187
知識小結··································································································.188
練習測試··································································································.188
模塊九 電子商務支付與安全的法律保障······························································.190
第一單元 電子商務參與各方的法律關系························································.191
一、電子商務帶來的法律問題·································································.192
二、買賣雙方當事人的權利和義務···························································.194
三、網絡交易中心的法律地位·································································.195
四、關于網站經營者侵權的法律責任························································.196
五、網絡交易客戶與網上銀行間的法律關系···············································.196
六、認證機構在電子商務中的法律地位·····················································.197
第二單元 電子商務交易安全保護法······························································.200
一、聯合國對電子商務交易安全的法律保護···············································.201
二、我國對電子商務交易安全的法律保護··················································.207
第三單元 《電子簽名法》和《電子商務法》概述·············································.221
一、《電子簽名法》概述········································································.222
二、《電子商務法》概述········································································.225
知識小結··································································································.228
練習測試··································································································.229
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