臺灣博碩士論文加值系統

近年來，由於網路的迅速發展，使得電子商務亦隨之快速成長，其中電子化的現金、支票和旅行支票等付款工具因應而生。電子現金因具有無法追蹤使用者身分之特性，因此當遺失電子現金時，持有人需自付責任的情況造成了持有人的困擾。而電子支票及電子旅行支票都必須擁有使用者簽章才能夠生效，因而可以保障使用者的權利。然而現今所使用的電子支票，每使用完後都必須重新向銀行再次申請，對使用者及銀行來說並不是十分有效率。另外，在電子旅行支票中，由於使用者每一次都必須兌換不同大小的面額，當進行消費時，卻往往湊不出正好的面額，這時就存在著找零的問題。
本篇論文考量電子支票和電子旅行支票所面臨的問題，採用電子支票簿的概念，進而設計出一套新的電子支票簿及電子旅行支票系統，銀行可以因此減少計算量，相對地也節省了消費者交易的時間。為了降低他們的負擔，我們提出了銀行核發電子支票簿的方法來解決這個問題。電子旅行支票採用極具效率的單向赫序鏈(Hash chain)之密碼技術，讓使用者可以每次都利用最小的面額，來達到不需要找餘額的功能。

Recently, diversified electronic transactions such as the Electronic Cash (EC), Electronic Check and Electronic Traveler’s Check (ETC) come into existence because of the diffusion of electronic transactions and the boom of the internet. Users are assailed by the characteristic of EC that it cannot track the identification of users. Nonetheless, Electronic Check and ETC could protect the right of users, since they must have the digital signatures of users to be in effect. However, it is not efficient in the recent year for users and banks to reapply ad infinitum after using up the Electronic Check and ETC. Moreover, ETC still has the problems that users have to convert their money into all kinds of face value, and cannot resolve the change trouble. As a matter of fact, the bank just needs to compute the signature once in the delegating phase, and users could attain an Electronic Check book.
In this paper, we consider the problems of Electronic Check and ETC, and borrow the idea from the Check book to design a new system of Electronic Check Book and ETC. In this system, the bank could reduce the computation and the consumer could save the time of bargain. Presupposing the Electronic Check has the characteristic of the traditional check, we advance the method of issuing the e-check book to decrease the burden of banks. And in the ETC, we use the streamlined cryptogrammic technology of Hash chain to solve the change trouble.

誌 謝..............................i
摘 要..............................ii
Abstract............................iii
目 錄..............................iv
圖目錄..............................vi
表目錄..............................vii
第一章 緒論.......................1
1.1研究背景.........................1
1.1.1電子支票.......................1
1.1.2電子旅行支票...................1
1.1.3電子支票與電子旅行支票之比較...2
1.2研究動機.........................3
第二章 相關密碼學理論與技術.......6
2.1單向雜湊函數.....................6
2.2單向赫序鏈.......................6
2.3 RSA數位簽章.....................7
第三章 電子支票簿系統.............9
3.1 先前機制說明....................9
3.1.1回顧 Chen’s方法...............9
3.1.1.1 最初階段....................9
3.1.1.2 授權階段....................9
3.1.1.3 付款階段....................10
3.1.1.4 回存階段....................11
3.1.1.5 小結........................11
3.2 本文所提之電子支票系統.............11
3.2.1 最初階段....................11
3.2.2 授權階段......................12
3.2.3 付款階段......................12
3.2.4 回存階段......................13
3.3 討論及安全分析.....................14
3.3.1正確性.........................14
3.3.2 禁止重覆使用..................14
3.3.3 重新補發......................14
3.3.4 不可偽造電子支票簿............15
3.3.5 不可偽造電子支票.................15
3.3.6 有價值的特性.....................15
第四章 電子旅行支票系統..............16
4.1 先前機制說明.......................16
4.1.1 回顧Hsien’s方法.................16
4.1.1.1 提取階段..........17
4.1.1.2 付款階段..........18
4.1.1.3 回存階段..........19
4.1.1.4 小結..............19
4.1.2 回顧 Liaw’s方法................20
4.1.2.1 註冊階段..........20
4.1.2.2 提取階段..........21
4.1.2.3 付款階段..........22
4.1.2.4 回存階段..........23
4.1.2.5 小結..............24
4.2本文所提之電子旅行支票系統..........24
4.2.1 提取階段......................24
4.2.2 付款階段.........................25
4.2.3 回存階段.........................26
4.3 討論及安全分析................27
4.3.1 正確性..................27
4.3.2 禁止偽造......................27
4.3.3 禁止重覆使用..................27
4.3.4 特定使用者....................27
4.3.5 重新補發......................28
4.3.6 有價值的特性.....................28
第五章 結論..........................30
參考文獻...............................31

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