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研究生:蔡宜潔
研究生(外文):Yi-Chieh Tsai
論文名稱:探討電信帳單式小額行動付款交易協定
指導教授:林熙禎林熙禎引用關係
學位類別:碩士
校院名稱:國立中央大學
系所名稱:資訊管理研究所
學門:電算機學門
學類:電算機一般學類
論文種類:學術論文
論文出版年:2005
畢業學年度:93
語文別:中文
論文頁數:60
中文關鍵詞:付款安全性電信帳單付款漫遊單晶片模式關鍵字:行動付款
外文關鍵詞:Single ChipKey words: Mobile PaymentPayment SecurityBilling-basedRoaming
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所謂「行動付款」(Mobile Payment)指的是「以行動裝置作為付款工具的一種付款機制」,行動商務的日漸普及,相關業者皆希望能掌握行動商務廣大的商機,擴大行動商務的市場,最主要的關鍵因素就是金流,也就是行動付款系統是否為社會大眾所信任、接受。關於系統便利性方面,主要分成兩個部份,容易使用及容易付款,讓使用者在進行付款流程時不需要複雜的操作及便利的付款方式。其次使用者轉換成本,是使用者是否願意採用行動付款系統的考慮重點,也就是說,付款系統如果需要使用者付出其他的成本,可能會降低使用者的使用意願,所以要發展行動付款系統,採用的付款技術將是考慮的重點。行動付款另一個推行的重點,就是使用者是否能使用行動付款系統買到他們想買的商品,這個問題牽涉到廠商加入行動付款系統的意願,廠商數不足,所以使用場合受限,當然普及率也就無法提升,因此在建置行動付款系統也必須要考慮到相關的建置成本的問題。
本研究探討現有行動付款系統的不足之處,並試圖出一套最適合的行動付款機制,因此提出一個採用電信帳單付款方式、使用單晶片技術並支援安全的漫遊服務之小額行動付款系統。透過安全性、便利性及跨系統付款等功能的設計,使得本系統能達到安全、快速便利及擴大服務範圍等目標。
The so-called Mobile Payment is a mechanism which takes the mobile installation as the paying tool. The mobile commerce is popular gradually. Realizing that, all related service providers desire to handle the great marketplace of the mobile commerce. The payment model is the most crucial factor to expand the marketplace of the mobile commerce. That is to say, how the people trust and accept the system of the mobile payment is the most important factor. When it comes to the aspect of convenience, the discussion can be divided into two parts. One is that people can use it easily; the other is that people can pay for it easily. Mobile payment system should without a complicated procedure for customer to buy products and convenient for people to pay for it. Second, in the aspect of switching costs, the customer might be unwilling to use this system if it would cost him extra money. Therefore, the technique of payment is the main consideration for those who want to develop the system of the mobile payment. The other main point of promoting the mobile payment is user can buy what they want by this system or not. For example, there would be little the Merchants. Therefore, the popularity cannot be promoted because a user can merely use it in little places. Consequently, the issue of the constructing expense should be considered in the process of constructing the system of the mobile payment.
This project aims to deal with those four dimensions, discuss the shortages of the system of mobile payment nowadays, and provide the best system of the mobile payment. Therefore, I bring up a system of the micro payment which is a safe and interoperability service by using the single chip and follow the payment method of the telecom bill. Through its safety, convenience and interoperability payment, this system can achieve the goals of providing safety, efficiency and convenience for people, and expanding its range of service.
目錄

第一章 緒論 1
1.1 研究動機 1
1.2 問題描述 2
1.3 研究目的 4
1.4 研究方法 5
1.5 論文架構 6
第二章 相關研究 7
2.1 行動付款的分類 7
2.2 現有行動付款系統 9
2.2.1 Paybox 9
2.2.2 MobiPay 10
2.2.3 Anonymous Micropayments Authentication(AMA) 11
2.2.4 A Secure Account-based Mobile Payment Protocol 12
2.2.5 中華電信839小額付款 12
2.2.6 現行行動付款系統分析比較 13
2.3 探討使用簡訊傳遞交易訊息之危險性 15
第三章 電信帳單式小額付款交易協定 18
3.1 研究假設 18
3.2 交易參與者 19
3.3 協定安全性設計 19
3.4 漫遊功能設計 21
3.5 符號說明 22
3.6 交易協定 23
第四章 小額付款系統實作 45
4.1 系統流程說明 45
4.2 系統實作環境 46
4.3 系統功能實作 47
4.3.1 使用者手機端程式 47
4.3.2 商家端程式 48
4.3.3 財務服務提供者端程式 49
4.4 效能分析比較 50
4.4.1 整體效能比較 50
4.4.2 執行時間對照 51
4.4.3 攻擊發生可行性分析 53



第五章 結論與未來研究方向 55
5.1 結論 55
5.2 未來研究方向 56
參考文獻 58
中文參考文獻 58
英文參考文獻 59
參考文獻
中文參考文獻
1.台灣大哥大Catch小額付款,http://www.tcc.net.tw
2.台灣國際電子商務中心,“EC 研究報告,解析PayPal 的成功模式”,2002年一月。
3.中華電信行動生活—一摸就迷,http://www.emome.net/cgi-bin/MASP/jsp/ emomeWeb/index.jsp
4.中華電信行動生活—839小額付款,http://www.emome.net/cgi-bin/MASP/jsp/ emomeWeb/index.jsp?uri_id=538331611&com.broadvision.session.new=Yes
5.白順濤,紅進福,李超良,“行動資訊商場之認證與資訊傳遞”,電信研究雙月刊,第127到136頁,2004年四月。
6.交通部電信總局電信相關統計資料,http://www.dgt.gov.tw/chinese/ Data-statistics/data-statistics.shtml#data-2
7.東方線上專業生活型態與消費市場研究顧問,http://www.isurvey.com.tw
8.林祝興,王保利,“一個適用於無線網路環境的安全通道之建立”,東海科學,第81到93頁,2001年七月。
9.許巍瀚:行動付款機制之分析,國立臺灣大學資訊管理研究所碩士論文,民國92 年9 月。
10.陳佳賢,“全球Mobile Payment 發展現況”,電子商務,第12到24頁,2002年九月。
11.陳佳賢,“我國Mobile Payment 發展現況”,電子商務,第13到22頁,2003年二月。
12.黃維中,“Micro Payment及Mobile Payment之探討及實作”,電腦與通訊,第47到51頁,2000年十二月。
13.遠傳電信i-Style小額付款,http://www.istyle.com.tw
14.劉昌龍,“SET 網路安全電子交易”,Internet Pioneer, 1998, P.89-94。
15.魏志強,“行動商務應用研究報告—行動付款發展解析”,網路資訊,第94到98頁,2004年三月。




英文參考文獻
16.Antovski, Ljupco and Marjan Gusev, “M-Payments,” 25th Int. Conf. Information Technology Interfaces ITI, 2003, P.95-100.
17.Blumenthal, Uri, and etal., “A Scheme for Authentication and Dynamic Key Exchange in Wireless Networks,” Bell Labs Technical Journal, 2002, P.37-48.
18.Clarke, Matthew, “M-Payment Technology Will Drive Spending,” Electricnews.net, 2003.
19.Fiat, A. and A. Shamir, “How to prove yourself: Practical solutions to identification and signature problems,” Proc. CRYPTO ’86, Lecture Notes in Computer Science, Spring Verlag, 1985, P.186-194.
20.Horn, G., and Preneel B., “Authentication and Payment in Future Mobile Systems,” Journal of Computer Security, 2000, P.183-207.
21.Hu, Zhi-Yuan, Yao-Wei Liu, Xiao Hu and Jian-Hua Li, “Anonymous Micropayments Authentication (AMA) in Mobile Data Network,” IEEE INFOCOM, ISBN 0-7803-8356-7, 2004.
22.Humin, Gao, Wang Changjie and Wang Yumin, “A Secure Electronic Payment Protocol Based on Bank Account”, International Conference on Info-tech & Info-net Proceedings, 2001, P.30-34.
23.Kohl, J.T., “The Evolution of the Kerberos Authentication Service,” Eruopen Conference Proceedings, 1991, pp.295-313.
24.Kumar, Kuldeep and Jos Van Hillegersberg, “New Architectures for Financial Services,” Communication of The ACM, 2004, P.27-30.
25.Kungoisdan, Supakorn, Bala Srinivasan and Phu Dung Le, “Accountability Logic for Mobile Payment Protocols,” ITCC, 2004, P.40-44.
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27.Lee, C. C., L. H. Li, and M. S. Hwang, “A User Authentication Scheme Using Hash Functions,” ACM Operating System Review, vol. 36, no. 4,2002 ,P. 23-29.
28.Mallat, Nilna, Matti Rossi and Virpi Kristiina Tuunainen, “Mobile Banking Services,” Communications of the ACM, 2004, P.42-46.
29.Me, G., “Payment Security in Mobile Environment,” ACS/IEEE International Conference on Computer Systems and Applications, 2003.
30.Mobile Payment Forum, “Risk and Threats Analysis and Security Best Practices-Mobile 2-Way Messaging Systems,” Mobile Payment Forum, 2003, http://www.mobilepaymentforum.org/.
31.Mobile Payment Forum, “Mobile Payment Forum White Paper – Enabling Secure, Interoperable and User-friendly Mobile Payments,” Mobile Payment Forum, 2002, http://www.mobilepaymentforum.org/.
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38.Suzuki, Shigefusa and Kazuhiko Nakada, “ An Authentication Technique Based on Distributed Security Management for the Global Mobility Network,” IEEE Journal on Selected Areas in Communications, ISBN 0733-8716, 1997.
39.Tracz, R., and Wrona, K., “Fair Electronic Cash Withdrawal and Change Return for Wireless Networks,” Proceedings of the First International Workshop on Mobile Commerce, 2001, P.14-19.
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