Distributed Electronic Payment System Based on Bank Union

摘要

With the development of E-Commerce, Electronic Payment System based on Web has become the researching hotspot. But most of current payment models are based on the single bank, and e-cash is lack of transparency and interoperation generally. Therefore, this paper brings forward a distributed electronic payment system model based on bank union. It adopts a two-level secure architecture to guarantee the security of the payment system and to realize the e-cash's transparency and interoperation. Moreover, on the base of it, we design a distributed payment gateway, and verify the security and performance of the system after its implementation.