| Summary: | 碩士 === 國立交通大學 === 資訊管理所 === 90 === In this thesis, the author presents a solution for on-line payment. The solution mimics the paper-check widely used in the brick-and-mortal world. FSTC （Financial Services Technologies Consortium）in the United States has developed a similar solution called e-Check, which utilizes the Financial Service Markup Language （FSML）to describe checks in a digital and exchangeable form. The advisor of this master thesis classified e-Check as one type of electronic check─the Circulation Type; he also outlined a second type─the Centralization Type. Following his thought, the author presents a third type─the Postal-Service Type. In this thesis, the author designs operational procedures for all three types; she also designs the format of digital checks using XML （eXtensible Markup Language）instead of FSML. At the end, she demonstrates a payer’s component for the Centralization Type.
Pros and cons of the three types are discussed. The author, as well as her advisor, believes that the Centralization Type may be more suitable for applications in this society, because the success of the well-known centrally-repository system for securities trading could bring acceptance and trust to the public. Nevertheless, the research here is primitive; further study based on a complete system must be carried out in order to draw conclusions with sufficient evidence.
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