| Summary: | 碩士 === 朝陽科技大學 === 資訊工程系碩士班 === 98 === With the popularization of the Internet, various transactions may now be conducted online, and accordingly, e-commerce has increasingly integral to consumer behavior. Mainly due to the convenience they bring to users, electronic cash and electronic check systems have also become widely accepted by the public. In conducting transactions, buyers no longer must carry large amounts of cash, instead completing them over the Internet.
For this paper, we design a new mobile banking payment system. Unlike electronic cash systems, this system establishes a consumption charging system on bank accounts, obtaining payment directly from consumer deposit accounts. This process simplifies the transactions by eliminating money-to-electronic cash conversion requirements while minimizing calculations performed by the bank. In addition, excess funds from leftover balances in electronic cash accounts may be eliminated.
Electronic checks, on the other hand, were developed to conduct large transactions and dealings that specify payment date. However, existing electronic check systems are neither perfect nor efficient. In this study, we designed an electronic check system which did not impose a prerequisite limit on transactions and allowed the user to specify the check conversion date. Furthermore, we offered electronic checkbook functionalities similar to traditional paper-based checks, allowing users to conduct transactions in a more convenient and flexible manner.
Regarding implementation, the mobile banking payment system and electronic check system that we designed incorporated the backdoor hash function computing technology to reduce modular exponentiation and hash operations required for traditional and digital signatures. Compared to previous studies, our system has better online efficiency, allowing more compatibility with mobile devices and facilitating mobile shopping and consumption.
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