Research And Implementation Of Multiple Payment Methods On Purchasing Website

With the development of computer science and network technology, world has become smaller and sharing of information is getting higher. E-commerce represents the rapid development of the Internet. It grafts traditional commercial patternto the Internet and makes E-commerce a new economic model not only in technology but also in marketing. With the gradually improvement of online trading environment, online payment has become more and more important. Most of transactions in an E-commerce website will associate cash transfer, and many traditional methods of payment, such as pay-in-cash, remittance-pay are limited in time and space, also can’t meet requirements of the Internet. So what we need to do now timesis to implement reliable, secure methods of payment on E-commerce website.Most of E-commerce websitesinvolvefour participants to work together to accomplish a transaction:consumer, seller, online website, and financial institution. As a new business model, Daigou website has become more and more popular in people’s lives. It’s different from regular online shopping websites; it refers to help consumers purchasing goods overseas through domestic website and express them back to China, then charge for a fixed fee.In this paper, we combine PKI/CA (Public Key Infrastructure/Certificate Authority) and demands of Daigou website together to launch an E-commerce platform based on B2C transaction mode, and do a lot of research on realization and safety of multi methods of payment, then simulation implementation of China Bank Payments and Alipay. To sum up, the work of this paper can be summarized as follows:1. Combining PKI/CA system and network technology, we analyze multi methods of payment on current E-commerce websites by learning how they implemented and whether they are secure enough for participants who execute business on the Internet. Finally, we discuss difficulties on achieving APIs from the third platform and give some advices on how to improve the safety of online payment.2. We do a great research on APIs and simulate the whole procedure of China Bank Payments and Alipay on our Daigou Website. We analyze the safety、speed and convenience of MD5which we use for encryption and decryption of information in a transaction. We use SSH framework and PKI to implement APIs from the third platform simulated.E-commerce makes the formation of a unified information flow on the Internet. Payment is the most sensitive part of a transaction. We need to make sure a secure, reliable environment for online payment, so we have to achieve a strong secured online payment tool to enhance the trust on online business, and controltransaction risks. This is essential to the development of E-commerce.