In this paper we shall introduce a new electronic payment concept based on the popular direct debit payment model, entitled periodical payments. The direct debit model currently in use online is neither secure nor flexible, and requires a leap of faith by the customer who must trust the merchant to behave honestly. Electronic direct debit request (DDR) forms are not signed by both parties in a binding manner, which means that merchants can change the terms of DDR agreements post-fact. Unsigned DDR agreements give the merchant unprecedented power over customer accounts with little recourse for dispute.
In this paper we shall demonstrate how the use of restricted proxy certificates with cryptographic signatures can be adopted to support a new periodical payment model. A payment policy language is presented that is tailored towards specifying rules that govern precisely how and when merchants can access and transfer funds from customer accounts into their own. Using this model will ensure that mutually signed policies are instantly enforceable on every transaction within a payment period.
There is a fundamental difference between this proposal and other electronic payment schemes. Most such schemes attempt to replicate the features of physical cash such as anonymity, and therefore focus on single payment transactions that simulate cash changing hands. Since direct debit is a popular payment choice, our proposal provides significant improvement to this essentially paper-based payment model that currently does not integrate well in a purely electronic world.
在本文中,我们将介绍基于流行的直接付款模型的新的电子支付概念,有权按期付款。目前使用的直接付款模式的在线既不安全,也不灵活,并且需要谁必须信任商家的行为诚实客户信赖的飞跃。电子直接付款请求(DDR)形式不是由具有约束力的方式双方,这意味着商家可以改变DDR协议的条款后,事实签署。未签名的DDR协议给商家前所未有的力量在客户账户的争端几乎没有追索权。 P>
在本文中,我们将演示如何使用具有加密签名受限代理证书可以采用以支持新的定期支付模式。的支付策略语言呈现的是朝指定管辖正是如何以及何时从客户账户为自己的商家可以访问和转移资金的规则定制。利用该模型将确保双方签署的策略是立即在每笔交易可强制执行的付款周期。 P>
中有此建议与其他电子支付方案的根本区别。大多数这样的方案试图复制的物理现金的功能,如匿名性,因此专注于单一的支付交易模仿现金易手。由于直接付款是一种流行的支付选择,我们的建议提供了显著改善这个主要是基于纸张的支付模式,目前并没有一个纯粹的电子世界中很好地集成。 P>
机译:使用云自助代理服务器基于交易证书的移动支付
机译:代理证书适应基于代理的移动支付系统的不可抵赖协议
机译:代理证书适应基于代理的移动支付系统的不可抵赖协议
机译:使用受限代理证书的定期付款模式
机译:世界银行的支付模式转变:基于结果的支付(按计划进行结果融资)是否真正减少了借款国的腐败现象?
机译:电子付款:使用X.509受限代理证书的定期付款框架
机译:向无证外国人和法律外国人提供的非紧急服务的医疗补助支付限制在德克萨斯州的紧急服务