图书简介:
模块一 电子商务支付与安全概述··········································································.1
第一单元 电子商务支付················································································.2
一、网上支付的产生和发展·······································································.3
二、电子商务支付面临的问题····································································.5
三、网上支付的运行环境··········································································.6
四、网上支付流程···················································································.6
第二单元 电子商务安全················································································.9
一、电子商务面临的安全威胁····································································10
二、电子商务安全要素·············································································12
三、电子商务安全技术·············································································13
四、电子商务安全体系结构·······································································15
五、电子商务安全法律要素·······································································16
第三单元 安全电子商务支付··········································································18
一、电子商务支付的安全问题····································································19
二、安全电子商务支付的途径····································································21
三、安全电子商务支付的意义····································································22
知识小结·····································································································23
练习测试·····································································································24
模块二 电子商务支付系统···················································································25
第一单元 电子商务支付系统概述····································································26
一、电子商务支付系统的构成····································································28
二、电子商务支付系统的功能····································································29
三、电子商务支付系统的安全要求······························································30
四、电子商务支付手段·············································································31
第二单元 电子商务支付系统应用····································································33
一、ATM 系统························································································34
二、POS 系统·························································································36
三、电子汇兑系统···················································································38
四、网上支付系统···················································································39
第三单元 第三方电子商务支付系统与移动支付·················································41
一、银联在线支付平台·············································································42
二、支付宝····························································································43
三、首信易支付······················································································44
四、网银在线·························································································45
五、PayPal·····························································································45
六、快钱·······························································································45
七、财付通····························································································45
八、易宝支付·························································································46
九、移动支付·························································································46
知识小结·····································································································48
练习测试·····································································································48
模块三 电子商务支付工具···················································································50
第一单元 电子货币······················································································51
一、电子货币概述···················································································51
二、电子货币分类···················································································53
三、电子货币的职能与作用·······································································53
四、电子货币的发展现状··········································································54
第二单元 银行卡·························································································56
一、银行卡概述······················································································57
二、信用卡····························································································58
三、借记卡····························································································58
四、金融IC 卡·······················································································58
五、中国银联·························································································59
六、国际信用卡及其发卡组织····································································60
第三单元 网络货币······················································································62
一、信用卡型网络货币·············································································63
二、电子现金·························································································65
三、电子支票·························································································67
四、电子钱包·························································································69
五、微支付····························································································71
知识小结·····································································································73
练习测试·····································································································74
模块四 网络金融·······························································································76
第一单元 网上银行······················································································77
一、网上银行的产生················································································78
二、网上银行的类型················································································79
三、网上银行服务···················································································79
四、网上银行的安全················································································82
第二单元 网上证券······················································································84
一、网上证券交易概述·············································································85
二、网上证券交易模式和系统····································································85
三、网上证券交易的基本方法····································································87
四、网上证券投资的步骤··········································································89
五、网上证券交易的资金支付····································································90
第三单元 网上保险······················································································92
一、网上保险的主要内容··········································································93
二、网上保险系统···················································································95
三、网上保险经营模式·············································································98
第四单元 互联网众筹················································································.101
一、互联网众筹···················································································.102
二、互联网众筹的模式··········································································.102
三、互联网众筹的安全··········································································.104
知识小结··································································································.106
练习测试··································································································.107
模块五 电子商务系统的安全·············································································.108
第一单元 安全问题的产生··········································································.109
一、网络中支付信息的保密性·································································.110
二、网络中支付信息的完整性·································································.111
三、交易信息的不可否认性····································································.111
四、交易双方身份的真实性····································································.111
第二单元 网络攻击···················································································.112
一、计算机病毒···················································································.113
二、口令破解······················································································.116
三、拒绝服务攻击················································································.117
四、网络监听工具················································································.118
第三单元 交易环境的安全性·······································································.120
一、客户机的安全性·············································································.121
二、通信信道的安全性··········································································.121
三、服务器的安全性·············································································.121
四、网上银行和手机银行的安全性···························································.122
知识小结··································································································.124
练习测试··································································································.125
模块六 网上支付安全与加密技术·······································································.126
第一单元 网络安全防范·············································································.127
一、网络安全规划················································································.127
二、防火墙技术···················································································.128
三、计算机病毒的防治与管理·································································.130
四、物理安全控制················································································.132
五、移动端安全解决方案·······································································.133
第二单元 加密技术···················································································.135
一、信息加密原理················································································.137
二、私有密钥密码技术··········································································.138
三、公开密钥密码技术··········································································.138
第三单元 公开密钥基础设施·······································································.140
一、PKI 的组成···················································································.140
二、PKI 的原理和功能··········································································.141
知识小结··································································································.144
练习测试··································································································.144
模块七 数字认证技术······················································································.146
第一单元 数字签名···················································································.147
一、数字签名······················································································.147
二、数字时间戳···················································································.149
第二单元 身份认证与认证技术····································································.151
一、身份认证······················································································.152
二、认证技术······················································································.153
第三单元 数字证书与认证机构····································································.157
一、数字证书的概念·············································································.157
二、数字证书的内容·············································································.158
三、数字证书的安装和使用····································································.159
四、数字证书的类型·············································································.159
五、认证机构······················································································.161
知识小结··································································································.164
练习测试··································································································.164
模块八 电子商务支付安全协议··········································································.166
第一单元 安全协议概述·············································································.167
一、电子商务安全体系··········································································.167
二、HTTP 协议简介··············································································.169
第二单元 安全套接字层·············································································.172
一、安全套接字层概述··········································································.173
二、SSL 工作流程················································································.175
第三单元 安全电子交易协议·······································································.179
一、SET 协议简介················································································.180
二、SET 协议的目标和特点····································································.180
三、SET 安全协议涉及的对象和技术范围·················································.181
四、SET 协议的工作原理·······································································.182
五、SET 协议的不足之处·······································································.183
六、SSL 协议和SET 协议的比较·····························································.184
第四单元 其他电子商务支付协议简介···························································.185
一、Digicash 协议················································································.186
二、First Virtual 协议·············································································.187
三、Netbill 协议···················································································.187
知识小结··································································································.188
练习测试··································································································.188
模块九 电子商务支付与安全的法律保障······························································.190
第一单元 电子商务参与各方的法律关系························································.191
一、电子商务带来的法律问题·································································.192
二、买卖双方当事人的权利和义务···························································.194
三、网络交易中心的法律地位·································································.195
四、关于网站经营者侵权的法律责任························································.196
五、网络交易客户与网上银行间的法律关系···············································.196
六、认证机构在电子商务中的法律地位·····················································.197
第二单元 电子商务交易安全保护法······························································.200
一、联合国对电子商务交易安全的法律保护···············································.201
二、我国对电子商务交易安全的法律保护··················································.207
第三单元 《电子签名法》和《电子商务法》概述·············································.221
一、《电子签名法》概述········································································.222
二、《电子商务法》概述········································································.225
知识小结··································································································.228
练习测试··································································································.229
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《电子商务支付与安全》第1版于2006年1月出版,被评为第一批普通高等教育“十一五”国家规划教材。第2版被评为职业教育“十二五”国家规划教材,第4版被评为职业教育“十三五”国家规划教材。教材的优点是知识技能先后有序、知识积累循序渐进、教学体系严谨,符合当前的职教形势和生源特点。
电子商务的发展日新月异,高等职业教育人才培养方案也发生了很大的变化,课程改革对教材提出了更高的要求。为了适应新形势下电子商务专业的发展要求,《电子商务支付与安全(第5版)》进行了较大的修改。
本教材内容及时反映产业升级和行业发展要求,体现了新知识、新技术、新工艺和新方法,符合《职业院校教材管理办法》和《“十四五”职业教育规划教材建设实施方案》规定的编写要求。除此之外,本教材与前几版以及其他同类教材相比,具有以下四个特点。
1.内容符合高职人才培养方案
教材内容力求体现“以就业为导向,以能力为本位”的精神,注重对学生技能的培养,整合理论知识,合理安排知识点、技能点,注重实训教学,突出对学生实际操作能力和解决问题能力的培养,强化实际工作任务培训,与学生考证相结合。
结合课程内容,增加了“课程思政”栏目。
2.体现了新知识、新技术、新工艺和新方法
教材根据当前电子商务的实际工作的发展和需要进行了调整:原有的模块六与模块七部分内容整合为数字认证技术,补充了移动支付、第三方支付、数字货币、虚拟货币、《电子商务法》等新知识;模块四增加了互联网众筹单元;对于难度太大的内容,如密码技术、安全协议的原理等知识点进行了调整。
教材对部分案例和内容进行了更新,案例、课外拓展、相关链接等内容都采用了二维码链接新技术,便于学生学习。
3.贯彻理论实践一体化的教学思想
教材在内容安排上,将“任务”贯穿始终,通过解决电子商务支付和安全的实际工作问题,讲解理论,培养学生的技能。
(1)体例实用化:每个单元构建了情景案例、任务思考、任务分析、相关知识、相关链接、实践训练等板块;每个模块后有知识小结和练习测试;符合“工学结合”和任务驱动的教学理念。实践训练包括课堂讨论、案例分析、实务训练和课后拓展,即学即用。
(2)任务形象化:情景案例和任务思考的内容都是学生日常遇到的实际问题,能够激发学生的学习兴趣,有利于教师教学的展开,便于学生解决实际工作中的具体问题。
(3)逻辑图表化:本教材运用了大量的图表说明任务的解决方案和流程,减少了文字叙述,具有很强的直观性和可读性。
(4)版式生动化:本教材的版式、插图等新颖、生动,具有良好的视觉效果。
4.配套资源丰富
本教材提供丰富的教学配套资源。为更好地发挥教材的作用,体现以人为本的教育理念,提高学生的学习兴趣,调动学生学习的积极性和主动性,本教材提供了系列配套教学辅助资源(可到华信教育资源网下载)。
(1)提供课程手册,包括教学大纲及教学活动设计,可供教师备课时使用。
(2)制作精致的多媒体电子教案,可在教学时直接使用,也可供教师根据具体需要加以修改,满足多媒体教学的需要。
(3)提供课后练习测试题的参考答案,模拟试卷与参考答案,方便教师选用。
本教材共分9个模块,模块一为电子商务支付与安全概述,模块二为电子商务支付系统,模块三为电子商务支付工具,模块四为网络金融,模块五为电子商务系统的安全,模块六为网上支付安全与加密技术,模块七为数字认证技术,模块八为电子支付安全协议,模块九为电子商务支付与安全的法律保障。
本教材是集体劳动的成果,由多所高校教师共同承担编写任务。本书由臧良运教授担任主编,并负责拟订编写提纲、统稿和定稿;周晓菊、朱甜甜和纪香清任副主编。模块一、模块二由贺州学院臧良运老师编写,模块三、模块四由青岛大学纪香清老师编写,模块五、模块六和模块七由福州理工学院朱甜甜老师编写,模块八、模块九由山西经济管理干部学院周晓菊老师编写。在教材的编写过程中,得到了各位作者所在学校的大力支持,对前几版的作者青岛职业技术学院刘春侠、西安工业学院张娟、黄河水利职业技术学院陈萱老师做出的贡献,一并表示感谢!
本教材在编写过程中参考了大量相关领域的文献,已在书后参考文献中列出,但仍可能有遗漏。在此谨向已标注和未标注的参考文献的作者表示诚挚的谢意。
由于编者水平所限,书中难免出现疏漏和不妥之处,敬请广大读者和专家批评指正。
臧良运
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