第三方支付外文翻譯--bulapay 一個 web 服務基于南太平洋群島的第三方電子商務支付系統(tǒng)

1、<p>　　中文4800字，3290單詞</p><p>　　BulaPay 一個 Web 服務基于南太平洋群島的第三方電子商務支 付系統(tǒng)</p><p>　　BulaPay - A Web-Service Based Third-Party</p><p>　　Payment System for e-Commerce in South Pacific

2、Islands</p><p>　　作者： Weiqiang Liang，Xiaoling Dai</p><p>　　起止頁碼：405-409出版日期（期刊號）：2009 出版單位：iiWAS 2009 Short Papers</p><p><b>　　外文翻譯譯文：</b></p><p>　　摘要：第三方支付系

3、統(tǒng)有潛力提供高容量和低成本的商品，并且為基于網(wǎng)絡的各種廣泛的應用服務。我們提出一個新的模式-BulaPay，一個以線下隊列為特點的第三方支付協(xié)議，適用于商品繳費和服務。第三方支付系統(tǒng)必須提供一個安全、高效、靈活、實用、可靠的環(huán)境是第三方支付系統(tǒng)開發(fā)的關鍵問題。因此，為了協(xié)助設計基于 Web 的應用程序在太平洋地區(qū)合適的第三方支付模型，我們在本文中比較和對比兩種流行的第三方支付模式并且描述了一種新的方案-BulaPay。我們正在開發(fā)解決當

4、前方案中的缺陷。</p><p>　　關鍵詞：電子商務，第三方支付系統(tǒng)，Web服務，SOAP，XML</p><p><b>　　1.簡介</b></p><p>　　在線支付系統(tǒng)現(xiàn)在被大多數(shù)電子商務系統(tǒng)所使用允許消費者用來為商品或服務 支付，這些通常在消費者在為產(chǎn)品或服務付款前或在產(chǎn)品被郵寄時使用的信用卡扣款、數(shù)字現(xiàn)金或實時銀行轉賬。這樣的系

5、統(tǒng)通常使用復雜的加密技術，而且需要與一個授權的服務器通訊請求和確認付款。通常確認必須在內(nèi)容或商品已經(jīng)提供給消費者之前。這種模式適合中低交易量，中高附加值的交易，如 telecard、移動充值卡、書籍、食品、辦公文具、家電、玩具低到中量交易等。</p><p>　　ADSL寬帶，無線寬帶和3G移動網(wǎng)絡服務通常用于企業(yè)和個人的權限，以彌補個人或課堂上使用的全部或這項工作的一部分數(shù)字或硬拷貝的規(guī)定，未經(jīng)批準收費不進行復

6、制或分發(fā)利潤或商業(yè)利益，并承擔本通知的副本，并在第一個頁面的完整引文。否則要復制或再版，張貼在服務器或重新分配清單，必須事先獲得特別許可和或費用。iiWAS2009十二月 14-16 ，2009年 ，吉隆坡 ，馬來西亞。版權所有2009ACM 978-1-60558-660-1/09/0012 ... $ 10.00.i 在今天的南太平洋島。島外訪問互聯(lián)網(wǎng)通常也是可以的。</p><p>　　表格 1.在斐濟的在

7、線商店和支付方式</p><p>　　表2.信用卡的優(yōu)勢和費用</p><p>　　相比在世界范圍內(nèi)使用電子商務和在線支付和在南太平洋島國例如斐濟使用電 子商務和在線支付，南太平洋島國的電子商務和在線購物行業(yè)仍然處于起步階段。直到 2009 年 3 月，那里只有僅僅存在一點在線商店通過銀行信用卡，例如萬事達可或維薩卡接受在線支付。一些可以接受的網(wǎng)上商店和相應的網(wǎng)上支付的例子在表1 所 列。

8、</p><p>　　當?shù)劂y行提供特殊條件下的信用卡美國運通卡，VISA及Master卡。表 2 顯示了當 地銀行和信貸條件的卡片。</p><p>　　信用卡在南太平洋地區(qū)不能廣泛地被使用，被歸咎為以下原因：</p><p>　?。╝）嚴格發(fā)卡條件。申請人必須提供良好的收入證明。年輕公民，自雇主和漁 民或村民沒有資格申請信用卡。</p><p&

9、gt;　　（b）高運營成本。信用卡持有人需支付約$50-$100圓的年費。這是一個非常高的日常開支，如購買移動信貸需要5斐濟圓或購買島內(nèi)音樂CD需要15斐濟圓。</p><p>　?。╟）復雜的支付步驟。該銀行提供了額外的措施，如額外的個人識別碼或印刷 矩陣卡，以驗證使用者在網(wǎng)上交易時的身份。許多島民難以操作這些復雜的操作步驟 完成一筆成功的支付交易。</p><p>　　低成本，高效率的

10、第三方在線支付系統(tǒng)，如貝寶或支付寶，不能在南太平洋島國地區(qū)使用。由于市場規(guī)模小，非常緩慢的經(jīng)濟增長，這些國際企業(yè)不愿在南太平洋地區(qū)展開它們的商務活動。</p><p>　　現(xiàn)實的需要是南太平洋地區(qū)需要一個能支持該地區(qū)廣泛展開電子商務活動的</p><p>　　第三方支付系統(tǒng)。貝寶和支付寶提供兩個很好的樣本，以幫助開發(fā)一個適應島嶼文化</p><p><b>

11、;　　的第三方支付系統(tǒng)。</b></p><p><b>　　2.第三方支付模式</b></p><p>　　本節(jié)中我們回顧兩個流行的第三方支付系統(tǒng)，支付寶和貝寶，以便確定他們的關 鍵優(yōu)勢和缺陷</p><p><b>　　2.1 支付寶 </b></p><p>　　支付寶，由支付寶有

12、限公司擁有，是一個在中國領先的在線支付服務提供商。它使個人和企業(yè)能夠安全，方便，快速發(fā)送和接收在線付款。到 2009 年2月20日，支付寶已超過150萬用戶，每天交易額超過人民幣 700,000,000 元（相當于約 1 億美元）。支付寶是一個基于帳戶支付系統(tǒng)。支付寶結算通過支付寶在中國所有合作銀行的銀行卡，以及信用卡等宏觀收支帳戶。除了銀行卡，支付寶也從 2008 年以來接受其網(wǎng)絡合作伙伴的現(xiàn)金存款。它使沒有銀行帳戶或者沒有上網(wǎng)的用戶

13、可以將錢存入自己 的支付寶帳戶。因此，每個人都能在線為商品和服務支付，通過線下的資金存款。支付寶在線支付有很大的特點：</p><p>　?。?）接受銀行卡和信用卡通過線上或先下進行資金轉賬。</p><p>　　（2）接受網(wǎng)絡合作伙伴的現(xiàn)金存款。</p><p><b>　?。?）使用方便。</b></p><p>　

14、?。?）透過支付密碼實現(xiàn)安全交易。支付寶與淘寶有緊密的合作。當一個客戶在淘寶上購買或出售，她/他需要創(chuàng)建一個支付寶帳戶進行交易。當客戶的交易，淘寶定向到支付寶進行付款，然后更新淘寶支付寶上的付款狀態(tài)。雖然淘寶和支付寶之間的相互作用通過 SSL（安全套接層協(xié) 議），但是也有潛在的危險：</p><p>　?。?）黑客跟蹤交易，破解授權的網(wǎng)上商店，然后定向到支付寶付款。</p><p>　?。?/p>

15、2）假命令記錄到支付寶帳戶，但有意的不打算付款處理。支付寶允許用戶轉移他們的資金到商業(yè)銀行的賬戶。然而，上述由支付寶上述轉提現(xiàn)金服務在南太平洋地區(qū)不可用，因為這個地區(qū)沒有中國的商業(yè)銀行運營。 </p><p><b>　　2.2 貝寶</b></p><p>　　貝寶允許付款和資金轉移通過互聯(lián)網(wǎng)提交。貝寶服務可以作為一個電子方式替代傳統(tǒng)紙質方式，如支票和匯票。<

16、/p><p>　　當收到付款或改變交易狀態(tài)時貝寶使用即時付款通知來為電子商務服務傳遞交 易數(shù)據(jù)。這意味著電子商務系統(tǒng)允許貝寶更新記錄。這將產(chǎn)生一個電子商務系統(tǒng)的風險，因為它向貝寶開放它的數(shù)據(jù)庫記錄。在信息被發(fā)送后貝寶需要對電子商務系統(tǒng)反應并且在四天之內(nèi)貝寶將重新發(fā)送報告。當更多的用戶使用貝寶支付是通常會增加電子商務服務器對信息發(fā)送反饋的負載。</p><p>　　貝寶的使用者 U1 可能在 e

17、Bay 通過與另一個用戶在 eBay 的用戶名和密碼關聯(lián)為用戶U2 的購物支付和采購商品或服務同時產(chǎn)生支付，通過這種方式，U2沒有貝寶賬戶卻通過 U1 的貝寶暫時地完成購買。</p><p>　　圖 1 在貝寶即時付款通知</p><p>　　貝寶的強大功能，以支持電子商務運作世界各地，但其服務不為南太平洋國家和地區(qū)。島上的居民可能出售在 eBay 或其他在線商店的商品和服務，并獲得通過

18、PayPal 支付，但不能在南太平洋本地銀行提款，因為是由貝寶提供任何服務。相反，他們?yōu)榱耸褂脟H信用卡和美國的銀行賬戶接收其貨款。</p><p>　　2.3BulaPay</p><p>　　我們提出了一個新的原型叫 BulaPay，允許南太平洋地區(qū)的人民能夠通過網(wǎng)絡買 賣商品和服務。</p><p>　　BulaPay一個基于保密賬簿的第三方在線支付系統(tǒng)。通過

19、其他幾個方面</p><p>　　BulaPay 區(qū)別于其他在線支付系統(tǒng)。</p><p>　?。?）銀行存款和提款本土化服務</p><p>　　BulaPay 作為一個當?shù)氐碾娮由虅障到y(tǒng)被建立在南太平洋地區(qū)服務。一個有或沒 有銀行賬戶的消費者都可以在任意的一個當?shù)劂y行給他的 BulaPay 賬戶存錢。電子店 鋪的擁有者和商人可以擺脫當?shù)氐你y行。</p>

20、;<p><b>　?。?）接受現(xiàn)金存款</b></p><p>　　BulaPay 接受通過網(wǎng)絡經(jīng)紀人的現(xiàn)金存款。任何 BulaPay 用戶誰擁有帳戶余額都 可以成為一個經(jīng)紀人為其他的用戶提供信貸憑單收據(jù)。</p><p>　　在這種方法中，任何人都可以沒有BulaPay 賬戶卻可以從在線商店購買商品和服務。</p><p>　

21、　帶有BulaPay平衡客戶是允許作為經(jīng)紀人支付的其他客戶（買方）的名義。付款發(fā)票的數(shù)量和結算代碼需要處理付款的唯一細節(jié)。你并不需要一個網(wǎng)上商店的帳戶，您的資料進行購買。（3）獨立于平臺的 Web 服務集成</p><p>　　BulaPay 的 Web 服務在支持組件與電子商務系統(tǒng)集成在一個共同的平臺。常見的 企業(yè)級的開發(fā)語言如 Java，PHP 和 ASP.Net，有完整的 API 支持 Web 服務開發(fā)編輯

22、。</p><p>　　BulaPay 將通過 Web 服務器與的電子商務網(wǎng)站進行通信。BulaPay 將提供Web服務接口，以便回應網(wǎng)上商店查詢，接受支付指令提出和應對支付指令的狀態(tài)檢查。付款的指令將被加載到上保持隊列。一個BulaPay 用戶或經(jīng)紀，可以處理一個支付通過輸入至少6 位的發(fā)票號碼和校驗碼。一個命令如果等待超過 30 分鐘就會被拋棄終止，這將有助于 BulaPay 維持很短的隊列，并提高系統(tǒng)性能。

23、</p><p><b>　?。?）安全和輕量級</b></p><p>　　BulaPay 和電子商務站點間的數(shù)據(jù)交換是通過基于 XML 的消息傳輸機制，為服 務請求和響應。BulaPay 將不會發(fā)布任何數(shù)據(jù)到一個電子商務網(wǎng)站，并且也不會接受 HTTP 發(fā)送和接收。這將最大限度地減少貿(mào)易數(shù)據(jù)交換的安全風險。</p><p>　　在 Web 服

24、務器，SOAP 由公開消息組成，如電子郵件聯(lián)系方式，購物車的描述， 數(shù)量等，用戶名和密碼或其他網(wǎng)站的授權信息將不會出現(xiàn)。這將防止網(wǎng)絡監(jiān)聽。</p><p>　　該BulaPay不會儲存購物車的數(shù)據(jù)，但只接受和儲存支付和交易狀況。這使得</p><p>　　BulaPay稱為一個輕量級的系統(tǒng)來處理網(wǎng)上付款這一唯一指定的數(shù)據(jù)。一個用戶在一個電子商店系統(tǒng)打開賬戶。當為購買商品或服務付款時，客戶登

25、錄，然后選擇商品和服務放置在購物車。當客戶要求結算，網(wǎng)上商店系統(tǒng)將發(fā)送一個SOAP 消息向 BulaPay 索要發(fā)票號碼。隨著 BulaPay 的反應，網(wǎng)上商店附加上發(fā)票號碼和代碼，然后向 BulaPay 發(fā)送一個付款命令。</p><p>　　客戶或他的經(jīng)紀人將登錄到 BulaPay，通過輸入發(fā)票號碼和校驗碼支付處理支付命令。BulaPay 將通知網(wǎng)上商店老板發(fā)貨。BulaPay 將準備多個 Web 服務器，以

26、支持處理在線支付。</p><p>　?。?）響應發(fā)票號碼 - ws1InvoiceNo</p><p>　　BulaPay 會接受被提供信息是正確的沒有注冊的網(wǎng)絡查詢。為了保護匿名攻擊， BulaPay 將通過發(fā)送郵件來核實確認了 Web 服務來源的真實性。在發(fā)送支付命令前， 網(wǎng)上商店系統(tǒng)被要求通過發(fā)送類似如下的 SOAP 信息來收集來自BulaPay的發(fā)票號 碼。</p>

27、<p>　　<?xml version=“1.0” encoding=“UTF-8”?></p><p>　　<SOAP-ENV:Envelope></p><p>　　<SOAP-ENV:Body></p><p>　　<eShopSite>www.yoursite.com</eShopSite&

28、gt;</p><p>　　<eShopName>Islander Giftsho p Online</eShopName></p><p>　　<eShopEmail>admin@yoursite.com</eShopEmail></p><p>　　<eShopCartRef>112233456<

29、/eShopCartRef></p><p>　　<eShopCartDesc>Mobile Recharge</eShopCartDesc></p><p>　　<eShopCartAmount>5.00</eShopCartAmount></p><p>　　圖 2.請求發(fā)票號碼的 SOAP 消息</p

30、><p>　　開始當 BulaPay 收到來自一個指定的網(wǎng)上商的 SOAP 消息或電子郵件消息時，它 會通過獲得網(wǎng)上商店的老板電子郵件聯(lián)系方式并且給該電子商務郵件地址發(fā)送郵件來分析。在收到確認，BulaPay 將確認該網(wǎng)上商店是可信的并且直接處理他的所有的請求。</p><p>　　隨著從 BulaPay 發(fā)來的發(fā)票號碼的回應，網(wǎng)上商店的網(wǎng)站可能發(fā)送一個如下的支 付命令的 SOAP 消息<

31、;/p><p>　　<?xml version=“1.0” encoding=“UTF-8”?></p><p>　　<SOAP-ENV:Envelope></p><p>　　<SOAP-ENV:Body></p><p>　　<eShopSite>www.yoursite.com</eSh

32、opSite></p><p>　　<eShopName>Islander Giftshop Online</eShopName></p><p>　　<eShopEmail>admin@yoursite.com</eShopEmail></p><p>　　<eShopCartRef>1122334

33、56</eShopCartRef></p><p>　　<eShopCartDesc>Mobile Recharge</eShopCartDesc></p><p>　　<eShopCartAmount>5.00</eShopCartAmount></p><p>　　<eShopCartCurren

34、cy>FJD</eShopCartCurrency></p><p>　　<BulaPayInvoiceNo>20090507130001</BulaPayInvoiceNo></p><p>　　<BulaPayCheckOut>231</BulaPayCheckOut></p><p>　　<

35、;/SOAP-ENV:Body></p><p>　　</SOAP-ENV:Envelope></p><p>　　圖 3.添加發(fā)票號碼到 SOAP 消息</p><p>　　元素<BulaPayInvoiceNo>從BulaPay封裝響應。元素<BulaPayCheckOut>從網(wǎng)上商店的消費者處獲得一個簡單數(shù)字并且封裝與

36、發(fā)票號碼同時工作為消費者提供保護。</p><p>　?。?）支付命令暫存-ws2LodgePO</p><p>　　網(wǎng)絡服務器將接受 SOAP 消息，驗證其元素的值和綁定持久性 API 來加載交易細 節(jié)到 SQL 數(shù)據(jù)庫。</p><p>　?。?）付款交易狀況查詢-ws3Paystatus網(wǎng)絡服務器將響應網(wǎng)上支付交易的狀態(tài)。網(wǎng)上商店可能會收到類似下面的SOAP&

37、lt;/p><p><b>　　消息：</b></p><p>　　<?xml version=“1.0” encoding=“UTF-8”?></p><p>　　<SOAP-ENV:Envelope></p><p>　　<SOAP-ENV:Body></p><p

38、><b>　　……</b></p><p>　　<BulaPayInvoiceNo>20090507130001</BulaPayInvoiceNo></p><p>　　<BulaPayCheckOut>231</BulaPayCheckOut></p><p>　　<BulaPa

39、yPTstatus>Pending</BulaPayPTstatus></p><p>　　<BulaPayPTtime>200905071531</BulaPayPTtime></p><p><b>　　圖 4.交易狀況</b></p><p>　　以指示付款交易狀態(tài)元素的<BulaPayPT

40、status>封裝值，：</p><p>　　（1）暫存–支付命令已經(jīng)被處理并且被接收。</p><p>　?。?）等待–支付已經(jīng)被執(zhí)行，等待交付。</p><p>　?。?）交付-貨物和服務已交付</p><p>　?。?）完成-客戶已確認收到貨物和服務的支付準備就緒。該網(wǎng)上商店系統(tǒng)可以解析 SOAP 消息和更新付款交易，然后顯示在網(wǎng)

41、上商店系統(tǒng)。</p><p><b>　　4.結論</b></p><p>　　這三個第三方網(wǎng)上支付系統(tǒng)，貝寶，支付寶適合全球使用，Bulapay適合區(qū)域型的電子商務交易。為了能在在南太平洋群島通過這樣的系統(tǒng)，我們需要定制其業(yè)務，以適應本地基金存款，轉帳和提款以支持地方貿(mào)易協(xié)定，同時我們還需要經(jīng)濟可行性的研究，潛在的消費者的教育和收入水平。</p>&l

42、t;p>　　表 3 總結了其中的付款使用的后續(xù)五個評價標準體系的比較：安全性：保護用戶權限防止被監(jiān)聽。獨立性：獨立運作，與電子商務系統(tǒng)分開。開放標準，如HTTP，Web服務和基于 XML 的協(xié)議。負擔能力：在一個地區(qū)采用一個輕量級的系統(tǒng)，一個較低的初始投資和運行費用。 可擴展性：多個基金存款選擇。積性：開發(fā)文檔和 API 支持與購物車或電子商務系統(tǒng)的整合。</p><p>　　表 3.比較第三方付款方式&l

43、t;/p><p><b>　　5.總結</b></p><p>　　現(xiàn)在支持南太平洋地區(qū)電子商務業(yè)務的有效的第三方支付系統(tǒng)是一個成長的市場。當前流行的支付系統(tǒng)，如貝寶和支付寶，沒有在該地區(qū)實行。我們已經(jīng)提出了一個輕便靈活的第三方支付系統(tǒng)“BulaPay”協(xié)議，允許現(xiàn)金存款和資產(chǎn)信用憑證，允許客戶沒有銀行賬戶。BulaPay采用開放的 HTTP和XML為基礎的協(xié)議與任何電子

44、商務站點進行通信交換支付明了和支付狀態(tài)反饋，</p><p>　　我們未來的研究將側重于 BulaPay 協(xié)議執(zhí)行開源電子商務系統(tǒng)，使南太平洋人民建立網(wǎng)絡在線商業(yè)快速發(fā)展南太平洋地區(qū)的經(jīng)濟。</p><p>　　BulaPay - A Web-Service Based Third-Party PaymentSystem for e-Commerce in South Pacific Is

45、lands</p><p><b>　　ABSTRACT</b></p><p>　　Third-party payment systems have potential to provide high- volume and low-cost goods, and services for a wide variety of web-based applicatio

46、ns. We propose a new model, BulaPay, a third party payment protocol characterized by off-line processing, suitable for charging goods and services. Third-party payment systems must provide a secure, highly efficient, fle

47、xible, usable and reliable environment, the key issues in third-party payment systems development. Therefore, in order to assist in the de</p><p><b>　　Keywords</b></p><p>　　E-commerc

48、e, Third-party payment system, Web services, SOAP, XML</p><p>　　INTRODUCTION</p><p>　　Online-payment systems are used by most E-commerce systems today to allow customer to pay for goods and serv

49、ices. These typically use credit card debiting, digital cash or real-time bank transfers, where a customer pays for products or services before or at the time of delivery [1][2]. Such systems typically use complex encry

50、ption technologies and require communications with an authorization server to request and confirm payment. Usually confirmation must be provided before the content or good</p><p>　　The ADSL broadband, wirel

51、ess broadband and 3G mobile network services are commonly used for businesses and personal</p><p>　　Permission to make digital or hard copies of all or part of this work for personal or classroom use is gran

52、ted without fee provided that copies are not made or distributed for profit or commercial advantage and that copies bear this notice and the full citation on the first page. To copy otherwise, or republish, to post on se

53、rvers or to redistribute to lists, requires prior specific permission and/or a fee.</p><p>　　iiWAS2009, December 14–16, 2009, Kuala Lumpur, Malaysia. Copyright 2009 ACM 978-1-60558-660-1/09/0012...$10.00.&l

54、t;/p><p>　　in the South Pacific Islands today. Access to Internet is also available in outer islands.</p><p>　　Table 1. Online store and payment methods in Fiji</p><p>　　Table 2. Credi

55、t Card eligibility and cost</p><p>　　Compared to international and domestic trade using e-commerce and online payment in world wide, in the South Pacific islands such as Fiji, e-commerce and online shopping

56、industry is still in beginning stages. Until March 2009, there have been only a few existing online stores that accept online payments by bank credit card such as Master Card or Visa. Some examples of such online stores

57、and the corresponding online payments acceptable are list in Table 1.</p><p>　　The local banks provide credit card AMEX, VISA and Master Card under special conditions. Table 2 shows the credit cards provided

58、 by local banks and conditions.</p><p>　　Credit card is not used extensively in South Pacific region due to the following reasons:</p><p>　　Strict card issue conditions. The applican

59、t has to provide evidence of good income.</p><p>　　The youth citizen, the self-employer and fisher or villager do not qualify to apply a credit card.</p><p>　　High operation costs. The credit ca

60、rd holder needs to pay an annual fee about FJD$50 - $100. This is a very high cost for small daily purchases such as buying mobile credit for FJD$5, or buying an island music CD for FJD$15.</p><p>　　Complex

61、payment steps. The bank provides extra measures such as additional PIN or printing matrix card, to verify user identity during online transactions. Many islanders have difficulty in completing these complex steps to make

62、 a successful payment transaction.</p><p>　　Low cost, highly efficient third-party online payment system, such as Paypal [10] or Alipay [11] is not available in South Pacific Islands. Due to the small market

63、 size and very slow economic growth, those International payment vendors unlike to establish their businesses in the South Pacific Islands.</p><p>　　There is a need for a third-party payment system to suppor

64、t e- commerce in the South Pacific region due to the reality. Paypal and Alipay provide two good samples to help the creation of such a payment system that suits the islands culture.</p><p>　　THIRD-PARTY PAY

65、MENT MODELS</p><p>　　In this section we review the key concepts of two popular third- party payment systems, namely Alipay and PayPal, to identifying their key strengths and weaknesses.</p><p>　

66、　2.1 Alipay</p><p>　　Alipay [11][12], owned by Alipay.com Co. Ltd, is a leading online payment service provider in china. It enables individuals and businesses to securely, easily and quickly send and receiv

67、e payments online. By 20 February 2009, Alipay has had more than</p><p>　　150 million users, a daily transaction volume exceeding RMB700 million (equivalent to about US$100 million).</p><p>　　Al

68、ipay is an account-based payment system. It accepts deposits to personal Alipay accounts by bank card from all the leading banks in China, as well as credit card and other macro payments. Besides the bank card, Alipay ha

69、s also accepted cash deposit from its network partners since 2008. It enables a customer without a bank account or no access to internet to deposit money to his/her Alipay account. So everyone is able to purchase online

70、goods and services through offline fund deposit. Alipay ha</p><p>　　Accepts bank cards and credit card deposit through online or offline fund transfer.</p><p>　　Accepts cash deposit via network

71、partners. (3) Be easy to use.</p><p>　　(4) Provides secure transactions through payment passwords.</p><p>　　Alipay is working closely with eShop Taobao[12]. When a customer buy or sell in Taobao

72、, she/he has to create an Alipay account to make transactions. When a customer makes transactions, Taobao redirects to Alipay to process the payment. Alipay then updates Taobao on the status of payment. Although the inte

73、raction between Taobao and Alipay is through SSL (Secure Socket Layer), there are potentials for:</p><p>　　Strict card issue conditions. The applicant has to provide evidence of good income. The youth citize

74、n, the self-employer and fisher or villager do not qualify to apply a credit card.</p><p>　　High operation costs. The credit card holder needs to pay an annual fee about FJD$50 - $100. This is a very high co

75、st for small daily purchases such as buying mobile credit for FJD$5, or buying an island music CD for FJD$15.</p><p>　　Complex payment steps. The bank provides extra measures such as additional PIN or printi

76、ng matrix card, to verify user identity during online transactions. Many islanders have difficulty in completing these complex steps to make a successful payment transaction.</p><p>　　Low cost, highly effici

77、ent third-party online payment system, such as Paypal [10] or Alipay [11] is not available in South Pacific Islands. Due to the small market size and very slow economic growth, those International payment vendors unlike

78、to establish their businesses in the South Pacific Islands.</p><p>　　There is a need for a third-party payment system to support e- commerce in the South Pacific region due to the reality. Paypal and Alipay

79、provide two good samples to help the creation of such a payment system that suits the islands culture.</p><p>　　THIRD-PARTY PAYMENT MODELS</p><p>　　In this section we review the key concepts of

80、two popular third- party payment systems, namely Alipay and PayPal, to identifying their key strengths and weaknesses.</p><p><b>　　Alipay</b></p><p>　　Alipay [11][12], owned by Alipa

81、y.com Co. Ltd, is a leading online payment service provider in china. It enables individuals and businesses to securely, easily and quickly send and receive payments online. By 20 February 2009, Alipay has had more than1

82、50 million users, a daily transaction volume exceeding RMB700 million (equivalent to about US$100 million).</p><p>　　Alipay is an account-based payment system. It accepts deposits to personal Alipay accounts

83、 by bank card from all the leading banks in China, as well as credit card and other</p><p>　　macro payments. Besides the bank card, Alipay has also accepted cash deposit from its network partners since 2008.

84、 It enables a customer without a bank account or no access to internet to deposit money to his/her Alipay account. So everyone is able to purchase online goods and services through offline fund deposit. Alipay has great

85、features for online payment including:</p><p>　　Accepts bank cards and credit card deposit through online or offline fund transfer.</p><p>　　Accepts cash deposit via network partners.</p>

86、<p>　　Be easy to use.</p><p>　　Provides secure transactions through payment passwords.</p><p>　　Alipay is working closely with eShop Taobao[12]. When a customer buy or sell in Taobao, she/

87、he has to create an Alipay account to make transactions. When a customer makes transactions, Taobao redirects to Alipay to process the payment. Alipay then updates Taobao on the status of payment. Although the interactio

88、n between Taobao and Alipay is through SSL (Secure Socket Layer), there are potentials for:</p><p>　　A hacker to track a transaction, hack the authorization to the eShop and then redirect to Alipay to make p

89、ayment.</p><p>　　The fake order is recorded into Alipay account, although the payment is not intended to process.</p><p>　　Alipay allows users to transfer their balances to commercial bank accou

90、nts. However, the above transfer service by Alipay is not available in South Pacific Islands because there are no Chinese commercial banks operating in this region.</p><p><b>　　Paypal</b></p&g

91、t;<p>　　Paypal [10] allows payments and money transfers to be made through the Internet. Paypal serves as an electronic alternative to traditional paper methods such as checks and money orders .</p><p&g

92、t;　　Paypal uses Instant Payment Notification (IPN) to post transaction details to e-commerce server when receiving payment or changing transaction status. It means the e-commerce system allows PayPal to update its record

93、s. This creates a risk to the e-commerce system as it opens its database records to Paypal. Paypal requests a response from e-commerce server after its post and Paypal will resend the notification within four days. This

94、also increases the load to the e-commerce server to respond to t</p><p>　　A Paypal user U1 may pay a purchase in eBay [15] on behalf of another user U2 by logging in with U2’s username and password in e

95、Bay, and purchasing goods or</p><p>　　services and then making payments. In this approach, U2 temporarily makes a purchase without a Paypal account but pays by U1 through PayPal.</p><p&

96、gt;　　Paypal has great features to support the e-commerce operation world wide but its services are not available for South Pacific countries. The islanders may sell goods and services in eBay or other online stores and r

97、eceive payments through Paypal, but is not able to withdrawals in local banks in the South Pacific because there are no services provided by Paypal. Instead they use international credit card and American bank accounts i

98、n order to receive payments for their goods.</p><p><b>　　BULAPAY</b></p><p>　　We present a new prototype called BulaPay that allows people of the South Pacific to sell and buy goods

99、and services on the web.</p><p>　　BulaPay is a secure account-based third-party online payment system. BulaPay differs from the other online payment systems in following aspects:</p><p>　　Locali

100、zes Bank Deposit and Withdrawal Service</p><p>　　BulaPay will be established in the South Pacific to serve as an e- commerce system locally. A customer, with or without a bank account, may deposit to her/his

101、 BulaPay account in any local bank. The eShop keepers and traders can withdraw from the local banks.</p><p>　　Accepts Cash Deposits</p><p>　　BulaPay will accept cash deposits through the broker

102、network. Any BulaPay users who have account balance can become a broker to provide credit vouchers to other users.</p><p>　　In this approach, everyone may buy goods and services from online stores without a

103、BulaPay account.</p><p>　　A customer with BulaPay balance is allowed to act as broker to pay on behalf of another customer (buyer). The payment invoice number and checkout code are the only details required

104、 to process a payment. You do not need an eShop account and your details to make a purchase.</p><p>　　Web Service for Platform-Independent Integration</p><p>　　Web Service components in BulaPay

105、support integrating with e- commerce system on a common platform. The common enterprise system development language such as Java, PHP and ASP.Net has full API support for web service programming.</p><p>　　Bu

106、laPay will communicate with the e-commerce sites through web service. BulaPay will provide web service interface to respond to queries from eShop, accept the payment order lodge and respond to payment order status check.