摘要：电子商务作为一种新型的网上在线贸易方式，使企业与消费者摆脱了传统的商业中介的束缚，电子商务交易中最为重要的环节——在线支付，在线支付是电子商务的关键环节，也是电子商务得以顺利进行的重要条件，如何实现完全的在线支付功能，并保证交易各方的安全、保密是实现电子商务关键的问题之一。但是，目前在线支付的安全性还面临着许多威胁，经常会发生例如钓鱼、木马程序盗取密码等安全问题。在线支付的安全问题明显减缓了我国电子商务的发展脚步，据调查虽然有很多的客户希望通过网上进行购物，但是在比较网上购物方便性及安全性以后选择了放弃。

　　　本论文在明确银行卡在线支付发展的现状基础上，介绍了目前主要的银行卡在线支付方式有哪些，及其特点与流程，然后对现阶段银行卡在线支付存在的安全问题进行了分析，最后提出了解决这些安全问题的若干对策。

关键字 电子商务；在线支付；银行卡；安全

Abstract：E-commerce as a new way of online trade, makes the enterprise and the consumer get rid of the traditional business intermediary bound, the most important part -- online payment of e-commerce, online payment is the key link of e-commerce, e-commerce is the prerequisite for smoothly, how to achieve full online payment function to ensure the safety, security, and the parties to the transaction is one of the key problems in electronic commerce. However, the online payment security is facing many threats, often happen such as fishing, Trojans to steal passwords and other security problems. Online payment security significantly slow down the pace of development of e-commerce in China, according to the survey, although there are a lot of customers want to shopping through the Internet, but in the online comparison shopping convenience and safety of later chose to give up.

　　　In this paper the bank card online payment development present situation foundation, introduces what is currently the main bank card online payment, and its characteristics and process, then analyzes the present stage of bank card online payment security problems, and finally puts forward some countermeasures to solve these security problems.

Keywords  Electronic commerce  Online payment  Bank card  Security

本论文在明确选题背景及意义的基础上，主要阐述了现今基于银行卡在线支付的发展现状，对基于银行卡在线支付方式主要的四种类型：无安全措施的银行卡支付、通过第三方代理人的银行卡支付、简单加密银行卡支付、基于SET协议的银行卡支付的特点及其流程，进行了全方面的分析，同时也以招商银行一卡通为例来进行了更为具体的说明。随后论文对目前银行卡在线支付的存在的安全隐患进行了梳理与分析，最后论文提出了解决银行卡在线支付安全问题的四种对策包括增加技术的应用、加快法律法规的制度完善、完善管理制度以及实现在线支付工具多样化。