在电子商务中,认证中心(CA)、支付网关是在商家和用户之间不可缺少的环节。在目前国内的电子商务应用里,中国银行的“支付网上行”应该可以算是一个比较成功的例子。中行使用了IBM的电子商务解决方案,建立了自己的认证中心和支付网关。它提供的服务使个人可以利用中国银行具有国际标准的长城电子借记卡和免费提供的电子钱包(软件),实现网上购物支付。中行采用的是国际公认的安全标准SET(安全电子交易),即涉及交易各方的数据,在发送时,均通过加密处理。所以商户只能看到消费者的订单信息,而银行只能看到有关支付信息。此外,每 In e-commerce, authentication centers (CAs) and payment gateways are indispensable links between businesses and users. In the current domestic e-commerce applications, Bank of China’s “payment online banking” should be a relatively successful example. BOC used IBM’s e-commerce solution to establish its own certification center and payment gateway. The services it provides enable individuals to use the Great Wall Electronic Debit Card with international standard of Bank of China and free electronic wallet (software) to realize online shopping payment. Bank of China uses the internationally recognized safety standard SET (Secure Electronic Transaction), which involves the data of the parties involved in the transaction. When it is sent, it is encrypted. So the merchant can only see the consumer’s order information, and the bank can only see the relevant payment information. In addition, every