摘要
利用工程领域的冗余设计原理,在多通道电子支付模型的基础上构建了同时具备高交易效率和高安全性的冗余多通道电子支付模型,结合电子支付及无线通信技术的特点分析了冗余通道的选择方法,设计了相应的用户操作流程,给出了不同的冗余情形下的支付信息到达率计算公式、以及对用户感知风险和接受度的影响,对比了各种支付方式的综合性能,解决了在多通道支付模型中出现的交易效率降低的问题。
By using the principle of the redundant system design in the engineering field and based on the multi-channel electronic model, this paper constructed a new kind of redundant multi-payment electronic payment model that has both high transaction efficiency and good reliability, analyzed the channel selecting method by combining the traits of the electronic payment and wireless communication technology, designed the corresponding user operation flow, worked out the calculation formula of different payment information arrival rate by different redundant design methods and effects on the perceived risk and acceptance degree of the end-user, compared the integrated performance of different kinds of payment models, and solved the decreasing problem of transaction efficiency in the multi-channel payment model.
出处
《西安交通大学学报（社会科学版）》
CSSCI
2006年第4期22-26,共5页
Journal of Xi'an Jiaotong University：Social Sciences
关键词
冗余支付
交易效率
技术接受度
redundant payment
transaction efficiency
technology acceptance degree
