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发展网上支付必须要解决好安全风险、可靠性以及与银行内部网络支付系统的衔接等三大问题。本文针对BtoB网上支付的实现,从信息流角度出发提出了一种BtoB网上支付参考模型。该模型通过信息流设计和对信息处理过程的层次设计,比较好也比较完整地解决了上述的三个问题。
The development of online payment must solve the three major issues of security risks, reliability and connection with the bank’s internal network payment system. Aiming at the realization of BtoB online payment, this paper proposes a BtoB online payment reference model from the perspective of information flow. Through the design of information flow and the hierarchical design of information processing, the model solves the above three problems relatively well.