A Study on the Transaction Security of Electronic Payment

전자결제의 보안성에 관한 연구

In this paper we discussed various types of electronic payment schemes that are emerging. Threats vary from malicious hackers attempting to crash a system, to threats to data or transaction integrity. An understanding of the various types of threats can assist a security manager in selecting appropriate cost-effective controls to protect valuable information resources. An overview of many of today's common threats presented in this paper will be useful to mangers studying their own threat environments with a view toward developing solutions specific to their organization. To ensure security on the Internet, several methods have been developed and deployed. They include authentication of users and servers, encryption, and data integrity. Transaction security is critical : without it, information transmitted over the Internet is susceptible to fraud and other misuse. So computer systems represents an Intermediary with the potential to access the flow of information between a user. Security is needed to ensure that intermediaries cannot eavesdrop on transactions, or copy/modify data. Online firms must take additional precautions to prevent security breaches. To protect consumer information, they must maintain physical security of their servers and control access to software passwords and private keys. Techniques such as secret and public-key encryption and digital signatures play a crucial role in developing consumer confidence in electronic commerce.

최근 인터넷을 이용한 전자상거래가 점차 발전됨에 따라 고객의 서비스 구매에 따르는 전자 결제의 이용이 점차 늘어가고 있는 추세이다. 그러나 전자결제는 온라인상에서 이루어지는 활동이라는 점에서 많은 문제를 내포하고 있다. 온라인 신용카드와 전자화폐 그리고 전자수표로 대변되는 전자결제의 수단들은 흔히 해커라 불리어지는 전자상거래의 비주체들에 의하여 오용되어지고 그로 인해 많은 피해가 발생할 우려가 있다. 본 고에서는 전자상거래시의 대금결제 수단인 전자결제의 종류와 문제점에 대하여 알아보고 그러한 문제점을 극복할 수 있는 방법들에 대하여 제시해 본다.