隨著網際網路的日益發展，有越來越多的網路服務被提出來，電子商務便是其中炙手可熱的一種。因為網際網路是一種新興的的工具，可以提供低成本的即時性與互動性，使得人們有越來越多的機會在網路上處理交易，電子給付系統便是在電子商務之中一個重要的部分。我們可以把電子給付系統分為三類，其中電子信用卡系統是最廣為人知的系統，電子信用卡系統在每次交易時都需要信用卡號碼，而電子支票與電子現金等服務，也有越來越多的研究被專家學者提出。 在本論文中我們提出了三個電子現金系統，第一個系統是以視覺式秘密分享和指紋辨識技術為基礎架構，利用指紋作為認證付款者與電子現金的申請者是否相同的依據，並且以視覺式秘密分享的技術保護指紋，使其得以在網路上安全的傳遞；第二個系統則是將通行碼認證架構整合智慧卡，利用通行碼認證的方式來驗證付款者與電子現金申請人的身分；第三個系統則在相同的安全性考量下，將原本的通行碼認證的方式，改良為橢圓曲線的架構來提昇系統運算的的效能，使其運算需求可以降到最低並且達到與第二個系統相同的安全度。 With the development of Internet day by day, there are more and more services on Internet proposed. e-Commerce is one of burning to the touch issues. People have more and more chances to do business on the Internet, since Internet is a newly risen tool. It can provides real-time interactive without expensive cost. An important part of e-Commerce is electronic payment system. We can class electronic payment system among three types: electronic credit card system is the most popular one, which is based on credit card. The system requests a credit card number for each transaction. And the others are electronic cheque and electronic cash systems. There are also more and more researches published by scholars and professionals. In the thesis, we proposed three electronic cash system. The first proposed system is based on visual secret sharing and fingerprint recognition technologies. We use biologic recognition to authenticate the identity of payer and claimer. The second one is integrated password authentication scheme with smart cards. We employ password authentication scheme to verify the status between payer and claimer. The third system improves the password authentication scheme using elliptic curve. Besides the same security consideration, and the time complexity will be decrease by the scheme.
