最新《网上支付与结算》期末考试题

最新《网上支付与结算》期末考试题
最新《网上支付与结算》期末考试题

思考题:

1.电子支票发展中存在的问题及对策

(1).法律问题

我国《票据法》第四条规定,“票据出票人制做票据,应按照法定条件在票据上签章”,第七条又规定“票据上的签章,为签名、盖章或者签名加盖章”。因此我国现有法律还不承认电子签名的有效性,为此可以借鉴国外一些已有的立法,对现有法律进行修改或颁布数字签名法。

(2).技术问题

一项针对网上支付的调查表明,客户对网上支付最为关心的是其安全性。电子交易涉及的金额一般较大,交易的安全性更为突出。数字签名系统和加密体系的建设是实现网上支付的安全保证。中国金融认证中心的建立在很大程度上解决了数字签名、数字证书的问题,而加密体系还需要在今后不断地加强和完善。

(3).投入与产出问题

当人们从电子商务的狂热中清醒过来的时候,如何从电子商务中获利的问题摆在了面前。抢占网上支付服务的制高点无疑是每个参与建设网上支付体系的机构所追求的目标,但各机构应根据自身的特点分别制定进入的时间和具体的服务范围,做到量力而行。(4).统一性的问题

我国已有几家银行和地区金卡中心推出了BtoB、BtoC网上支付系统,其他一些银行也正跃跃欲试。如何统一技术标准,不再重蹈银行卡的覆辙已是一个很紧迫的问题。中央银行应按“统一规划、统一标准”的原则来指导网上支付体系的建设。

(5).电子支票的监管问题

电子支票由于其交易的虚拟性,因而很容易被当做洗钱的工具。中央银行应加强对电子支票的研究,加大对网上支付欺诈现象的打击力度。随着科学技术的发展,一些中介性的技术服务机构正起着支付结算和资金清算的职能,而我国的现有法律规定只有银行和特许机构才能允许从事支付结算和资金清算。如何规范网上交易,也是中央银行所面临的一大课题。

2.调研总结智能卡被应用于生活中的哪些方面,并展望其应用前景。

从功能上来说,智能卡的用途可归为如下四点:1.身份识别2.支付工具3.加密/解密 4.信息存储

复习题:

1.世界上第一家完全依赖于因特网发展起来的全新的电子银行是美国安全第一网络银行(Security First Network ,SFNB),它所有的业务交易都是依靠因特网进行。

2.SSL协议是国际上最早应用于在线商务的一种网络安全协议,它运行的基点是商家对客户信息保密的承诺。

3.认证机构是为了保证网上交易的安全而设立的权威机构,其职责是监督、管理交易过程中的安全和合法性,是一个多用户共同信任、具有权威性、带有半官方的重要的组织实体。

4. 美国亚马逊网上书店是(B )的全球代表。

A. B to B

B. B to C

C. B to G

D. C to C

5. 尽管信用卡相对于传统货币有不少优越性,但由于不具有现金所具有的(B ),它并不能取代现金。

A. 流动性

B. 匿名性

C. 可携带性

D. 结算转账功能

6. 下列关于在SET使用的安全技术标准中正确的是(C )。

A. 将定单信息和个人帐号信息分别进行数字签名,保证银行只能看到订货信息而看不到账

户信息。

B. 持卡人证书是由金融机构以数字化形式签发,并包括信用卡账号。

C. 在SET中,最主要的证书是持卡人证书、支付网关证书和商家证书。

D. 商家证书是由金融机构签发,可以随意修改。

7. SSL协议运行过程中,缺少了(B )的认证。

A. 商家对客户信息

B. 客户对商家

C. 银行对商家

D. 银行对客户

8.在SSL协议中,采用了公开密钥和私有密钥两种方法进行加密。19.公开密钥和私有密钥

9. 网上支付系统的基础设施是(B )。

A. 电子货币

B. 金融电子化网络

C. 网络安全认证机构

D. 电子化机具

10. 世界上最早的银行信用卡是由( C )于1952年发行的。

A. 美洲银行

B. 万事达集团

C. 美国富兰克林国民银行

D. 维萨集团

11. 认证中心作为电子商务交易中受信任和具有权威性的第三方,担任公钥体系中(C )的检验责任。

A. 客户正确性

B. 客户合法性

C. 公钥合法性

D. 公钥准确性

12. 电子支付是资金在因特网上的传输,其中涉及到的安全套接层协议是(B )。

A. PKI

B. SSL

C. SET

D. X.509

13、中国第一家网上银行是( B )

A、中国银行

B、招商银行

C、工商银行

D、建设银行

14、电子支付的类型包括(ABC)

A 网上支付

B 电话支付

C 移动支付

15、传统支付形式包括(A B)

A 现金

B 支票

C 智能卡

16、电子支付是网上支付的更高级形式(×)

17、电子货币的特点包括(ABCD)

A 无形性

B 高效性

C 多用途性

D 隐秘性

18、电子现金的属性包括(ABC)

A 货币价值

B 可分解性C可交换性

19、信用卡网上支付的模式包括(ABCD)

A 无安全措施的信用卡支付

B 通过第三方代理人支付

C简单加密信用卡支付 D SET信用卡支付

20、SSL协议是安全电子交易协议(×)

21、SET协议比SSL协议安全(√)

22、电子支票的属性包括(ABCD)

A 货币价值

B 价值可控性C可交换性D不可重复性

23、电子钱包的功能包括(ABC)

A 电子安全证书的管理

B 安全电子交易C交易记录的保存

24、智能卡的应用包括(ABCD)

A 传统的电子支付B互联网上的网络支付

C电子身份识别 D 信息存储

25、.电子支票不是数字支票(×)

26、电子钱包是程序,可以从网上下载(√)

27、计算机的网络安全技术包括(ABCD)

A 病毒防范技术

B 防火墙FIREJIWAL技术

C VPN技术D身份识别技术

28、防火墙的种类包括(ABC)

A 包过滤防火墙B状态检测型防火墙C代理服务器防火墙

29、入侵检测技术包括(ABCD)

A 特征检测B异常检测

C系统检测 D 信息检测

30、对称加密是指利用公开密钥加密(×)

31、RSA算法被用于对称加密中(×)

32、数字证书的功能包括(ABCD)

A 身份认证

B 数据的完整性

C 访问控制D不可抵赖性

33、数字签名技术使用的是(A)对信息摘要进行加密

A 哈希函数

B DES

C RSA

34. 数字签名支持信息的不可抵赖性(√)

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