Zahlungssicherheit beim Electronic Commerce in der Business-to-Consumer Beziehung
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Inhaltsangabe: Einleitung: Kaum ein Thema hat in letzter Zeit die Medien so beschäftigt wie der Electronic Commerce. Neben überschwenglichen Meldungen vom Einkaufsparadies Internet, in dem es nichts gibt was man nicht kaufen kann, wurde jedoch auch immer wieder darauf aufmerksam gemacht, keine Kreditkartennummern und andere sensible Zahlungsdaten über das Internet zu verschicken. Daraus ergibt sich das Problem des sicheren Bezahlens beim Elektronic Commerce. Zur Lösung dieses Problems wurden eine Reihe von Vorgehensweisen und Protokolle entwickelt. In Deutschland am bekanntesten, sind das von der Deutschen Bank in einem Pilotprojekt getestete eCash, das SET-Protokoll der Kreditkartenunternehmen und die von einem Konsortium aus Commerzbank, Dresdner Bank und anderen getesteten CyberCash-Protokolle. Die sehr unterschiedlichen Ansätze werden in der folgenden Arbeit vorgestellt. Sie können am einfachsten nach ihrem Einsatzbereich kategorisiert werden. Bei den Einsatzbereichen unterscheidet man Micro-, Small- und Macro-Payments nach der Höhe des zu Zahlenden Betrages. Mit der Betragshöhe einher gehen die Sicherheitsvorkehrungen, welche die verschiedenen Systeme treffen. Der Focus der Arbeit liegt auf den von digitalen Zahlungssystemen zu erfüllenden Sicherheitsanforderungen. Hierzu gibt es verschiedene Mechanismen, welche zumeist auf der modernen Kryptographie, der Lehre vom Ver- und Entschlüsseln von Daten und Nachrichten mittels mathematischer Algorithmen, beruhen. Abschlie end soll erarbeitet werden, welchen Stellenwert die Zahlungssicherheit für die aktiven Teilnehmer am Electronic Commerce hat und welche Ziele sich daraus ergeben. Berücksichtigt werden die Standpunkte des Zahlenden, des Zahlungsempfängers, des Issuers/Acquirers und der Hersteller von Zahlungssystemen. Inhaltsverzeichnis: Inhaltsverzeichnis: Abbildungsverzeichnis Tabellenverzeichnis Abkürzungsverzeichnis A.Einleitung1 I.Problemstellung1 II.Theoretische Begriffsabgrenzung2 1.Business-to
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