Title Page
ABSTRACT
Contents
CHAPTER 1: INTRODUCTION 13
CHAPTER 2: THE LEGAL FRAMEWORK OF E-COMMERCE AND IMPORTANT ROLE OF E-PAYMENT IN RELATION TO E-COMMERCE 21
2.1. The Legal framework of E-Commerce 21
2.1.1. E-Commerce in UNCITRAL Model Law on Electronic Commerce 21
2.1.2. E-Commerce in Organization for Economic Cooperation and Development (OECD) 25
2.1.3. E-Commerce in the United States of American Law 27
2.1.4. E-Commerce in Chinese Law 30
2.1.5. E-Commerce in Vietnamese Law 32
2.2. Legal issues in E-Commerce 34
2.2.1. Electronic contracts (E-Contracts) 34
2.2.2. Intellectual Property Rights 35
2.2.3. Data protection 37
2.2.4. E-Payment and security of information 38
2.3. The important role of E-Payments in economic development 40
2.3.1. E-Payment helps saving time 40
2.3.2. E-Payment brings the convenience 41
2.3.4. E-Payment brings the accuracy in E-Commerce 41
2.3.5. E-Payment has reasonable cost price 42
CHAPTER 3: CATEGORIES OF E-PAYMENT AND INFORMATION SECURITY THREATS IN E-PAYMENT 44
3.1. Categories of E-Payment 44
3.1.1. Smart card-based E-Payment system 45
3.1.2. Online payment system 46
3.1.3. Mobile phone based payment system 47
3.1.4. E-Wallet Payment System 48
3.1.5. E-Cheque Payment System 49
3.2. Authentication mechanism for E-Payment systems 50
3.2.1. PIN 50
3.2.2. Cryptographic keys 52
3.2.3. Digital signature 55
3.2.4. Biometrics 56
3.3. Security issues threaten the E-Payment Systems 58
3.3.1. Viruses 58
3.3.2. Worms 59
3.3.3. Trojan horse 61
3.3.4. Denial of Service attack (DoS) 62
3.3.5. Distributed Denial of Services (DDoS) 62
3.3.6. Phishing and Pharming 64
CHAPTER 4: THE REGULATION ON INFORMATION SECURITY IN E-PAYMENT IN VIETNAM AND CHINA 67
4.1. The regulation on information security in E-Payment in Vietnamese Law 67
4.1.1. The history of regulation of E-Payment system 67
4.1.2. The regulation on payment intermediary services and digital wallet service (E-Wallet) 76
4.1.3. Regulation on virtual money 81
4.2. The regulation on information security in E-Payment in Chinese Law 82
4.2.1. The history of regulation on e - payment system 82
4.2.2. The legal framework of payment services of Non-financial institutions 91
4.2.3. Regulation of virtual currency in China 98
CHAPTER 5: SOLUTIONS IN E-PAYMENT SYSTEMS 101
5.1. The typical cases involving the loss of safety information in E-Payment in Vietnam 101
5.2. Solutions in E-Payment systems 107
5.2.1. Biometric 107
5.2.2. Supplementing the provisions relating to the entities provide the intermediary payment service (The Provider) 110
5.2.3. Increasing awareness of the customer when conducting online transactions 112
CHAPTER 6: CONCLUSION 115
BIBLIOGRAPHY 119