隨著通訊技術的進步，以及電子商務(Electronic Commerce，E-Commerce)的發展，交易行為與付款習慣逐漸改變，在許多電子支付過程中涉及紙張交易。當在處理高價值交易時，電子支票(Electronic Check，E-Check)是一個非常有用的支付方式。電子支票的運作方式與紙本支票相同，簡化了顧客的學習過程，除了保留了紙本支票的基本特性外更加強紙本支票的功能。而電子支票亦可背書轉讓，不僅相較於紙本支票便利且環保，並可易於各方通過支票的檢驗。但電子支票轉移過程中有可能遭到冒名盜用、複製、竄改等非法使用，故本研究將使用對稱式金鑰加密系統(Symmetric Encryption)以及雙向鑑別(Mutual Authentication)機制設計具可轉移之電子支票，使雙方在交易時更能確保其身分，並達到以下的安全需求:完整性(Integrity)、可用性 (Availability)、交易公平性(Transaction Fairness)、不可偽造性(Unforgeability)、不可否認性(Non-repudiation) 、可驗證性(Verifiability)、時效性(Timeliness)、雙向鑑別(Mutual Authentication) 、防止重複消費(Against Double Spending)、抵抗中間人攻擊(Against Man-in-the Middle Attack)、抵抗重送攻擊(Against Replay Attack)、確保轉移機制(Transfer of Rights)，發生交易糾紛時可追查出非法轉移者，以確保交易公平性。

With the advances in communication technology and the development of e-commerce (electronic commerce, e-commerce), the trading behavior and payment habits gradually change, paper transactions involved in many electronic payment process. When dealing with high-value transactions, electronic check (electronic check, e-check) is a very useful method of payment. The mode of operation of e-check and paper check is similar, simplified the customer's learning process, in addition to retaining the basic characteristics of a paper check, but also to enhance the function of paper checks. The e-checks can also be transferred by endorsement, not only convenient and environmentally than paper checks, but also allows everyone pass the examination. But the transferable process of e-check may have been illegal use of forging, copying, tampering. This thesis proposes a method with symmetric encryption and mutual authentication to design a transferable e-check scheme, both parties can ensure its identity when they are trading. The methods this thesis proposes can achieve the below system requirements: integrity, availability, transaction fairness, unforgeability, non-repudiation, verifiability, timeliness, mutual authentication, against double spending, against man-in-the middle attack, against replay attack, transfer of rights. Finally, we can capture the illegal user when disputes occurring to ensure the fairness of transactions.

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