Then author carried out the system design and realized the system according the payment model, the system has been divided into four components as following : electronic wallet, merchant server, payment gateway and certificate authority. 之后,作者对整个模型进行了详尽的系统分析,依据协议参与方的要求,将整个模型划分为四个核心功能模块:持卡者电子钱包、商家系统、支付网关和认证中心。