求翻译：本文在网上支付系统理论研究的基础上，分析了我国网上支付的现状以及我国银行网上支付的特点，体系结构，安全机制和运行模式。进而提出了我银行网上支付存在的各种问题即风险问题；认证与标准问题；支付方式统一问题和法律问题。针对这些问题，提出了相应的解决对策。最后通过对本论文的论述，总结出我国银行网上支付的发展趋势，并对发展的前景做出展望。是什么意思？

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In this article on-line payment systems theory on the basis of the study was to analyze the situation, as well as our online payment my bank online payment feature, architecture, and security mechanisms and running mode. And to make my bank online payment problems, namely risk issues; certification

The characteristic in which this article on-line payment system fundamental research foundation, analyzed which on our country net to have paid the present situation as well as on Our country Bank net pays, the architecture, safety mechanism and movement pattern.Then proposed on my bank net pays the

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