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Chang, Tao-Ku. "A Secure Operational Model for Mobile Payments". Scientific World Journal 2014 (2014): 1–14. http://dx.doi.org/10.1155/2014/626243.
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Instead of paying by cash, check, or credit cards, customers can now also use their mobile devices to pay for a wide range of services and both digital and physical goods. However, customers’ security concerns are a major barrier to the broad adoption and use of mobile payments. In this paper we present the design of a secure operational model for mobile payments in which access control is based on a service-oriented architecture. A customer uses his/her mobile device to get authorization from a remote server and generate a two-dimensional barcode as the payment certificate. This payment certificate has a time limit and can be used once only. The system also provides the ability to remotely lock and disable the mobile payment service.
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Xu, Ruohan. "Optimized Secure Payment Solution Using QR Code Scanning based on Operation-payment Dual Devices". BCP Business & Management 17 (23.02.2022): 118–23. http://dx.doi.org/10.54691/bcpbm.v17i.383.
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With the development of the internet and mobile payment technology, the mobile payment transaction volume in China is rising year by year. Likewise, an increasing number of people are using mobile payments for their convenience and stability. In recent years, however, security incidents involving these mobile payments have also occurred more frequently. Some lawbreakers have been known to add illegal information to QR codes so that the mobile phones of unwitting customers are infected with viruses when they scan the codes to make payments. These viruses result in losses of personal property. In view of this, we propose an optimized secure payment solution for QR code scanning based on Operating-payment dual devices. This sets a separation of the payment process by utilizing both an operating device and a payment device, so as to minimize losses when customers scan malware-infected QR codes. Through theoretical analysis, our proposed solution can effectively improve the security of QR code payments, and meet the requirements for secure payment in daily life.
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Ahamad, Shaik Shakeel, V. N. Sastry i Siba K. Udgata. "A Secure Mobile Wallet Framework with Formal Verification". International Journal of Advanced Pervasive and Ubiquitous Computing 4, nr 2 (kwiecień 2012): 1–15. http://dx.doi.org/10.4018/japuc.2012040101.
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This paper proposes a Secure Mobile Wallet Framework (SMWF) using WPKI (Wireless Public Key Infrastructure) and UICC (Universal Integrated Circuit Card) by defining (a) a procedure of personalizing UICC by the client, (b) a procedure of provisioning and personalization (Mutual Authentication and Key Agreement Protocol) of Mobile Payments Application (which is on UICC) by the Bank and (c) our proposed mobile wallet is will have mobile wallet manager managed by CA (acting as TSM), every mobile application is independent, protected by firewalls and encrypted data is stored in the mobile wallet application. Their proposed Mobile Wallet ensures end to end security. The authors’ proposed SMWF is compared with recent works and found to be better in terms of generating client’s credentials, implementation of WPKI in UICC, personalization of mobile payment application by the bank and in ensuring end to end security (i.e., from Mobile Payments Application in UICC to the Bank Server). The proposed mobile payment protocol originating from Mobile Payment Application (which is on UICC) to the Bank Server realizes Fair Exchange ensures Confidentiality, Authentication, Integrity and Non Repudiation, prevents double spending, over spending and money laundering, and withstands replay, Man in the Middle (MITM) and Impersonation attacks. Proposed mobile payment protocol is formally verified using AVISPA and Scyther Tool and presented with results.
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Sabino, Anthony Michael, i Mary Jane C. Sabino. "Secured interest in royalty payments kept secure in recent decision". Natural Gas 11, nr 11 (20.07.2009): 17–20. http://dx.doi.org/10.1002/gas.3410111105.
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Vishwakarma, Pinki Prakash, Amiya Kumar Tripathy i Srikanth Vemuru. "The Fact-Finding Security Examination in NFC-enabled Mobile Payment System". International Journal of Electrical and Computer Engineering (IJECE) 8, nr 3 (1.06.2018): 1774. http://dx.doi.org/10.11591/ijece.v8i3.pp1774-1780.
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Contactless payments devised for NFC technology are gaining popularity. Howbeit, with NFC technology permeating concerns about arising security threats and risks to lessen mobile payments is vital. The security analysis of NFC-enabled mobile payment system is precariously imperative due to its widespread ratification. In mobile payments security is a prevalent concern by virtue of the financial value at stave. This paper assays the security of NFC based mobile payment system. It discusses the security requirements, threats and attacks that could occur in mobile payment system and the countermeasures to be taken to secure pursuance suitability.
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Mamčenko, Jelena, Brigita Šustickiene i Jūratė Romeikienė. "CONTACTLESS PAYMENTS FRAUD DETECTION METHODS AND IS SOCIETY PREPARED TO RESIST: A CASE STUDY". SOCIETY. INTEGRATION. EDUCATION. Proceedings of the International Scientific Conference 2 (3.07.2023): 467–77. http://dx.doi.org/10.17770/sie2023vol2.7159.
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The ability to use contactless payment technologies, non-cash payments and credit card payments is becoming almost an essential requirement for consumers and merchants in today's economic conditions. Different market sectors are rapidly adapting to these technologies and looking for the most convenient, secure, and fastest possible solutions that combine intelligent data processing, security, and business management functions. Millions of debit and credit card holders care about secure payments, the businesses that receive these payments are secure in terms of security, and the operators that process such incoming and outgoing payments are interested in innovative solutions that set them apart from the competition. Amid the COVID-19 pandemic, when e-commerce was growing exponentially, the global market for fraud detection and prevention, currently stands at USD 20.9 billion, and is expected to grow, until 2025 will rise to USD 38.2 billion by the end of the year; holds the market at 12.8 % annually. The US remains the dominant region in this market segment, but European countries are also increasingly investing in fraud prevention and detection solutions, which are growing in demand in Europe due to an increase in cybercrime as well as advanced bots and cyber-attack.
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Adil. O. Y. Mohamed. "Intelligent Blockchain-Based Secure Framework for Transaction in Mobile Electronic Payment System". International Journal of Interactive Mobile Technologies (iJIM) 17, nr 04 (23.02.2023): 37–46. http://dx.doi.org/10.3991/ijim.v17i04.37671.
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The rate of smartphone purchases is rising daily, and mobile payments are now frequently accepted in various areas. It is essential to transfer money completely safe as well as quick. The encrypted distributed ledgers function provides verified real-time transaction confirmation without the necessity for intermediaries like banks and clearinghouses; blockchain provide quick, secure, decentralized, and inexpensive transaction services. Blockchain technology makes money transfer simpler with transparency and financial data security. Through these capabilities, blockchain has attracted interest from around the world. However, some challenges arise while completing some financial security needs. This work proposes a framework for secure mobile payments based on blockchain technology. The advantages of blockchain are discussed and how blockchain technology provides multi-level authentication to secure mobile based financial transactions. Due to the increased safety and confidentiality of users on mobile payment apps, the suggested system takes into account the need of developing a safe application for the mobile transactions. We have also addressed the security related challenges of blockchain based payment applications and provided potential solutions.
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Mushkudiani, Nino. "Development of Electronic Payments in Georgia". Economics and Culture 15, nr 2 (1.12.2018): 64–74. http://dx.doi.org/10.2478/jec-2018-0021.
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Abstract Electronic payments are considered to be a fast and secure alternative for traditional payment methods. Today, it is impossible to imagine modern bank operations, commercial transactions and other payments without electronic payments. This article shows that electronic payments are not the only means for reducing costs with respect to other payment methods, such as cash, but can also generate significant benefits for increasing economic development and reducing shadow economy. The paper focuses on the development of electronic payments in Georgia and its impact on the economy of the country. Over the decades, the payment systems in Georgia have evolved significantly in line with the technological advancement. Significant progress has been achieved in improving the e-payment systems infrastructure. The evolution of e-payments in Georgia can be characterized by the following: debit (including prepaid) and credit cards, credit and debit transfers compose a core set of noncash payment types commonly used today by consumers and businesses. These core noncash payment types are used both in traditional ways, such as in-person purchases, payroll deposits, and bill payments, and in innovative ways, such as contactless and mobile payments, e-commerce and online bill payments. Using the economic-mathematical analyses of the information taken from the web-page of the National Bank of Georgia and commercial banks’ publications, a mathematical model was built, based on which the positive relationship between e-payments and economic growth in terms of real GDP was shown.
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Bhutta, Muhammad Nasir Mumtaz, Surbhi Bhattia, Mohammed Ali Alojail, Kashif Nisar, Yue Cao, Shehzad Ashraf Chaudhry i Zhili Sun. "Towards Secure IoT-Based Payments by Extension of Payment Card Industry Data Security Standard (PCI DSS)". Wireless Communications and Mobile Computing 2022 (24.01.2022): 1–10. http://dx.doi.org/10.1155/2022/9942270.
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IoT emergence has given rise to a new digital experience of payment transactions where physical objects like refrigerators, cars, and wearables will make payments. These physical objects will be storing the cardholder credentials and will directly make payments with the vendors over insecure public networks. For such payment transactions, government regulations and standards organizations require to implement PCI DSS for adapting similar set of security measures at the global level. The current version of PCI DSS is not suitable for IoT-based payment systems due to characteristics of IoT such as resource-constrained nature of devices and updating software/firmware of so many physical devices. Also, there arises an emergent need of implementing PCI DSS requirements and assessments for security of all stakeholders that store or process the user credentials in a payment. This paper is an initial effort to bring the researcher’s attention to make upcoming versions of PCI DSS suitable for IoT and thus securing the new ways of IoT-based payment systems. The paper has reviewed the traditional payment process along with considerations for IoT-based payment systems to make recommendations to modify the PCI DSS in a suitable way for IoT.
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Gupta, Saksham, Sanchit Tomar, Rituraj Bansal, Sameer Choudhary i Pardeep Kaur. "Secure Transaction System Using Face Recognition". Journal of Cyber Security, Privacy Issues and Challenges 1, nr 2 (8.07.2022): 19–29. http://dx.doi.org/10.46610/jcspic.2022.v01i02.003.
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The use of online payment is increasing dramatically in today's environment. As a result, this initiative was created to protect payments against internet scams. The project's main goal is to create a secure payment system that uses face recognition and Open CV in Python. It makes use of the confidence level, which is defined as the value generated by the system and used to determine the forecast's accuracy. Several graphic modules were combined with a pattern mirror to create this piece. Before entering a PIN, the system in this project uses face detection and a proxy. Because it embeds elements of the users' faces to increase system accuracy, the algorithm employed in this research will improve the security and efficiency of face recognition. To strengthen security, we have introduced three-fold encryption while the data is being transmitted for authentication. The user's bank balance is confirmed and the work is completed after the system has completed its verification. The suggested system outperforms existing functions, and its user-friendly interface makes it simple to use.
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Kovács, Levente, i Sandor David. "Fraud risk in electronic payment transactions". Journal of Money Laundering Control 19, nr 2 (3.05.2016): 148–57. http://dx.doi.org/10.1108/jmlc-09-2015-0039.
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Purpose The purpose of this paper is the timely review of regulations on the security of electronic payments, payment innovations and their vulnerabilities and discussing the recommendations elaborated by the European Forum on the Security of Retail Payments. Design/methodology/approach First, the article presents a serious fraud case which happened in the Hungarian banking system. This case demonstrates all risks associated with the security of payment channels being used. Next, the article examines those international SecuRe Pay Forum recommendations which target the elimination of such fraud risks. Finally, the article compares current domestic regulations with these recommendations. Findings The fraud incidents and the speed of penetration of new fraud techniques and methods caught the attention of payment service providers, customers, supervisors and overseers. The result of their cooperation is the European Forum on the Security of Retail Payments. The forum elaborated three sets of recommendations on security of Internet payments, payment account access services and mobile payments, which are missing elements of the present Hungarian and pan-European regulations. Both domestic and international regulators should build on the revised Payment Services Directive and the recommendations in question, to avoid fraud incidents like the one this article initially portrayed. Originality/value The article presents a specific, true case which took place in Hungary in 2014.
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Zitha, Themba, i Darry Penceliah. "Perceptions Regarding Digital Payments in Online Shopping amongst Millennials in KwaZulu-Natal, South Africa". African Journal of Inter/Multidisciplinary Studies 4, nr 1 (2022): 338–49. http://dx.doi.org/10.51415/ajims.v4i1.1047.
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Contemporary business continues to leverage the opportunities of internet connectivity for marketing, sales, and visibility. Digital payment plays an imperative role in online shopping transactions. With the evolution of online shopping, there has been a paradigm shift from traditional payment methods to a faster digital payment method. This paper assesses millennials’ perceptions of digital payments for online shopping. A cross-sectional study was undertaken using a quantitative method. Three hundred and ninety-three millennials completed a self-administered questionnaire. Descriptive and inferential statistical methods were utilised to summarise and analyse the results. Respondents used different types of digital payments for online shopping, namely, credit card, debit card, micropayment, digital wallet, PayPal, Bitcoin, and in-app purchase. Some of the challenges pertaining to digital payment methods are security, privacy, and trust issues. There is a dire need to develop various interventions and strategies such as standardisation of the browser and device support to educate consumers, integrate more banks, develop synergy with credit card companies, reduce fees for low-risk transactions, make digital payment easier, and personalise the digital payment process and its value chain to make digital payments more secure and safe for effective transaction and online payments.
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Chang, Tao-Ku, i Fu-Hao Yeh. "Using the Same PayWord Chains Associated with a Single Account from Multiple Mobile Devices". Wireless Communications and Mobile Computing 2020 (20.11.2020): 1–6. http://dx.doi.org/10.1155/2020/8882655.
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Customer awareness and interest in mobile payments are increasing. However, security and privacy risks remain major barriers to their adoption, with customers worrying about their personal data being hacked or intercepted. In this paper, we present the design of a secure scheme for mobile payments that can guarantee mutual nonrepudiation between the customer, merchant, and banker. A customer can use the proposed scheme to make a payment with the same PayWord chains of a single account from multiple devices.
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Zeta Chandra, Dheandra, Dedi Purwana i Maulana \Amirul Adha. "ANALISIS STRATEGI QRIS OLEH KPWBI DKI JAKARTA DALAM UPAYA PENGEMBANGAN PEMBAYARAN NONTUNAI PADA UMKM JAKARTA". TRANSEKONOMIKA: AKUNTANSI, BISNIS DAN KEUANGAN 3, nr 4 (23.07.2023): 664–73. http://dx.doi.org/10.55047/transekonomika.v3i4.464.
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Cashless transactions offer the advantages of simpler, faster, and safer transactions compared to non-cash transactions, and can increase economic activity in a country. To support digital payments, BI released QRIS as a national QR code standard. The utilization of QRIS as a payment channel has increased every year. This research focuses on the strategy of Bank Indonesia Jakarta Representative Office in developing non-cash payments through QRIS for MSMEs in Jakarta, the impact of non-cash payment development strategies through QRIS, and constraints on non-cash payment development strategies. This research is a field study using a descriptive qualitative research approach. The results of this study show that there are several strategies including conducting socialization, including MSMEs in BI strategic events, connecting with Perumda Pasar Jaya traditional markets which were later designated as S.I.A.P QRIS markets, and receiving complaints about QRIS. As an impact of the strategy of developing cashless payments through QRIS, the findings of this study show how QRIS shortens the payment process and makes transactions more secure for both merchants and consumers. On the other hand, people's dependence on cash transactions and public understanding of payments through QRIS are the main challenges faced by Bank Indonesia Jakarta Representative Office in implementing non-cash payments through QRIS for MSMEs in Jakarta.
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Gebert, Krista M., David E. Calkin i Ervin G. Schuster. "The Secure Rural Schools Act, Federal Land Payments, and Property Tax Equivalency". Western Journal of Applied Forestry 20, nr 1 (1.01.2005): 50–57. http://dx.doi.org/10.1093/wjaf/20.1.50.
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Abstract Federal land payments are a very important source of revenue for many county governments in the west. The concern of many is the extent to which these payments are equivalent to property tax revenues those lands would likely have generated if taxed as similar lands. Sustained decreases in federal revenue-sharing payments, along with passage of the Secure Rural Schools Act of 2000, have rekindled interest in this area. Building on a 1997 analysis of property tax equivalency, we simulated the effect of this new legislation on property tax equivalency for sampled counties aggregated to three western and one eastern region. Analyses confirm substantial increases in federal land payments and a corresponding improvement in overall tax equivalency throughout the country. However, much of the improvement is due to increased federal payments to counties that were already tax equivalent. Regardless of region, tax equivalent counties are more frequently characterized by lower taxes than higher federal land payments. West. J. Appl. For. 20(1):50–57.
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Chen, Xiao Mei, i Shi Hong Zou. "A Secure Mobile Payments Protocol Based on ECC". Applied Mechanics and Materials 519-520 (luty 2014): 151–54. http://dx.doi.org/10.4028/www.scientific.net/amm.519-520.151.
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Owing to the limitations of mobile terminals and network bandwidth, the current Secure Electronic Transaction (SET) protocol can not be introduced into mobile payment directly. Present mobile payment system often uses symmetric encryption algorithm that may bring in some security risks. A new secure mobile payment protocol based on ECC was presented ,which ensures information flows from merchant to customer and enhances the security of customer’s information. Theoretical analysis shows that, ECC can not only meet the requirements of short key generation time, but also ensure that at the same time of cracking code the ratio of RSA and ECC key length is greater than 5:1. The number of signing the certificate verification, asymmetric and symmetric encryption of the new protocol is also lesser than SET protocol, so the current mobile terminal and network capabilities can support this protocol to ensure safe and effective mobile payment process.
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Kanniainen, Liisa. "Alternatives for banks to offer secure mobile payments". International Journal of Bank Marketing 28, nr 5 (27.07.2010): 433–44. http://dx.doi.org/10.1108/02652321011064926.
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Ahamad, Shaik Shakeel, V. N. Sastry i Siba K. Udgata. "A Secure Mobile Payment Framework in MANET Environment". International Journal of E-Business Research 9, nr 1 (styczeń 2013): 54–84. http://dx.doi.org/10.4018/jebr.2013010104.
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In this paper the authors propose a Secure Mobile Payment Framework in Multi hop Cellular Network environment (which is an integration of cellular networks and mobile ad hoc networks) using Mobile Agent technology and Digital Signature with Message Recovery (DSMR) mechanism based on ECDSA mechanism. Secure communication in Multi hop Cellular Networks is a nontrivial task because of lack of infrastructure, no prior trust relationships among nodes due to the absence of a centralized authority. Mobile Agent technology and Digital Signature with Message Recovery based on ECDSA mechanism provides secure mobile payments in Multi hop Cellular Networks. Mobile Agent technology has many benefits such as bandwidth conservation, reduction of latency, reduction of completion time, Asynchronous (disconnected) communications. Digital Signature with Message Recovery based on ECDSA eliminates the need of adopting PKI cryptosystems. The proposed protocol ensures Authentication, Integrity, Confidentiality and Non Repudiation, achieves Identity protection from merchant and Eavesdropper, achieves Transaction privacy from Eavesdropper and Payment Gateway, achieves Payment Secrecy, Order Secrecy, forward secrecy, prevents Double Spending, Overspending and Money laundering. The security properties of the proposed protocol have been verified successfully using BAN Logic, AVISPA and Scyther Tools and presented with results.
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Parmar, Prakashchandra, i Ketaki Sheth. "A STUDY ON DIGITAL PAYMENT SYSTEM USAGE BEHAVIOUR OF CUSTOMERS OF GUJARAT STATE". International Journal of Management, Public Policy and Research 2, nr 1 (23.02.2023): 129–35. http://dx.doi.org/10.55829/ijmpr.v2i1.121.
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The government of India is promoting the digital payments with the objective of to make seamless digital payments available to all Indian people in a way that is accessible, easy, affordable, rapid, and secure. Therefor this study is an attempt to know the digital payment usage behavior of customers of Gujarat state. The data is collected from primary sources through digital questionnaire and analyzed using IBM SPSS statistical software. This study concludes that majority of customers use digital payment system for daily and routine small amount transactions therefore it is suggested to the digital payment wallets or banks that they should offer strong security and privacy to attract and encourage customers to use digital payment system for other than small and routine transactions.
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Hassan, Md Arif, Zarina Shukur, Mohammad Kamrul Hasan i Ahmed Salih Al-Khaleefa. "A Review on Electronic Payments Security". Symmetry 12, nr 8 (12.08.2020): 1344. http://dx.doi.org/10.3390/sym12081344.
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Modern technology is turning into an essential element in the financial trade. We focus the emphasis of this review on the research on the E-wallet and online payment, which is an element of an electric payment system, to get the pattern of using this service. This research presents a review of 131 research articles published on electronic payment between 2010 and 2020 that uses a qualitative method of answering the research questions (RQ): RQ1: “What are the major security issues regarding using electronic payments”? and RQ2: “What security properties need to comply for secure electronic payments?” With the systematic literature review approach, the results show that interest in E-wallet and online payment has grown significantly during this period, and it was found that for the increasing uses of electronic payments, researchers are more focused on security issues. The results show that, to conquer the key gaps, electronic payment must have some protection properties, namely, availability, authorization, integrity, non-repudiation, authentication, and confidentiality. Nowadays, security problems in electronic payment are usually more demanding than the present security problems on the web. These findings can enable electric transaction providers to strengthen their security methods by boosting their security gaps, as required for relevant services.
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Padmakar Mahajan, Digambar, i Dr B. H. Barhate. "ARTIFICIAL BANKING PAYMENT SECURITY SECURE ATM CARD PAYMENT SYSTEM". International Journal of Engineering Applied Sciences and Technology 7, nr 11 (1.03.2023): 21–22. http://dx.doi.org/10.33564/ijeast.2023.v07i11.003.
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-Although new methods are being used in the banking sector today, scams are happening on a large scale these days, the main one being OTP share. OTP is used when making money with ATM card. This OTP banking sector sends to the card holder's mobile number and payments are made using it. With all the options available, such scams require a different approach to the banking sector or an important method, namely, when the bank sends OTP when making payments, a system such as face detection or face identification should be created, in which the bank sends OTP. Face detection or face identification of the person paying the money through a system will be done by taking a photo of the face and putting it on the bank and the bill, so that the card holder will know who is paying the money.
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Kumar, Sumit. "Wi-Fi Security Card (WCS): A Novel Approach for Secure Payment System". CGC International Journal of Contemporary Technology and Research 3, nr 2 (16.07.2021): 158–61. http://dx.doi.org/10.46860/cgcijctr.2021.06.31.158.
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The latest technology is turning into a vital element in financial business. This paper presents a proposed system called Wi-Fi Security Card (WCS) based on the very common and growing problem of electronic transaction fraud in the countries of India. To solve such problems, we have proposed a novel secure payment method known as Wi-Fi Security Card (WCS). In this paper, we also compared the WCS system to another existing system called Dropped Card Detection (DCD) and Microcontroller and Sensors (MAS). The main advancement of our system over the existing system is that WCS can also prevent fraudulent transactions. Nowadays, security issues in e-payments are usually more demanding than current security issues on the internet. Our findings may enable e-transaction providers to extend their secure payment systems by increasing their protection as necessary for appropriate financial services.
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Tarasova, Irina Vitalievna. "VIRTUAL DEBIT CARDS AS A TOOL FOR SECURE PAYMENTS". Vestnik obrazovatel'nogo konsortsiuma Srednerusskii universitet. Informatsionnye tekhnologii, nr 1 (2021): 62–64. http://dx.doi.org/10.52374/82452045_2021_17_1_62.
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S. Britto Ramesh Kumar, i S. Albert Rabara. "An Architectural Design for Secure Mobile Remote Macro-Payments". Journal of Next Generation Information Technology 1, nr 2 (31.08.2010): 75–84. http://dx.doi.org/10.4156/jnit.vol1.issue2.7.
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Dunphy, P., A. Monk, J. Vines, M. Blythe i P. Olivier. "Designing for Spontaneous and Secure Delegation in Digital Payments". Interacting with Computers 26, nr 5 (21.08.2013): 417–32. http://dx.doi.org/10.1093/iwc/iwt038.
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Espeleta, Rina Marie. "Utilization of Standard Electronic Payment System among Private Higher Education Institutions in the Province of Albay". JPAIR Multidisciplinary Research 50, nr 1 (3.10.2022): 140–58. http://dx.doi.org/10.7719/jpair.v50i1.571.
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Electronic Payment Systems, the transfer of funds through electronic or digital mediums. Several electronic payment options are available, including mobile wallets, bank cards, and mobile banking. Electronic payments are quick and efficient, and the fund transfer occurs instantly. Electronic payments are quickly gaining popularity in the Philippines, giving students a secure and practical means to pay for enrolment fees and other educational costs as schools adopt alternative learning techniques. The purpose of this research is to determine the status of electronic payment in the selected Private Higher Education Institutions (PHEIs) in the second district of Albay and propose a systematic model that HEIs can adopt to lessen the costs and risks of handling cash transactions. The study used a mixed method, the qualitative and quantitative research design, to analyze and hence boost the validity of the data. According to the data presented, the GCASH application is one of the most used applications when paying online. It is more accessible and less hassle to use. Furthermore, using the Kendall Coefficient of Concordance, the perception of the selected private HEIs has shown a significant correlation to each other, resulting in a rare use based on the data analysis. The selected private institutions currently take electronic payments. Still, they have not yet thought about giving students and parents the most control over those payments online, and schools are still adapting electronic payment systems.
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Parmar, Prakashchandra, i Ketaki Sheth. "DIGITAL FINANCIAL TRANSACTION USAGE AND DEMOGRAPHICS OF CUSTOMERS: EVIDENCE FROM GUJARAT". VIDYA - A JOURNAL OF GUJARAT UNIVERSITY 2, nr 1 (23.02.2023): 91–96. http://dx.doi.org/10.47413/vidya.v2i1.138.
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The digital payments are promoted with the objective of to make seamless digital payments available to for customers in a way that is accessible, easy, affordable, rapid, and secure. Therefor this study is an attempt to know the use of digital financial transaction by customers of Gujarat state. The data is collected from primary sources through digital questionnaire and analyzed using IBM SPSS statistical software. This study concludes that majority of customers use digital transactions but still there are some customers who didn’t prefer to use it, therefore it is suggested that the digital payment platforms or banks or researchers should identify the reasons for not using the digital financial transaction.
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Bitner, Irina, i Serhii Viazovyi. "DETERMINATION OF PROSPECTIVE DIRECTIONS FOR IMPROVEMENT OF CASHLESS CALCULATIONS AND THEIR STANDARDIZATION FOR THE UKRAINIAN PAYMENTS MARKET". Financial and credit systems: prospects for development, nr 1 (15.04.2022): 62–69. http://dx.doi.org/10.26565/2786-4995-2022-1-06.
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The current state of the banking system takes place in conditions of high competition and rapid development of innovative innovations in the field of payments. Secure and efficient payments are crucial for users, banks and the economy as a whole. That is why an important and urgent task for the state and the banking system is to understand and form a clear course for the introduction of new types of calculations. Today, the trend is non-cash payments that are increasingly pushing cash out of circulation. The paper describes the definition of "non-cash payments" and their functioning in the light of national experience. The process of regulation of settlements by the regulatory framework in Ukraine was considered. An analysis of the self-regulation of the payment industry and the principles of its implementation in foreign countries was conducted. The current state of non-cash payments in banks and financial institutions of Ukraine is given. The article considers new forms of non-cash payments that are already used abroad in developed countries and the possibility of their introduction and standardization in the Ukrainian financial and banking sector. An analysis of the state of use of plastic payment cards and modernization in Ukraine was conducted. Different types of PoS-terminals are also characterized and their comparative characteristics are carried out. The possibility of using non-cash payments using mobile devices and the Internet has been studied. The use of telephones for payment has led to significant changes in the systems of receiving and transmitting money over the Internet. In turn, there is a problem, which is that not everywhere you can access the network to make payments. In this regard, the world's leading countries use the USSD service. The analysis of the impact of positive and negative aspects of the use of new types of non-cash payments and analyzes their impact on the economic condition of Ukraine after the introduction of these opportunities in the banking market. The paper presents the impact of the demographic situation and customer habits on the use of non-cash payments in Ukraine.
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John William, Alfred Daniel, Santhosh Rajendran, Pradish Pranam, Yosuva Berry, Anuj Sreedharan, Junaid Gul i Anand Paul. "Blockchain Technologies: Smart Contracts for Consumer Electronics Data Sharing and Secure Payment". Electronics 12, nr 1 (31.12.2022): 208. http://dx.doi.org/10.3390/electronics12010208.
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Blockchain may be an optimal solution when a detailed and transparent record of assets is necessary. It is imperative to manage and safeguard digital interactions or maintain a decentralized and shared system of records in applications, such as those used for electricity production, transmission, distribution, and consumption and those used for data sharing and secure payments. Such applications can benefit from blockchain technology to resolve these problems. In the proposed blockchain-based consumer electronics data sharing and safe payment framework, an innovative IoT meter detects monthly consumption and transmits the data to a decentralized application that is stored in the blockchain. This decentralized platform will generate the bill and provide incentives for legitimate consumers. Finally, the end-to-end latency and throughput were used to evaluate the performance of the proposed approach.
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Kredina, A., A. Akparova i L. Vasa. "Analysis Of The Dynamics Of Cashless Payments In Kazakhstan In The Context Of The Covid-19 Pandemic". Economics: the strategy and practice 16, nr 2 (12.07.2021): 54–61. http://dx.doi.org/10.51176/1997-9967-2021-2-54-61.
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The COVID-19 pandemic has accelerated the development of FinTech and the transition to cashless payments of the population of various countries, including Kazakhstan. For provision of cashless payments there are created platforms which work in NFC & MFS systems, they protected by security protocols (Secure Element (SE)) and allow to store confidential user data. Changes in the business model of banks have led to the emergence of a new format of banking products and services that can be used through smartphones (the main operating systems Android and iOS). The goal of the study is to analyze the dynamics of the impact of the COVID-19 pandemic on the use of cashless payments through national payment systems in Kazakhstan. Based on the goal, a null and an alternative hypothesis were set, of which the second was confirmed in the result. Research methods used to write this article are economic and statistical analysis and synthesis, graphical method, analysis of the series of dynamics. The data for the study was taken from the NBK Statistical Bulletin: data on cashless payments through the Interbank System of Money Transfer (ISMT) and the Interbank Clearing System (ICS) for the period from 2002 to 2020. The impact of the COVID-19 pandemic on the dynamics of the transformation of cashless payments made by using financial technologies has been proved. Recommendations for further improvement of the financial system are given. The development of national payment systems makes it possible to reduce the level of fraud in the financial sector, to increase the speed of cashless transfers and level out transaction errors. Study limitation: only national payment systems ISMT and ICS were used.
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Haga, Shinya, i Kazumasa Omote. "IoT-Based Autonomous Pay-As-You-Go Payment System with the Contract Wallet". Security and Communication Networks 2021 (24.09.2021): 1–10. http://dx.doi.org/10.1155/2021/8937448.
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In recent years, increasingly many companies have entered the pay-as-you-go business because it has become easier to monitor services constantly due to the development and increase in the number of Internet of Things (IoT) devices. Research is in progress to introduce cryptographic assets into the payment, but if a private key is stolen, the cryptographic assets associated with it can be stolen. To address this issue, this paper proposes a secure automated payment system using contract wallets. This method ensures the security of cryptographic assets even if the private key is stolen. Secure automated payments are enabled by issuing transactions from IoT devices and using internal transactions to link contract wallets and smart contracts that handle the payment of cryptographic assets. Furthermore, the effectiveness of the proposed system is demonstrated on the Ethereum blockchain as a proof of concept, and the cost of gas is measured.
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Ahmet Kurt, Suat Mercan, Enes Erdin i Kemal Akkaya. "3-of-3 multisignature approach for enabling lightning network micro-payments on IoT devices". ITU Journal on Future and Evolving Technologies 2, nr 5 (23.07.2021): 53–67. http://dx.doi.org/10.52953/wzpc8083.
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Bitcoin's success as a cryptocurrency enabled it to penetrate into many daily life transactions. Its problems regarding the transaction fees and long validation times are addressed through an innovative concept called the Lightning Network (LN) which works on top of Bitcoin by leveraging off-chain transactions. This made Bitcoin an attractive micropayment solution that can also be used within certain IoT applications (e.g., toll payments) since it eliminates the need for traditional centralized payment systems. Nevertheless, it is not possible to run LN and Bitcoin on resource-constrained IoT devices due to their storage, memory, and processing requirements. Therefore, in this paper, we propose an efficient and secure protocol that enables an IoT device to use LN's functions through a gateway LN node even if it is not trusted. The idea is to involve the IoT device only in signing operations, which is possible by replacing LN's original 2-of-2 multisignature channels with 3-of-3 multisignature channels. Once the gateway is delegated to open a channel for the IoT device in a secure manner, our protocol enforces the gateway to request the IoT device's cryptographic signature for all further operations on the channel such as sending payments or closing the channel. LN's Bitcoin transactions are revised to incorporate the 3-of-3 multisignature channels. In addition, we propose other changes to protect the IoT device's funds from getting stolen in possible revoked state broadcast attempts. We evaluated the proposed protocol using a Raspberry Pi considering a toll payment scenario. Our results show that timely payments can be sent and the computational and communication delays associated with the protocol are negligible.
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Yuniati, Trihastuti, i Iqsyahiro Kresna A. "Secure Electronic Payment Methods for Online Shopping Based on Visual Cryptography". Jurnal RESTI (Rekayasa Sistem dan Teknologi Informasi) 4, nr 2 (20.04.2020): 319–28. http://dx.doi.org/10.29207/resti.v4i2.1732.
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Phishing and identity theft are common threats of online shopping. Phishing is an attempt to steal personal data from legitimate user. In this paper we propose a secure e-payment method using a credit card based on visual cryptography. This method adopts the existing 3D-Secure technology. Visual cryptography is applied in: user-merchant authentication, user-card provider authentication, user-card issuer authorization. It is applied to captcha image generated by merchant during registration using (2, 2) scheme with 2-subpixel expansion, to a text file containing credit card information sent by merchant to the card provider using (2, 2) scheme with pixel replacement, and to quick response code containing one-time-password that is used to authorize the payment transaction using (2, 2) scheme with 4-subpixel expansion. The test results show that out of 100 trials, all of them give 100% true positive. This indicates that the method is able to prevent phishing and identity theft, in sense of authentication, authorization, confidentiality, and integrity are gained. Phishing can be prevented because only legitimate participant who has an image share. Identity theft can be prevented because credit card details are not stored in the merchant’s database. Authorization is more guaranteed because only authenticated user can authorize the payments.
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Prawira, Khairul Thamrin, Amelia Makmur i Handri Santoso. "Enterprise Architecture for Payment System Industry in Industrial Era 4.0". Sinkron 8, nr 1 (17.01.2023): 517–25. http://dx.doi.org/10.33395/sinkron.v8i1.11933.
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Today online payments are in demand by most people. Because of the practicality of making payments digitally. This phenomenon has encouraged many industries in the field of finance to make breakthroughs in technology to develop marketing through platforms that have been built. Of course, the platform that is built is a platform that is following the business process requirements of the company. Business processes in the finance industry have become a digital payment platform, making companies in the finance sector carry out digital transformations. Processes that have been carried out manually have been replaced with digital and online processes that bring many opportunities to the finance industry. At the same time creating market opportunities for the company. Thus creating a very broad market for companies carrying out digital transformation. Communities benefit from the changes made by the company. The benefit is that people do not need to make payments or transfer funds. No need to queue up payments at the bank or payment counters. By simply clicking on the smartphone, the payment can go directly to the intended account. This revolution in digital finance transformation has both positive and negative impacts. Positive impacts such as the ease of transferring funds, and negative impacts if the company does not carry out protection or cyber security will have an impact on the company and the user community. Therefore, finance companies must protect or secure data while using the payment platform. A lot of education is done for the people who use the payment platform, where the platform must always update the version. For this reason, payment platform provider companies must be able to make continuous changes. Continuous improvement and continuous development make it a must for payment system service operator companies. Related to the description above, payment system companies must implement Enterprise Architecture for the benefit of the company. The result of Enterprise Architecture is a blueprint of all company production components or an Information Technology Blueprint. This is the goal of research on payment systems for companies carrying out digital transformation
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Hakke, Harshad, Abhishek Bharati, Akshay Ranit i S. R. Khonde. "Blockchain Based Payment Method for Secure Transactions". International Journal for Research in Applied Science and Engineering Technology 10, nr 12 (31.12.2022): 835–40. http://dx.doi.org/10.22214/ijraset.2022.48008.
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Abstract: Blockchain is a type of distributed ledger that sits on the internet for recording transaction and maintaining a permanent and verifiable record-set of information. Token was created to reduce the government's control over cross-border transactions and to speed up the transaction process by removing the need for third-party intermediaries, Blockchain, on the other hand, provides a secure environment that token needs for peer-to-peer transactions. In other words, blockchain acts as bitcoin's ledger and maintains all the transactions of token. Token has a high degree of anonymity. Though the transactions are visible, it is close to impossible to identify the user. It is the purely peer-to-peer version of electronic cash would allow online payments to be sent directly from one party to another without going through a financial institution. Digital signatures provide part of the solution, but the main benefits are lost if a trusted third party is still required to prevent double spending or high security. We propose a solution to the double-spending problem
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Aksoy, Burak Yakup, i Rayan Abri. "Exploring the Potential of Decentralized Currency for E-Commerce: Case Study of an E-Commerce Website Using Decentralized Currency". International Conference on Pioneer and Innovative Studies 1 (13.06.2023): 351–56. http://dx.doi.org/10.59287/icpis.855.
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The purpose of this project is to develop Crypto Market, an innovative online shopping site thataccepts Ethereum payments using Web3 technologies. The approach included using ReactJS for front-enddevelopment, integrating WalletConnect and MetaMask for secure purchases, and using the PostgreSQLdatabase with the Django Rest framework for efficient data management. The goal was to create an easyto-learn interface that would appeal to a wide range of users. The main results of the project were thesuccessful integration of WalletConnect and MetaMask, which allow users to securely transfer Ethereumfrom their personal wallets to the site’s pool wallet with minimal transaction fees. The integration ofCoinGecko has increased transparency for customers by showing them the real-time dollar equivalent ofthe Ethereum price on product pages. Additionally, the existence of a membership system enabled userregistration and facilitated store opening requests, providing access to a dedicated panel for productmanagement for approved vendors. Important results from this research show that Web3 technologies offera secure shopping experience using Ethereum. WalletConnect and MetaMask integration provided areliable environment for transactions, minimizing the risk of failed or incorrect payments. The successfuladoption of cryptocurrency as a payment method in the context of online shopping highlights the potentialof decentralized finance in traditional e-commerce applications. In summary, the Crypto Market projectdemonstrates the advantages and feasibility of incorporating cryptocurrency payments into online shoppingsites. With this research, it has been revealed that cryptocurrencies should be more involved in commercialtransactions and that they are a system that can be easily integrated.
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Immerzeel, Walter, Jetse Stoorvogel i John Antle. "Can payments for ecosystem services secure the water tower of Tibet?" Agricultural Systems 96, nr 1-3 (marzec 2008): 52–63. http://dx.doi.org/10.1016/j.agsy.2007.05.005.
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Nurcahyanie, Yunia Dwie, Eva Rosita, Patria Winahyu Binantoro i Suharyanto Suharyanto. "AStudy on Customer Acceptability of Online Payment Systems in Indonesia". Tibuana 5, nr 01 (31.01.2022): 24–33. http://dx.doi.org/10.36456/tibuana.5.01.4980.24-33.
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The finance industry is increasingly promoting innovation as a means of growth. It is thought to have created advancements that make transactions easier for users through the mobile banking function. The customer's adoption is also aided by several internal elements at the customer's disposal. This is a quantitative study in Indonesia to determine the link between perceived helpful factors, perceived ease of use, attitude toward usage, and behavioural intention. The data analysis approach used in this study is SEM-PLS. For example, consumer attitude and behaviour, the attitude variable in mobile banking may streamline the transaction process, feels enjoyable, and is easy to use, whereas the online payment application feels simple and ensures its anonymity. Users will find it simple to use the program for online payments, transactions will be secure, and payments for online shops will be considerably more manageable.
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Siti Aisyah, Nia Andriani, Niken Rahmadyah, Deby Novriansyah, Amelia Putri i Elsa Mayori. "Implementasi Teknologi Financial Dalam Qris Sebagai Sistem Pembayaran Digital Pada Sektor Umkm Di Kota Binjai". Jurnal Pengabdian kepada Masyarakat Indonesia (JPKMI) 3, nr 1 (13.04.2023): 12–18. http://dx.doi.org/10.55606/jpkmi.v3i1.925.
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Increasing, resulting in several changes fo;;owed by technological devlopments in the industrial revolution. One form of progress in internet technology is the use of financial technology in payment systems where payment transaction methods are facilitated by the phenomenon of a cashless society or payments using electronic money. MSMEs also experience this impact which emphasizes the importance of internet use. QRIS is the latest innovation in digital payments, namely the Quick Response Code Indonesian standard. QRIS, which was intiated by Bank Indonesia, provides convenience intransactions anywhere and anytime. This study aims to find out how the implementation of financial technology in QRIS as a Digital Payment System in the MSME Sector in Binjai Cuty. This research uses qualitative descriptive method. Data collection techniques, namely using observation, interviews, documentation and literature studies which will be analyzed through the author’s observations to answer the formulation of the research that the researcherts conducted in order to socialize the implementation of the use of QRIS in several MSMEs in the city of Binjai, namely street vendors such as Dayana Ponsel, Seafood Meatball Traders, Takoyaki Kimono, Geprek Chicken Vendors Adek Sri who are in the city Binjai. Through the interview method of several respondents from street vendors, the results of the study proved that 20% of MSME actors already use the the payment system using QRIS, but 80% of MSME traders do not know what QRIS is. QRIS helps merchants (MSMEs) to make payments mor ppractical, fast and secure and with the convenience of these transactions people choose to shop and will indirectly increase income for MSME players.
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Shadlou, Saeed, Ng Jie Kai i Abdolreza Hajmoosaei. "Online Payment via PayPal API Case Study Event Registration Management System (ERMS)". International Journal of Web Portals 3, nr 2 (kwiecień 2011): 30–37. http://dx.doi.org/10.4018/jwp.2011040104.
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PayPal is an international payment gateway allowing businesses and individuals to transfer funds in a secure manner over the Internet. Using PayPal to accept payments has several advantages for online merchants. It is a recognized brand when it comes to Business to Consumer (B2C) transactions, creating a business account with PayPal is easier and faster, and finally, PayPal lends its name to the transaction, so customers may feel more comfortable entering into a transaction with a previously unknown merchant. Besides the mentioned advantages, PayPal’s transaction dispute system requires a tracking number from a shipped package to respond to a customer dispute. If the product is purely electronic (a download or access to a site, for example), one’s response to disputes will be quite limited. The solution for the problem mentioned above is PayPal API. The PayPal API resolves Pay Pal drawback through maintaining card and bank account payment schedules without the liability of warehousing payment data also processing one-time and recurring payments. For the evaluation of Pay Pal API, the authors develop an Event Registration Management System (ERMS). ERMS serves as a platform for users to make registrations for events such as conferences, seminars, and workshops.
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Hampshire, Chris. "A mixed methods empirical exploration of UK consumer perceptions of trust, risk and usefulness of mobile payments". International Journal of Bank Marketing 35, nr 3 (15.05.2017): 354–69. http://dx.doi.org/10.1108/ijbm-08-2016-0105.
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Purpose The purpose of this paper is to explore UK consumer perceptions of trust, risk and perceived usefulness of mobile payments through the use of sequential mixed methods. Design/methodology/approach A post-positivist philosophy is used with a social constructionist ontology with a questionnaire as the first survey instrument using an empirical sequential mixed methods approach. Summary quantitative analysis of the questionnaire data is undertaken followed by semi-structured interviews that produce qualitative data on which content analysis is undertaken to assess and explore UK consumer perspectives. The technology acceptance model is used as the underlying framework on which a conceptual model is developed. Findings UK consumers have significant risk and trust concerns with mobile payments, although these concerns can be overcome when clear consumer benefits are identified whilst bank supported mobile payments have an increased level of trust compared to new market entrants and other established companies. Furthermore, perceived trust positively influences perceived usefulness and mitigates perceived risk, whilst perceived risk negatively influences perceived usefulness. In addition, perceived usefulness significantly and positively influences UK consumer attitude which can lead to adoption. Research limitations/implications Whilst 120 completed questionnaire responses are received, only 101 questionnaires are used for analysis. In addition, ten semi-structured interviews are undertaken using a purposeful sample to minimise any imbalance (Oakley, 1981) which increases the reliability of the research findings (Hackley, 2003). This mobile payments research does not have a statistically secure universalisation of the findings, which negates the application of these research findings to other groups and to different social settings (Lincoln and Guba, 1985). Practical implications Mobile payment organisations will need to focus on identifying the specific benefits of mobile payments to UK consumers as mitigating risk and increasing trust do not compensate for the absence of usefulness. Social implications UK consumers indicate a lack of awareness of existing contactless payment guarantees provided by UK banks, although these payment guarantees significantly increase UK consumer trust. Originality/value Both quantitative and qualitative empirical data are obtained on UK consumer perspectives of risk, trust and perceived usefulness of mobile payments using sequential mixed methods.
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Casado-Aranda, Luis-Alberto, Francisco Liébana-Cabanillas i Juan Sánchez-Fernández. "A Neuropsychological Study on How Consumers Process Risky and Secure E-payments". Journal of Interactive Marketing 43 (sierpień 2018): 151–64. http://dx.doi.org/10.1016/j.intmar.2018.03.001.
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Liang, Shihan. "The Future of Finance: Fintech and Digital Transformation". Highlights in Business, Economics and Management 15 (28.06.2023): 20–26. http://dx.doi.org/10.54097/hbem.v15i.9222.
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The realm of financial technology, or fintech, has been increasingly gaining attention and interest as it pertains to the integration of technology in financial services. This paper endeavors to provide an overview of various facets of fintech, including its impact on online payments, Peer-to-Peer (P2P) lending, Robo-advice, and blockchain technology. One significant effect of fintech is observed in the area of online payments, where traditional banking methods are being substituted with more advanced online payment systems. Fintech has emerged as a promising solution to the challenge of convenient, secure, and fast payment transactions for goods and services. P2P lending, another fintech innovation, enables borrowers to obtain loans without having to go through traditional financial institutions. This process has been simplified and made more accessible through the use of fintech platforms that connect borrowers with lenders. The paper also addresses the use of Robo-advice in fintech, which utilizes algorithms and artificial intelligence to provide financial advice to clients. Robo-advice technology has increased accessibility to financial advice for a more extensive range of people, reducing the barriers that might have limited access to this type of financial service. Finally, this paper examines the importance of blockchain technology in fintech, with its potential to streamline processes and ensure security in financial transactions. The decentralized nature of blockchain technology offers a robust solution to financial security, ensuring that transactions are secure, transparent, and immutable. In conclusion, the essay underlines the transformative potential of fintech in the financial industry with its numerous innovations.
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Slepova, Oksana. "Security and Privacy of Mobile Payments". NBI Technologies, nr 3 (luty 2020): 25–30. http://dx.doi.org/10.15688/nbit.jvolsu.2019.3.4.
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The latest smartphones make life easier for their customers. Mobile banking in smartphones is no longer news, but users are just getting used to the opportunity to pay for a purchase by touching the gadget to the terminal using the contactless payment technology. Going into the digital world is fraught with the illusion of security: a smart gadget stands up for itself. But this is true only partly – security depends primarily on the behavior of the user. Therefore, no matter what financial applications are installed on your smartphone, you first need to master the safety technique of mobile payments. As a result of the study, it is necessary to conclude that payment applications should not think about their own solutions, but only need to properly configure the work of pre-installed solutions in smartphones, as well as: 1) regularly check your devices for malicious software; 2) do not enter card data on other people’s computers and smartphones; 3) use stores that use a secure HTTPS connection; 4) to pay for online purchases, it is better not to use your main card, but to have a virtual card.
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Zholubak, Ivan, i P. Kurman. "Contactless payment system based on NFC technology". Computer systems and network 4, nr 1 (16.12.2022): 28–36. http://dx.doi.org/10.23939/csn2022.01.028.
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The article investigates the system for contactless payments using NFC technology. The practice of acquiring as a method of trade that increases the attractiveness of the business for the client and simplifies the process of trade for owners and employees. The relevance of such a system in Ukraine and prospects for its development are determined. The availability of such systems on the market, combinations of systems that allow to obtain the same attractiveness for business and customers are analyzed. Although such systems attract customers to the business, the number of services that can provide relevant services to the customer or business remains small, and ready-made solutions that combine functionality for both customer and seller have not yet been found. The aim of the article is to present the stages of development of contactless payment systems that transfer data between client applications using NFC technology and a server based on microservice architecture. The article presents a system of contactless payments based on NFC technology, its structure and algorithm. It is stated that the principle of operation is to receive and transmit data from two end customers of the system to one of the payment systems in a certain order, which allows secure execution of payment transactions.
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Baltoi, Ion-Costel-Marius. "Analysis of Blockchain Based Prototype for Electronic Payments". Volume 5 - 2020, Issue 8 - August 5, nr 8 (8.09.2020): 1244–49. http://dx.doi.org/10.38124/ijisrt20aug732.
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Technological development offers more and more opportunities for people to make electronic payments. From payments via credit / debit cards, then payments via mobile or IoT devices to payments via blockchain technology, they are constantly evolving and becoming simpler, faster, more convenient and more secure. This paper aims to address a number of issues such as the benefits and challenges of payments through blockchain technology. Also, based on the analysis of a developed prototype, the paper will present the sequence of blockchain money transfer operations, the possible states of a transaction, as well as the information that will be processed and stored so that the transfer is successfully completed. The research methodology is qualitative; In this sense, we conducted a research of the resources available at this time and addressing the subject of electronic payments based on blockchain technology and, in parallel, the paper will follow the analysis of the prototype developed so that the results are as objective and consistent with practical use.
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Farahani, Tayebeh, i Amir Abedini Koshksaray. "The Impact of Prices on the Demand for E-Payment Services". International Journal of Innovation in the Digital Economy 5, nr 3 (lipiec 2014): 71–77. http://dx.doi.org/10.4018/ijide.2014070106.
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In this study, the effect of pricing various payment transactions on the degree of their adoption has been studied by comparing payments in Norway (a country with transaction pricing) and Iran (a country without transaction pricing) through simultaneous equations. The results of estimating equation of payment services demands refer to the negative of price and positive effect of POS, ATMs, and income on the level of using such services. In addition, results indicate replacement of ATM and POS services. According to the findings, for decreasing liquidity in the society, the Central Bank can play a significant part by offering public training and necessary cultural and social ground among different social groups for using credit cards, and easy and secure access of POSs to the central SHETAB system.
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Мартынов i V. Martynov. "Innovative Environment and Development Prospect of NFC and In-App Payments in New Technological Way". Economics 4, nr 6 (9.12.2016): 79–84. http://dx.doi.org/10.12737/22932.
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The article considers an open innovative environment in which there is NFC and
In-App Payments, their development prospects, the pros and cons of these
systems, their place in the sixth technological way, gives concepts of NFC, In-App
Payments, considers the technology of contactless payments, the principle
of operation of the device with a Secure Element NFC and Host Card Emulation
technology, sanctifies the issue of the security of NFC devices, methods
of protection against attacks on the device, the use of NFC in other electronic
media. Comparative characteristics depending on the situation, NFC and In-App
Payments are given. The article shows the global Informatization of our society
in the sixth technological way.
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Zhong, Xiaoqing, Yi Liu, Kan Xie i Shengli Xie. "A Local Electricity and Carbon Trading Method for Multi-Energy Microgrids Considering Cross-Chain Interaction". Sensors 22, nr 18 (14.09.2022): 6935. http://dx.doi.org/10.3390/s22186935.
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The objective of this paper is to propose a local electricity and carbon trading method for interconnected multi-energy microgrids. A local electricity market and a local carbon market are established, allowing microgrids to trade electricity and carbon allowance within the microgrid network. Specifically, excessive electricity and carbon allowance of a microgrid can be shared with other microgrids that require them. A local electricity trading problem and a local carbon trading problem are formulated for multi-energy microgrids using the Nash bargaining theory. Each Nash bargaining problem can be decomposed into two subproblems, including an energy/carbon scheduling problem and a payment bargaining problem. By solving the subproblems of the Nash bargaining problems, the traded amounts of electricity/carbon allowance between microgrids and the corresponding payments will be determined. In addition, to enable secure information interactions and trading payments, we introduce an electricity blockchain and a carbon blockchain to record the trading data for microgrids. The novelty of the usage of the blockchain technology lies in using a notary mechanism-based cross-chain interaction method to achieve value transfer between blockchains. The simulation results show that the proposed local electricity and carbon trading method has great performance in lowering total payments and carbon emissions for microgrids.
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Arshadi, Nasser. "Blockchain Platform for Real-Time Payments: A Less Costly and More Secure Alternative to ACH". Technology & Innovation 21, nr 1 (31.10.2019): 3–9. http://dx.doi.org/10.21300/21.1.2019.3.
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This paper examines the historical development of banking and automated clearing house legacy systems and offers blockchain platform for real-time payments as an alternative. Institutions with legacy systems resist disruptive change unless there are demands by businesses and customers and an opportunity for new products at reduced costs and additional revenues. Although the Automated Clearing House (ACH) in the U. S. has phased in a twice-a-day clearing and settlement system, it is still behind real-time models in use in several other countries. ACH uses individual clearance and settlements for large payments and batches for smaller transactions. Using ACH data, this paper calculates the annual opportunity cost of using a real-time model such as blockchain versus ACH's discrete, twice-a-day clearance and settlement procedure. For 2016, the real-time protocol would have resulted in benefits for businesses and customers of $10 billion.