Credit based electronic payment systems are considered to play important roles in future automated payment systems Like most other types of payment systems however credit based systems proposed so far generally involve computationally expensive cryptographic operations Such relatively heavy computational load is preventing credit based systems from being used in applications that require very f...

In this paper, we propose an electronic ordering and payment system with embedded devices to improve a conventional manned ordering and payment method using a POS system for quick and easy ordering and payment. Embedded devices as thin clients of the proposed system can be placed on each table, and a user can choose a menu and can check his payment from the screen easily. After a user completes...

Mobile payment is crucial for, but not limited to mobile commerce. But a role as an established payment system still seems to be a distant prospect for it. In this paper we examine the basic conditions to mobile payment with special regard to the European market. Based on this, we analyze the current deadlock on the mobile payment market in order to develop a set of requirements to an integrati...

Micro-payment systems have the potential to provide non-intrusive, high-volume and low-cost pay-asyou-use services for a wide variety of web-based applications. We proposed a new model, P2P-NetPay, a micro-payment protocol characterized by off-line processing, suitable for peer-to-peer network service charging. P2P micro-payment systems must provide a secure, highly efficient, flexible, usable ...

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The Payments System Board of the Reserve Bank has responsibility for, among other things, promoting stability, efficiency and competition in the payments system. In respect of retail payment systems, the Board’s work has focused on: establishing clearer price signals to cardholders; removing restrictions on merchants that limit their choices in accepting payment instruments; improving access to...