نتایج جستجو برای: electronic payment instruments

تعداد نتایج: 309564  

2004
Hao Wang Heqing Guo

It has been widely accepted that fairness is a critical property for electronic commerce. Fair payment protocol is designed to guarantee fairness in a payment process over asynchronous network. Fairness means that when the protocol terminates, either both parties get their expected items, or neither does. In this paper we first present a new generic offline fair payment protocol with fairness, ...

2015
Jacques Holst Martin Kjeldsen Jonas Hedman Felix B. Tan

Over the last decade, we have witnessed payment innovations that fundamentally have changed the ways we pay. Payment innovations, such as mobile payments and on-line banking, include characteristics or features that are essential to understand if we want to know how and why payers choose among payment innovations. Using the Repertory Grid technique to explore 15 payers’ perception of six paymen...

A. Zaghian M. J. Hashemi

Two parties that conduct a business transaction through the internet do not see each other personally nor do they exchange any document neither any money hand-to-hand currency. Electronic payment is a way by which the two parties transfer the money through the internet. Therefore integrity of payment and order information of online purchase is an important concern. With online purchase the cust...

2012
Shiva Zokaee Babak Ebrahimi Mostafa Ghazizadeh

Abstract: As moving businesses from face-to-face trading, mail order and telephone order to electronic commerce over open networks such as the Internet, there be an exponentially growth in electronic payment transactions. Therefore, monitoring and evaluating the current electronic payment systems greatly affects the efficiency of money transactions, trades and, finally, the overall economy of t...

Journal: :Journal of Research and Practice in Information Technology 2004
Steven Guan Sin Lip Tan Feng Hua

With the explosive growth of the Internet, electronic-commerce (e-commerce) is an increasingly important segment of commercial activities on the web. The Secure Agent Fabrication, Evolution & Roaming (SAFER) architecture was proposed to further facilitate e-commerce using agent technology. In this paper, the electronic payment aspect of SAFER will be explored. The Secure Electronic Transaction ...

1997
Jan L. Camenisch Jean-Marc Piveteau Markus A. Stadler

The underlying model of an electronic payment system consists of three parties: a bank, a customer, and a shop. There are three different types of transactions within the system: withdrawal involving the bank and the customer, payment involving the customer and the shop, and deposit involving the shop and the bank. The customer's account is debited during withdrawal, and the shop is credited du...

2007
David Emery Tim West Darren Massey

Understanding how individuals pay for goods and services is a key input into the Reserve Bank’s review. It is important for making assessments about the potential for substitution between various payment methods and, combined with data on the cost of running individual payment systems, can help provide an indication of the aggregate costs of the payments system. This study should also assist th...

2004
Sujit Chakravorti Roberto Roson

In this article, we construct a model to study competing payment networks, where networks offer differentiated products in terms of benefits to consumers and merchants. We study market equilibria for a variety of market structures: duopolistic competition and cartel, symmetric and asymmetric networks, and alternative assumptions about consumer preferences. We find that competition unambiguously...

2002
Ross J. Anderson

Many existing and proposed electronic payment systems are quite insecure and the number of claims involving fraudulent or disputed transactions is rising steeply. The banks’ recent action in limiting customers’ liability for such transactions through automatic teller machine (ATM) systems to £50 may in practice limit ATM claims to those cases where consequential losses are involved, but growing...

2010
Gerald Draxler Johannes Sametinger Andreas Wiesauer

We will evaluate electronic payment (ePayment) systems by employing a use-value analysis. The key success factors of ePayment systems are security and flexibility. Not surprisingly, it turns out, that there is neither a "best" nor a "most secure" ePayment system. The adequacy of these systems depends on the application context. A use-value analysis is an appropriate and easy to use evaluation m...

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