In this paper, we propose an Internet payment system which uses a payment gateway to handle the credit card payment transaction between customers, merchants and banks. To test and evaluate the payment system, we build an online travel agency called E-Travel, which simulates a real-life E-Payment application. On-line travel services including flight reservation, selling of travel accessories, to...

Recent analyses of ancient Mesopotamian mitochondrial genomes have suggested a genetic link between the Indian subcontinent and Mesopotamian civilization. There is no consensus on the origin of the ancient Mesopotamians. They may be descendants of migrants, who founded regional Mesopotamian groups like that of Terqa or they may be merchants who were involved in trans Mesopotamia trade. To ident...

Collecting accurate pro le information and protecting an individual's privacy are ordinarily viewed as being at odds. This paper presents mechanisms that protect individual privacy while presenting accurate|indeed authenticated|pro le information to servers and merchants. In particular, we give a pseudonym registration scheme and system that enforces unique user registration while separating tr...

Online payments in business-to-consumer electronic commerce are mainly made with credit cards. Fraud and chargebacks are a significant issue for merchants and payment card brands, due to widespread use of unsecured or partially secured credit card transactions. The Secure Electronic Transaction (SET) protocol may not only provide a high security level. It also enables productivity improvements ...

This paper studies the incentives of a merchant to bypass a payment platform by issuing private cards. In our model, a payment platform allocates the total cost of a card transaction between a monopolistic issuer and a monopolistic acquirer by choosing an ‘‘interchange fee”. We determine how the level of the interchange fee impacts a merchant’s decision to issue private cards, if there are stra...

A second revised version was produced in 1228 and this great document translated with many errors by Boncompagni (see reference 2a) in 1857 is what has survived to this day and gives us an almost complete statement of the mathematical knowledge that had accumulated in the West since the Greeks. It can also be regarded as a comprehensive merchant’s handbook as its stated aim was to demonstrate t...

This paper studies the influence factors and the influence mechanism which effect Chinese adaption intention of mobile payment based on TAM model, theory of social psychology and innovation diffusion. It takes near-field mobile phone payment as practical example to do questionnaire survey with 623 samples in China and then the data were analyzed by SPSS20.0 and AMOS20.0 software .The result sho...