Introduction Both health information technology (HIT) and the payment card industry (PCI) involve the exchange and management of sensitive, protected information. Compared to the PCI, HIT could consider protected health information (PHI) more sensitive than PCI cardholder data. If cardholder data is breached in the PCI, payment card companies may then remove fraudulent charges from the customer...

Mobile off-line payment enables purchase over the counter even in the absence of reliable network connections. Popular solutions proposed by leading payment service providers (e.g., Google, Amazon, Samsung, Apple) rely on direct communication between the payer’s device and the POS system, through Near-Field Communication (NFC), Magnetic Secure Transaction (MST), audio and QR code. Although pre-...

This article reviews methodologies and international experience related to costing and pricing health services for health care purchasers. The main factors affecting price-setting methods are: (1) provider payment systems; (2) information available on actual costs, service volumes and outcomes; and (3) characteristics of providers and purchasers. These factors are strongly interrelated. Provide...

E-banking has grown dramatically with the development of ICT industry and banks offer their services to customers from different channels. Nowadays, considering the great economic benefits of electronic banking systems, the need to pay attention to the expansion of electronic banking is increasingly felt in terms of reducing costs and increasing the bank's profitability. The purpose of this stu...

We study the design of e¢ cient intertemporal payment arrangements when the ability of agents to perform certain welfare-improving transactions is subject to random and unobservable shocks. E¢ ciency is achieved via a payment system that assigns balances to participants, adjusts them based on the histories of transactions, and periodically resets them through settlement. Our analysis addresses ...

With the development of digital rights management systems, new commercial applications for the trade with digital goods will be introduced, and new information services will be provided. As digital goods or services can be delivered over networks, it is also desired that they can immediately be paid electronically. Thus, it is assumed that the trade with digital goods stimulates the deployment ...

The market for retail financial products (e.g. investment funds or insurances) is marred by information asymmetries. Clients are not well informed about the quality of these products. They have to rely on the recommendations of advisors. Incentives of advisors and clients may not be aligned, when fees are used by financial institutions to steer advice. We experimentally investigate whether volu...

Credit card is one of the convenient way of payment in online shopping. In this on line shopping, payment is made by giving information like card no, security code , expiration date of the Credit card etc . To rectify the risk factors of using the credit card, every card holder’s spending method is modeled by using HMM. By using this authenticated security check the information of transaction i...

Document Information: Title: On consolidation model in e-bill presentment and payment Author(s): Olufunke Vincent, (Artificial Intelligent Group, Department of Computer Science, University of Agriculture, Abeokuta, Nigeria), Olusegun Folorunso, (Artificial Intelligent Group, Department of Computer Science, University of Agriculture, Abeokuta, Nigeria), Ayodele Akinde, (Artificial Intelligent Gr...

The study of trust of consumer on Business-to-Consumer (B2C) E-commerce is one of the key research interests of Information Systems (IS) researchers. In this research, we investigate the impact of trust on two different E-payment gateways, viz. online credit card payment system and the hypothetical online Octopus card (a stored-value smart card) payment system. Based on the model developed by G...