Because many current payment systems are poorly implemented, or of incompetence, private data of consumers such as payment details, addresses and their purchase history can be compromised. Furthermore, current payment systems do not offer any non-repudiable verification to a completed transaction, which poses risks to all the parties of the transaction – the consumer, the merchant and the finan...

Mobile (feature) phone-based monetary transactions are common in the developing world, where there are millions of users in Africa and India. These mobile payment systems are often offered by network carriers acting as a clearing house for a small fee on each transaction. This payment system does not require the user having a bank account. Evaluations of these payment systems usability and secu...

We study the impact of a merit-based incentive payment system on provider behavior in the primary care setting using experimental methods that leverage healthcare simulations with patient actors. Our approach allows us to exogenously change a provider’s incentives and to directly measure the consequences of alternative payment systems. Within our sample, we find that merit-based incentive payme...

Around the world many different micropayment systems are in use. Because of this variety, content providers and customers may rely on different systems. As a result, customers may be unable to buy content from providers using a different system. This paper proposes a novel approach that allows existing micropayment systems to collaborate. This collaboration is realized by introducing an interme...

In electronic commerce, the challenges of payment transactions were initially underestimated. Business via the internet and mobile telephony has so far been dominated by the methods of payment systems in traditional business. However, in light of advances in e-commerce, traditional business models are increasingly coming up against their limits. To understand the concept of electronic commerce,...

The focus of this paper is on the integration of payment systems into B2C Internetcommerce. Our understanding of the payment integration problem starts from the observation that not all payment instruments are online yet. If they are online they are often not integrated into the online-shopping process from the consumer's point of view and they don't easily produce the data the merchants would ...

The considerable increase of mobile device users in recent years causes a strong demand on secured wireless information services and reliable mobile commerce (m-commerce) applications. Since mobile payment (m-payment) is a critical part of most wireless information services and mobile commerce applications, how to build secured m-payment systems becomes a research hotspot. This paper presents a...

Background: In Iran, a combination of three methods of budget payment, fee for service and case-based payment (known as the global payment system) is used to reimburse the cost of hospital services. The aim of this study was to investigate the costs of 90 services of the Global Hospital Reimbursement System at Tehran University of Medical Sciences. Methods: This descriptive cross-sectional app...

In: Computer Security { ESORICS 96, volume 1146 of Lecture Notes in Computer Science, pp. 33 { 43, Springer-Verlag, 1996. Abstract. Anonymity of the participants is an important requirement for some applications in electronic commerce, in particular for payment systems. Because anonymity could be in con ict with law enforcement, for instance in cases of blackmailing or money laundering, it has ...

This study’s objective was to develop a new model to classify mobile payment systems. Analysis of current classifying models revealed their lack of user’s perspective. The new model proposed in this paper focuses on the consumer. The classification criteria have been derived from analyzing existing m-payment systems, and their distinct characteristics visible to the consumer. This new user-cent...