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Journal articles on the topic 'Contactless payment card'

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1

Bounie, David, and Youssouf Camara. "Card-sales response to merchant contactless payment acceptance." Journal of Banking & Finance 119 (October 2020): 105938. http://dx.doi.org/10.1016/j.jbankfin.2020.105938.

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2

Liu, Xiang Wen, and Li Min Liu. "The Contactless Card Reader Based on Microcontrollers." Advanced Materials Research 605-607 (December 2012): 2069–72. http://dx.doi.org/10.4028/www.scientific.net/amr.605-607.2069.

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Contactless cards are smart cards with microprocessor cores. Their applications of are very popular, such as public transports, access control, cashless payment, campus solution and so on. Reader is an essential part for smart card applications. It can identify cards, read/write data on cards. Microcontrollers are common hardware for embedded applications. With microcontrollers, the readers of contactless cards will be smart and easy to be used. In this paper, smart cads, contactless cards, readers, microcontrollers and design of a reader with microcontrollers are discussed.
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3

Monastyrsky, Hryhoriy, Yaroslav Chaikovskyi, Ivanna Chaikovska, and Yevhen Chaikovskyi. "DIRECTIONS OF USE OF PAYMENT CARD AS INNOVATION OF PAYMENT OF TRANSPORT ORGANIZATIONS SERVICES." Economic Analysis, no. 28(4) (2018): 143–54. http://dx.doi.org/10.35774/econa2018.04.143.

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It is carried out the analysis of the share of cash outside the banks in the money supply in Ukraine within 2013-2017 and the integral indicator of the level of the shadow economy in Ukraine for 2010-2017. The dynamics of the main indicators of functioning of the payment cards market of Ukraine during 2012-2017 is analysed. The main tendencies of development the market of payment cards in Ukraine are considered. In particular, the dynamics of the number of holders of payment cards and their issuing banks, the development of electronic payment infrastructure, the types of payment cards issued b
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4

Li, Ping, Qing Lei Zhou, Yang Liu, and Dong Ming Zhao. "A Contactless Mobile Payment Method Based on Security TF Card and NFC Technology." Advanced Materials Research 317-319 (August 2011): 1769–72. http://dx.doi.org/10.4028/www.scientific.net/amr.317-319.1769.

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The paper presents a contactless mobile payment method based on security TF card and NFC technology, with which we can use the security TF card, instead of a special SIM card that support SWP protocol, as a security module to store the user’s important information (e.g. transaction data) in mobile payment. And because security TF card can be distributed by non-telecom operators, the method can obtain a more extensive support by units and institutions other than telecom operators. then it is meaningful to the development of NFC technology.
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5

Westermeier, Carola. "The value of transactions in the new data economy." Finance and Society 6, no. 2 (2020): 157–62. http://dx.doi.org/10.2218/finsoc.v6i2.5277.

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Along with tools for video-calls, cashless payment has been among one of the technologies that gained new momentum during the global pandemic. While paying with a credit or debit card has been an everyday practice for some time, mobile and contactless payments are increasingly welcome and used in many Western countries. However, most of these new payment technologies are not necessarily developed by banks, and more often stem from the so-called Big Tech companies (PayPal, Apple, Google, Amazon). The question of how money alters its meaning with the way that it is circulated lies at the heart o
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6

Brumercikova, Eva, and Bibiana Bukova. "Proposals for Using the NFC Technology in Regional Passenger Transport in the Slovak Republic." Open Engineering 10, no. 1 (2020): 238–44. http://dx.doi.org/10.1515/eng-2020-0005.

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AbstractNFC (Near Field Communication) devices are used in contactless payment systems, similar to those used in credit cards and electronic ticket smart cards, and they allow a mobile payment to replace or supplement these systems. The trend of increasing the quality of transport services also includes the use of progressive information technologies. The article focuses on the use of NFC technology in regional passenger transport. In the first proposal, the implementation of NFC technology in the form of an electronic wallet in a regional contactless chip card is being considered. In the seco
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7

Yang, Ming-Hour. "Security Enhanced EMV-Based Mobile Payment Protocol." Scientific World Journal 2014 (2014): 1–19. http://dx.doi.org/10.1155/2014/864571.

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Near field communication has enabled customers to put their credit cards into a smartphone and use the phone for credit card transaction. But EMV contactless payment allows unauthorized readers to access credit cards. Besides, in offline transaction, a merchant’s reader cannot verify whether a card has been revoked. Therefore, we propose an EMV-compatible payment protocol to mitigate the transaction risk. And our modifications to the EMV standard are transparent to merchants and users. We also encrypt the communications between a card and a reader to prevent eavesdropping on sensitive data. Th
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8

Slepova, Oksana. "Security and Privacy of Mobile Payments." NBI Technologies, no. 3 (February 2020): 25–30. http://dx.doi.org/10.15688/nbit.jvolsu.2019.3.4.

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The latest smartphones make life easier for their customers. Mobile banking in smartphones is no longer news, but users are just getting used to the opportunity to pay for a purchase by touching the gadget to the terminal using the contactless payment technology. Going into the digital world is fraught with the illusion of security: a smart gadget stands up for itself. But this is true only partly – security depends primarily on the behavior of the user. Therefore, no matter what financial applications are installed on your smartphone, you first need to master the safety technique of mobile pa
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9

Ekimova, K. V., S. S. Galasova, and V. V. Manuylenko. "DEVELOPMENT OF SALARY CARDS IN THE SYSTEM OF CASHLESS PAYMENTS IN CONDITIONS OF FINANCIAL INSTABILITY ON THE EXAMPLE OF SBERBANK OF RUSSIA." Vestnik Universiteta, no. 7 (September 7, 2020): 135–44. http://dx.doi.org/10.26425/1816-4277-2020-7-135-144.

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The need to develop Bank salary cards in the system of non-cash payments in the conditions of financial instability caused by the Covid-19 pandemic has been substantiated in the study. For the formation of a new view on the application of the Bank payroll cards economic substance “of the modern Bank salary card” based on technologies of contactless payments has been expanded, the advantages of using salary cards for banks and clients – legal entities and individuals have been defined, the best experience of Sberbank of Russia on the use of Bank salary cards from the point of view of its extrap
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10

Fuada, Syifaul, Akhmad Alfaruq, and Trio Adiono. "A Portable Electronic Transaction Device Based on Dual Interface Smart Card." International Journal of Online and Biomedical Engineering (iJOE) 16, no. 03 (2020): 27. http://dx.doi.org/10.3991/ijoe.v16i03.11639.

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<p class="0abstract">In recent years, electronic money facilities are increasingly diverse. It may replace conventional payments. The use of physical money can be diminished by utilizing digital money, which is realized by smartphone apps, bar codes, smart cards, and so on. The types of smart cards used also vary, and it can be divided into two methods, i.e., with contacts and without contact. In this work, we develop electronic transaction devices using dual interfaces: contact and contactless smart cards. As computational processing, we employ the Raspberry Pi 3 Model 3. It has a high
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11

Zalar, Dušan, Rasa Ušpalytė-Vitkūnienė, Danijel Rebolj, and Marjan Lep. "A METHODOLOGICAL FRAMEWORK FOR MEASURING THE LEVEL OF CONVENIENCE OF TRANSPORT TICKETING SYSTEMS." Transport 33, no. 4 (2018): 1005–16. http://dx.doi.org/10.3846/16484142.2017.1300783.

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Public transport sustainability is becoming a major driver for public transport development. Public transport ridership represents one of the key performance indicators of sustainability in the sense of balancing the economic, social and environmental aspects of public transport. There are various methods for improving the attractiveness of public transport for passengers by reducing resistances, which discourage potential and existing passengers to use public transport. Transport ticketing is one of the methods. This article presents a methodological framework for evaluating transport ticketi
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12

Pawłowicz, Grzegorz. "Methods of Improving EMC for Ticket Validator According to UNECE Regulation No. 10.06." Pomiary Automatyka Robotyka 25, no. 3 (2021): 87–93. http://dx.doi.org/10.14313/par_241/87.

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The article presents the results of measurements and design changes to the certain electronic device, the purpose of which was to meet the requirements for the levels of electromagnetic disturbance emission from the device in accordance with the UNECE Regulation No. 10.06. The successive stages of the research are described. The subsequent modifications of the device in accordance to the research findings are also described. The subject of the research was the validator of paper and electronic tickets, enabling the purchase of tickets with the use of a contactless payment card and a city card.
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13

Wang, Lu, and Wu Song Wen. "Design of RFID Reader Based on Protocol of ISO/IEC 14443 TYPE A." Applied Mechanics and Materials 268-270 (December 2012): 1855–58. http://dx.doi.org/10.4028/www.scientific.net/amm.268-270.1855.

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The technology of RFID is used extensively in access control for office buildings, payment systems for public transport, and other applications. In this paper, using the Texas Instruments semiconductor chip of TRF7960 and the single-chip microcomputer of PIC16F877, a new design scheme of RFID reader is proposed, which conforms to ISO/IEC 14443 TYPE A standard. And the methods of anti-collision, three pass authentication, coding and decoding are discussed in detail. Test results present that this reader has high accuracy ratio, can identify the contactless smart cards in about ten centimeters,
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14

Uvarov, Evgeniy. "The efficiency assessment of installation of a non-cash system in the public transport to combat the shadow economy." Economics and the Mathematical Methods 57, no. 3 (2021): 86. http://dx.doi.org/10.31857/s042473880016416-6.

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This article describes the shadow economy in the public passenger transport sphere in regions of Russia. The goal of the work is to evaluate the impact of a non-cash payment system on the shadow economy. The relevance is to obtain quantitative assessments of the effectiveness of contactless payments using debit, credit and/or transport cards as a tool to combat the concealment of income by transport organizations via hiding the data on passengers carried in regions of Russia. The author uses econometric analysis of panel data for the period 2015–2018, where the dependent variable is the number
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15

Bidois, Marisa. "The cost of convenience." Hospitality Insights 3, no. 1 (2019): 1–2. http://dx.doi.org/10.24135/hi.v3i1.10.

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Hospitality businesses in New Zealand are seeing fewer and fewer payments made by cash, as customers opt for the convenience of paying their bill electronically. If customers love the convenience of paying by credit card, who should be responsible for the cost of this convenience – the business or the customer?
 In a Restaurant Association survey conducted at the end of last year, members overwhelmingly (71%) indicated that the use of cash by customers is declining, with a Mastercard New Zealand survey last year backing this up. This widespread adoption of electronic payment by consumers
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16

Rathee, Nisha, and Rajender Singh Chhillar. "Model Driven Approach to Secure Optimized Test Paths for Smart Samsung Pay using Hybrid Genetic Tabu Search Algorithm." International Journal of Information System Modeling and Design 9, no. 1 (2018): 77–91. http://dx.doi.org/10.4018/ijismd.2018010104.

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Smart mobile pay applications on smart devices have been considered as the most efficient and secure mode of contactless payment. To safeguard customer credit/ debit card details, testing of mobile pay solutions like Samsung Pay is most important and critical task for testers. Testing of all the test cases is very tedious and a time-consuming task, therefore optimization techniques have been used to identify most optimized test paths. In this article, a hybrid genetic and tabu search optimization (HGTO) algorithm is proposed to secure optimized test paths using activity diagram of the smart Sa
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17

Густі, В. В., and Т. В. Матьовка. "Software complex for protection of RFID-tag of bank contactless payment card based on PayPASS (MASTERCARD) and PayWAVE (VISA) technologies from unprecated reading." Scientific Herald of Uzhhorod University.Series Physics 44 (December 31, 2018): 165–74. http://dx.doi.org/10.24144/2415-8038.2018.44.165-174.

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18

Мартынов and V. Martynov. "Innovative Environment and Development Prospect of NFC and In-App Payments in New Technological Way." Economics 4, no. 6 (2016): 79–84. http://dx.doi.org/10.12737/22932.

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The article considers an open innovative environment in which there is NFC and
 In-App Payments, their development prospects, the pros and cons of these
 systems, their place in the sixth technological way, gives concepts of NFC, In-App
 Payments, considers the technology of contactless payments, the principle
 of operation of the device with a Secure Element NFC and Host Card Emulation
 technology, sanctifies the issue of the security of NFC devices, methods
 of protection against attacks on the device, the use of NFC in other electronic
 media. Comparative
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19

Bounie, David, and Youssouf Camara. "Card-Sales Response to Merchant Contactless Payment Acceptance: Causal Evidence." SSRN Electronic Journal, 2019. http://dx.doi.org/10.2139/ssrn.3459419.

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20

Bracaglia, Antonio, Giulia Monetta, and William Vanobberghen. "Public Research Support for an Innovative Integrated Payment Model of Service Delivery." Entrepreneurship Research Journal 5, no. 3 (2015). http://dx.doi.org/10.1515/erj-2014-0033.

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AbstractThis paper introduces an entrepreneurial innovation supported by public research. TITAN is an R&D project funded by European Structural Funds with the National Operational Program for “Research and Competitiveness” 2007–2013 (NOP for R&C). General purpose of TITAN project is to achieve a multi-application and multi-channel platform to manage value-added services (VAS) and e-payments. From the EPAS protocols perspective of standardizing the electronic payment, VAS data management will be included in the current financial messages (CAPE – ISO 20022). In order to improve the proce
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21

Fleck, Emma Marie, and Michael E. Ozlanski. "Cash: never leave home with it?" CASE Journal ahead-of-print, ahead-of-print (2021). http://dx.doi.org/10.1108/tcj-06-2019-0055.

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Theoretical basis The learning objectives aim to provide an understanding of the changing nature of consumer payments and the impact upon both businesses and consumers. This can be achieved by examining the case through the lens of stakeholder theory, which posits that businesses are “responsible … to ‘those groups and individuals who can affect or be affected by their actions.’” Collectively, those groups and individuals are known as stakeholders and they commonly include “customers, employees, suppliers, communities and financiers.” In addition to creating value for the owners, businesses sh
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