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Relevant bibliographies by topics / Digital payment system

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Academic literature on the topic 'Digital payment system'

Author: Grafiati

Published: 4 June 2021

Last updated: 12 June 2025

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Journal articles on the topic "Digital payment system"

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Harikeshav, M. V. "Digital payment system: problems and prospects." International Journal of Social and Economic Research 9, no. 3 (2019): 366. http://dx.doi.org/10.5958/2249-6270.2019.00043.6.

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Chentsov, A. Y. "The Impact of Digital Technologies on the Development of Payment Services." Digital Transformation, no. 3 (October 14, 2020): 51–57. http://dx.doi.org/10.38086/2522-9613-2020-3-51-57.

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The article reveals the system of functioning of payment services as a financial institution, the emergence and development of which is due to scientific and technical progress at the present stage of development and considering the impact of globalization. This tool occupies an increasingly high share of the financial sphere, but due to the novelty of electronic systems, this topic is currently little studied. The article considers the latest developments that allow you to make instant payments conveniently and safely. The problems and ways of protecting user identification, data privacy and money safety when using electronic payment services are investigated. The study revealed that, along with innovative global developments, to strengthen the electronic payment system, it is necessary to implement common international standards for combating cybercrime.

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Sharmin, Kamila I. "AADHAAR ENABLED PAYMENT SYSTEM – A NEW INNOVATION TO DIGITAL PAYMENTS OF INDIA." International Journal of Research -GRANTHAALAYAH 8, no. 4 (2020): 67–71. http://dx.doi.org/10.29121/granthaalayah.v8.i4.2020.8.

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Aadhaar enabled payment system (AEPS) is a type of payment system that is based on the unique identification number and allows Aadhaar card holder seamlessly make financial transaction through Aadhaar based authentication. The AEPS framework expects to enable all the areas of society by making monetary and banking administrations accessible to all the Aadhaar. AEPS is context through one can make fund transfer, make disbursement, make cash deposit, make extractions, make request for information about bank balance etc.

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Ali, Mostafa A., Nazimah Hussin, and Ibtihal A. Abed. "Electronic Payment Systems: Architecture, Elements, Challenges and Security Concepts: An Overview." Journal of Computational and Theoretical Nanoscience 16, no. 11 (2019): 4826–38. http://dx.doi.org/10.1166/jctn.2019.8395.

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In this paper, the major aim is to investigate the heightened awareness regarding various electronic payment systems-related concepts in terms of their advantages, problems, and security issues. The payment processing system providers use software as a service (SaaS) model and with this model, they form a single payment channel to numerous payment methods for their clients. Users often give away their personal information such as names, card details, and so on whenever they go online to make any firm of payment. An online payment system is referred to a system that facilitates electronic money exchange. This form of payment typically involves the deployment of the Internet, computer networks, and other digital stored value systems. Collecting any form of payment over the internet implies that the user has accepted an online payment and must have shared some confidential information with the service provider. This paper embarks on a thorough review of all aspects of online/electronic payment with emphasis on the analysis of numerous studies on electronic payment systems. The latest studies have been explored to gain insight on the electronic payments systems.

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Jiang, Yun, Hassan Ahmad, Asad Hassan Butt, Muhammad Nouman Shafique, and Sher Muhammad. "QR Digital Payment System Adoption by Retailers." Information Resources Management Journal 34, no. 3 (2021): 41–63. http://dx.doi.org/10.4018/irmj.2021070103.

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The acme of this paper was to examine the QR code payment services adoption by retailers in Pakistan. An all-inclusive review of the literature and data analysis has justified the purpose to use this inventive technology. The study established that innovation diffusion theory (IDT) dimensions and convenience impacted the usefulness of QR code payment services which are well-thought-out critical antecedents of accepting future technologies. The inferences of this research work provide valuable acumens for banks, financial institutions, and the government to develop a platform about digital payment for the retailers, wholesalers, and the end consumers. Further, the study approves that QR code payment services will aid to advance the business operations in Pakistan in the COVID-19 pandemic.

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Chaveesuk, Singha, Bilal Khalid, and Wornchanok Chaiyasoonthorn. "Digital payment system innovations: A marketing perspective on intention and actual use in the retail sector." Innovative Marketing 17, no. 3 (2021): 109–23. http://dx.doi.org/10.21511/im.17(3).2021.09.

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This study empirically investigated the marketing perspectives of behavioral intention and the actual use of digital payment solutions as electronic innovation for retail purchases in Thailand. This is important as leveraging digital innovation can be applied to minimize physical contact between retailers and customers, especially in the COVID-19 era. The UTAUT model was used and extended to include attitude, social distancing, and perceived risk variables. The study was conducted using primary data collected from 467 Thai respondents who used digital payment systems as a means of payment in retail purchases. The study data were collected employing a structured questionnaire. Techniques used in data analysis include Confirmatory Factor Analysis and Structural Equation Modeling. The results from the data analysis highlighted that behavioral intention to use digital payment innovation in Thailand was influenced by Perceived Risk (PR), Facilitating Condition (FC), Performance Expectancy (PE), and Attitudes (AT) of people. The study also revealed that exploring the marketing perspectives, Behavioral Intention (BI) significantly influenced the Actual Use (AU) of digital payment systems. The implication is that stakeholders in retail and financial sectors, such as banks and other digital payment providers, should consider aspects of people’s attitudes and perceived risk as they influence the use and adoption of innovative digital payment solutions. Thus, it is, appropriate to propose policies and regulations that promote the effective use of digital payment systems in the Thai retail sector. Acknowledgment This work is supported by King Mongkut’s Institute of Technology Ladkrabang.

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Raghavendra, R., M. Niranjanamurthy, M. N. Nachappa, and K. B. Shalini. "An Emphasis of Digital Wallets for E-Commerce Transactions." Journal of Computational and Theoretical Nanoscience 16, no. 9 (2019): 3748–53. http://dx.doi.org/10.1166/jctn.2019.8244.

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Payment is one of the main parts of the business. Since from the last decade, the use of mobile devices for electronic payment has increased significantly. The current generation of individual payment systems that is replaced the traditional smart cards by mobile devices supplied with E-wallet and M-wallet functions. The spread of such E-wallet systems will depend on their security, functionality ease of use and the effectiveness of realization. E-wallet is a utility which offers users to save their money and make payments anywhere and all time. Many banks and nonbanks organizations are contesting to develop new on this filed. As customers adopt E-wallet and M-wallet. As customers adopt E-wallet and M-wallet, they becoming a cybercrime target. E-wallet provides a monetary action through smartphones which is fruitful freedom for electronic crimes. Quality of the system, quality of service and quality of information has to improve by the mobile wallet service providers for their M-wallet applications.

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Kochergin, D. "Central Banks Digital Currencies: World Experience." World Economy and International Relations 65, no. 5 (2021): 68–77. http://dx.doi.org/10.20542/0131-2227-2021-65-5-68-77.

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Received 28.07.2020. The article examines issues related to the introduction of central bank digital currencies (CBDC) for retail payments and wholesale settlements. The study defines and classifies central bank digital currencies, researches the main models of CBDC systems. The article also analyzes the features of various national projects for issuing Central bank digital currencies. The paper uses methods of economic-statistical and functional-structural analysis. The study concludes that CBDC are a new form of central bank money. Digital currencies can be issued in various issuing systems for the purpose of retail payments or wholesale settlements. Among the models of CBDC systems for retail payments (R-CBDC) the direct system model is the most attractive for its simplicity. This model eliminates the dependence of the Central bank on any financial and payment intermediaries. Models of synthetic and hybrid R-CBDC systems are characterized by reliability and speed in processing multiple transactions which makes them the most promising for implementation. Among the models of CBDC systems for wholesale payments (W-CBDC) the model of the system with a universal digital currency (U-W-CBDC) may be the most suitable for eliminating the main disadvantages of modern cross-border payment systems. However, a large number of technological and financial changes as well as the high operating costs of the U-W-CBDC can make such systems difficult to implement for non-developed financial market infrastructure countries. National financial regulators have different motivations for issuing digital currencies. The main advantages of digital currencies for retail payments may consist in providing users with highly liquid, low-risk, universally available means of payment. The main advantages of wholesale digital currencies are that they offer faster, safer, cheaper cross-border payments. The most advanced projects for issuing R-CBDC can be considered DCEP (People’s Bank of China) E-krona (Central Bank of Sweden). The most successful pilot projects for issuing W-CBDC are the projects Jasper (Central Bank of Canada) and Ubin (Monetary Authority of Singapore), which were able to achieve interoperability in conducting cross-border payments. Currently most CBDC are retail based on the use of distributed ledger technology and implemented in the form of DLT-tokens. Countries that develop digital currency systems can be divided into three groups. The first group is countries where the introduction of CBDC can be designed to support the national demand for central bank money (Sweden, Norway, Singapore, etc.). The second group – countries for which the adoption of digital currencies can afford to keep the place of national currencies in international settlements (USA and EU) or expanding the use of national currencies at the international level (China). The third group represents countries for which the introduction of digital currencies may be associated with the control of national monetary circulation and de-dollarization of the financial system (Uruguay, South Africa, Cambodia, etc.).

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Panova, Liydmyla, Siuzanna Tsurkanu, Oleh Synieokyi, Zoriana Dilna, and Ivan Prymachenko. "Liability in the field of digital payment systems and cryptocurrencies: mission is (im)possible?" Revista Amazonia Investiga 10, no. 42 (2021): 186–95. http://dx.doi.org/10.34069/ai/2021.42.06.17.

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An electronic payment system is a system of settlements between different organizations and Internet users when buying or selling goods or services over the Internet. The relevance of the research topic is that electronic payment systems are used widely at the present stage of the development of society. This area has not escaped criminal activity. Penalties for digital payment systems and cryptocurrencies should be commensurate with the level of damage caused. The article analyzes the international legal establishing liability for this type of crime. At the instant, it remains an open question for further study of the legal status of cryptocurrency in different countries and the settlement of penalties for violations in the field of digital payment systems and cryptocurrency. Research methods: comparison, observation, analysis, synthesis, analogy, the system method, generalization method, and formal-legal method. According to the results of the study, the international comparative aspect of the types of liability for offenses in the field of digital payment systems was analyzed; the issue of criminal liability for offenses in the field of digital payment systems and cryptocurrencies, as a key punishment for these actions; identified means of protection of payment systems; the issue of legal regulation of cryptocurrency in different countries.

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Chandak, Shobhit S., and R. Haresh. "Digital Payment System and Factors Influencing ITS Usage." Asian Journal of Research in Social Sciences and Humanities 8, no. 6 (2018): 165. http://dx.doi.org/10.5958/2249-7315.2018.00099.0.

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Dissertations / Theses on the topic "Digital payment system"

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Bagai, Akshay. "Payment systems in the United States and architectures enabled by digital currencies." Thesis, Massachusetts Institute of Technology, 2017. http://hdl.handle.net/1721.1/112061.

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Thesis: S.M. in Engineering and Management, Massachusetts Institute of Technology, School of Engineering, System Design and Management Program, 2017.<br>Cataloged from PDF version of thesis.<br>Includes bibliographical references (pages 69-71).<br>A payment is a transfer of value from one party to another and cash is the simplest form of payment. However, the cost of cash transactions increases as the volume of transactions or distance between the parties involved increases. Various electronic payment systems have evolved over time to enable different types of transactions in the economy. Payment systems are now the backbone of the economy and trillions of dollars are exchanged on the payment system rails every year. Central banks, payment processors, payment gateways, credit card issuers and banks are just a few of the counterparties which enable payments across a multitude of counterparties for their specific needs. An extremely complex technological architecture enables these transactions. Central banks are now considering the issuance of digital currencies to increase efficiency in payments. Blockchain could potentially simplify payments systems and reduce market inefficiencies. It can provide a way for multiple counterparties to connect on the same platform and reduce the time for clearing and settlement. In this thesis, I study the technology and stakeholder needs to propose novel architectures that could be adopted for payments processing.<br>by Akshay Bagai.<br>S.M. in Engineering and Management

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Mpofu, Handsome C. "Development of an M-Payment system prototype for a marginalized region (Dwesa case study)." Thesis, University of Fort Hare, 2011. http://hdl.handle.net/10353/458.

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Wireless technologies, such as Worldwide Interoperability for Microwave Access (WiMAX) and Wireless Fidelity (WiFi), are making it easier to provide the much needed telecommunications infrastructure in marginalized areas worldwide. These technologies enable the rapid deployment of network services as well as their redistribution throughout these marginalized areas. The ability to bring Internet connectivity to previously underserviced and marginalized areas has the potential to leap-frog socio-economic development and improve participation in the global knowledge economy. This study investigated how wireless access technologies, such as WiMAX and WiFi, can be integrated and used to deliver ubiquitous distributed Internet connectivity with increased capillarity in rural areas. The research was undertaken within an ICT for Development (ICT4D) intervention called Siyakhula Living Lab (SLL) which is based in the Eastern Cape province of South Africa. The research further eliminated the accessibility constraints associated with long distances and remoteness from the Digital Access Nodes (DANs) and provided increased penetration in the network in contrast to the traditional Telecentre model which has been used extensively in ICT4D interventions. This was achieved by deploying WiFi hotspots around the DANs and extending the existing SLL WiMAX backbone to increase the network footprint to neighboring communities. The technical result of the research has been the provision of increased capillarity on the network and service redistribution throughout the entire Dwesa community. Consequently, this has given local community members an opportunity to access network services easily and ubiquitously. Finally, the research investigated and presented the benefits of such wireless network deployment configurations on ICT4D activities in marginalized areas.

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Naik, Vaibhav C. "The evolution of the digital payments : the past, present and future of digital payments." Thesis, Massachusetts Institute of Technology, 2015. http://hdl.handle.net/1721.1/115037.

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Thesis: S.M. in Engineering and Management, Massachusetts Institute of Technology, System Design and Management Program, 2016.<br>Cataloged from PDF version of thesis.<br>Includes bibliographical references (pages 37-39).<br>The past couple of years, we have observed the rise of the Digital Wallet, a potentially game changing technology application in the financial industry. Digital Wallets allow consumers to pay for purchases through digital devices, and the technology has created a battle among payment networks, banks and technology firms. In this paper, we analyse how the Digital Wallet is impacting the technology space, including the level of disruptiveness and future potential. We have two hypotheses regarding Digital Wallets: H1: The Digital Wallet is disrupting the credit card network. H2. The Digital Wallet is disrupting the physical plastic card.<br>by Vaibhav Naik.<br>S.M. in Engineering and Management

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Imamovic, Arnela. "Cash is [no longer] king: is an e-krona the answer? : - a de lege ferenda investigation of the Swedish Riksbank's issuing mandate and other legal callenges in relation to economic effects on the payment market." Thesis, Linköpings universitet, Filosofiska fakulteten, 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-156410.

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For the past decades, the Swedish public’s payment habits have changed, where the majority of the public has abandoned the old way of making payments, using cash, and instead opted for more modern payment solutions, digital money. The difference between cash and digital money is that cash is physical and only issued by the Riksbank, whereas digital money is created by and stored on accounts at commercial banks. The question of what role the state should have on the payment market is an important point of discussion. But it is not categorically a new question; the Swedish government is tackling essentially the same problem today as it has been doing many times before. Today’s problem is to some extent however manifested in a different way. During the 20th century, discussions were held whether or not the Riksbank should have the exclusive right to issue banknotes. It was considered unnecessary, inappropriate and dangerous. The idea that the Riksbank could cover the entire economy’s need for banknotes was, according to the commercial banks, unreasonable. Nonetheless, in 1904 the exclusive right became fait accompli; the government intervened and gave the Riksbank the banknote monopoly. We are now finding ourselves facing a similar situation, where there is a difference of opinion regarding the Riksbank’s role on the payment market. It is therefore nothing new, but rather an expected task for the government, and thus the central bank, to analyze major changes and draw conclusions from them. The problem is essentially about cash being phased out by digital means of payment. In order to therefore solve the problem, the Riksbank has started a project to investigate whether or not the Riksbank should issue digital cash to the Swedish public, what the Riksbank calls an e-krona. To introduce an e-krona would be a major step, but for the public to not have access to a government alternative, seeing as cash usage is declining, is also a major step. No decision has been made yet regarding whether the e-krona will be introduced on the market or not. A decision that however has been made, is that the Riksbank is now working on building an e-krona to develop and assess the technique. Nonetheless, an introduction would undoubtedly have consequences for both the Riksbank and the commercial banks, which ultimately means it would have effects on the economy as a whole. What about regulatory aspects; is the Riksbank even allowed to issue an e-krona under current legislation? The answer is affirmative, to a certain extent. There are furthermore many other uncertainties regarding how an e-krona would affect the economy; the Riksbank does not fully answer many of the system issues in its project reports. The question of whether or not it even is up to the Riksbank to make a decision on the matter of an introduction is also questioned by the author in the thesis.

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Roehrs, Alex. "4iPay: modelo para sistemas de pagamento móvel em comércio ubíquo." Universidade do Vale do Rio dos Sinos, 2012. http://www.repositorio.jesuita.org.br/handle/UNISINOS/3140.

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Submitted by Mariana Dornelles Vargas (marianadv) on 2015-03-25T13:57:02Z No. of bitstreams: 1 4iPay.pdf: 3380679 bytes, checksum: 49edaff25098492ab3c46fcf4aad082b (MD5)<br>Made available in DSpace on 2015-03-25T13:57:02Z (GMT). No. of bitstreams: 1 4iPay.pdf: 3380679 bytes, checksum: 49edaff25098492ab3c46fcf4aad082b (MD5) Previous issue date: 2012<br>CAPES - Coordenação de Aperfeiçoamento de Pessoal de Nível Superior<br>Este trabalho tem por objetivo apresentar um modelo de arquitetura e usabilidade para um sistema de pagamento móvel (Mobile Payment System), considerando as premissas de independência de dispositivo, de localização, de operadora de telefonia móvel e de administradora financeira para suprir as necessidades de efetivar pagamentos e recebimentos de qualquer natureza em ambientes de comércio ubíquo (Ubiquitous Commerce). O trabalho inicialmente descreve a motivação, os objetivos e os conceitos fundamentais sobre os quais se baseia a proposta do modelo. A seguir são elencados os principais trabalhos relacionados e uma análise comparativa detalhada é realizada, derivando as características mais importantes a serem consideradas no modelo proposto. Em seguida, é proposto um modelo de pagamento móvel, denominado 4iPay, onde são detalhados os objetivos, arquitetura, recursos e a proposta técnico-científica de comércio eletrônico em ambientes ubíquos. Na proposição do modelo foi considerada a convergência dos trabalhos relacionados analisados no que tange à ubiquidade, unicidade, universalidade e unissonância. Assim, o modelo 4iPay pretende reunir as melhores características, inovando e melhorando em alguns aspectos relevantes ao comércio ubíquo de fato. O modelo proposto visa propor uma solução diferenciada em termos de arquitetura, modelo de negócio, usabilidade, baixo consumo de banda e alto desempenho nas transações de pagamento e recebimento, em relação às propostas atuais, levando em consideração, nas transações comerciais eletrônicas móveis, questões como independência de dispositivo, localização física, segurança e confiabilidade, além de outras características expostas ao longo do trabalho, como otimização no uso de protocolos de comunicação e flexibilidade na utilização de conexões locais ou remotas. Também são descritos cenários efetivos de uso de onde e como o modelo 4iPay pode ser aplicado. Para tanto é apresentado o protótipo desenvolvido para avaliar o modelo. Por fim, são apresentados os resultados obtidos na avaliação dos cenários, nas avaliações de desempenho da aplicação e na pesquisa de campo de aceitação do modelo proposto.<br>This work aims at presenting a usability and architectural model for a mobile payment system. In our model, we assume independence of devices, of location, of mobile operator, and of administrator, to allow all kinds of payment in ubiquitous environments (Ubiquitous Commerce). In this work, we begin describing motivation, goals, and fundamental concepts, in which the proposed model is based. Next, we present related works and a detailed comparative analysis of those projects, deriving the most important features. Later, we propose a model of mobile payment, called 4iPay, based on those features. We detail the 4iPay model, architecture, features, and the technical-scientific proposal of an electronic commerce system in ubiquitous environments. We consider, in the proposed model, the convergence of various related works in terms of ubiquity, unity, universality, and unison. Thus, 4iPay aims at bringing together the best features, innovating and improving in some aspects. In the model, we propose a distinguished solution in terms of architecture, business model, usability, low bandwidth consumption and high performance in payment and receipt transactions. We also consider issues such as device independence, physical location, security and reliability, and other features related to mobile electronic commerce transactions, such as optimizing communications protocols usage and flexibility in local or remote connections. We also present the effective use in scenarios of where and how 4iPay can be applied. For this purpose we present the prototype developed to evaluate the model. Finally, we present the scenarios assessment results, the application performance evaluation and the proposed model acceptance survey.

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Aminoff, Fredrik, and Johan Dettel. "Payment Solutions for Services in Interactive TV : A Comparative Evaluation of Electronic Payment Systems." Thesis, Linköping University, Department of Management and Economics, 2004. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-2168.

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<p>The market for digital TV is developing and some industry actors focus on interactive TV. Interactive content and services that previously only were able to use through a standard PC are now available to use through the TV set. To distribute the services to the TV a so called set top box with broadband connection needs to be used. Such a box can be described as a unit where a standard PC and a digital TV receptor are integrated.</p><p>This thesis aims to investigate the market for electronic payment solutions with a focus on payment for interactive content and services in digital TV. The presumptive services are many which lead to a relative complex analysis of how they should be paid for. What kind of service is it really to be paid for? </p><p>In order to conduct an appropriate analysis this thesis contains an identification of five different service-/content types. The grouping we have conducted is in so called On Demand services, Voice over IP, Shopping, Interactive TV and web services. In order to be able to conduct a relevant assessment of how the distributed services should be paid for the understanding of the market situation is utterly important. Therefore the thesis contains a pre study of the different market actors that can be related to a set top box and interactive TV. </p><p>The study of eight different actors on the Swedish market provides an overview of content providers’ as well as payment companies’ view on how interactive content and services should be paid for. The result from the thesis is a recommendation on how an electronic payment solution should be designed and important aspects to think of. One of the key outcomes is that different services needs different types of payment solutions which implies that you should first decide on what type of services that are to be provided before a decision is made on the payment solution. </p><p>A byproduct from the thesis is the analysis model that facilitates analysis of services as well as payment solutions and - methods related to electronic payments and interactive media.</p>

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Yamori, Nobuyoshi, and Narunto Nishigaki. "Recent Developments of Digital Cash Projects in Japan." 名古屋大学大学院経済学研究科附属国際経済政策研究センター, 2005. http://hdl.handle.net/2237/11922.

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Rosqvist, Karl. "E-handel – hur utbrett är fenomenet shopping cart abandonment? : Ett kvantitativt kartläggande vad gäller svenska konsumenters preferenser vid betalningsfasen." Thesis, Linnéuniversitetet, Institutionen för informatik (IK), 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-68435.

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Shopping cart abandonment, eller digitalt avbrutna köp, beskrivs som problematiskt inom e-handelssektorn. I denna undersökning kartläggs svenska e-handelskonsumenters betalningspreferenser för att författaren ska kunna slutleda varför digitala köp avbryts. En informationsasymmetri råder mellan konsumenter och e-butiker som bidrar till negativa konsekvenser. Då ingen inhemsk, objektiv forskning finns att tillgå och den internationella forskning som existerar är svår att generalisera samt vid flertalet tillfällen är tidsinaktuell bör författarens forskningstillskott ses som relevant. Författaren kartlägger via en kvantitativ studie svenska konsumenters preferenser vid betalningsfasen. Resultatet leder till att konsumenternas krav vad gäller betalningsfasens utformning synliggörs. Svenska e-handelskonsumenter önskar snabba, smidiga och säkra betalningsfaser. En väl utformad betalningsfas väntas även minska den informationsasymmetri som råder mellan konsumenter och e-handlare. Tack vare en högre grad informationssymmetri väntas e-handlarnas respektive konverteringsgrader öka.<br>Shopping cart abandonment, i.e. discontinued digital purchases, is described as problematic in the e-commerce sector. In this report, digital consumers residing in Sweden will have their payment preferences mapped to allow the author to conclude why digital purchases are interrupted. Information asymmetry exists between consumers and e-retailers which in turn contributes to negative consequences. Since no domestic, objective research is available, and the existing international research is difficult to generalize and often dated, the author's research grant should be considered relevant. The author maps Swedish consumers preferences during the payment phase through a quantitative study. The study makes sure that the domestic consumer's preferences and demands regarding the payment phase are being made visible. Swedish consumers tend to want their payment phases to be fast, easily managed and secure. A well-designed payment phase is also expected to reduce the information asymmetry residing between consumers and e-retailers. Thanks to a more symmetric information flow, the conversion rates regarding e-retailers are expected to increase.

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林錦新. "Digital Evidence Seizures on E-cash Payment System." Thesis, 2003. http://ndltd.ncl.edu.tw/handle/3zf75a.

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Liao, Jyun-Jie, and 廖俊傑. "The Study of a Fair Electronic Payment System for Digital Content." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/95098867254955574256.

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碩士<br>國立中興大學<br>資訊科學與工程學系所<br>98<br>More and more customers purchase digital contents through the Internet due to its b popularity and convenience. However, there are a multitude of pirated editions of digital products that have become more available and easier to attain. Therefore, proving the legal ownership of digital contents has becomes more important than ever before. Many researchers have proposed various schemes to protect consumer''s ownership with watermarking mechanisms on secure payment systems. In this paper, we want to preserve customer’s ownership via subliminal message and propose an intact arbitration mechanism to solve the fairness of transactions between both the customer and the shop. In order to achieve above objectives, the security of this protocol employs five cryptographic techniques including the subliminal channel, Nyberg-Rueppel scheme, one-way hash function, Schnorr signature scheme and RSA cryptosystem. We propose two payment schemes: on-line payment system based on discrete logarithms problem and off-line payment system based on factoring problem. Our schemes not only protect customer’s legal ownership of digital content, but also achieve fair transaction, customer anonymity, owner tracing of coin and payment security.

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Books on the topic "Digital payment system"

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United States. Congress. House. Committee on Energy and Commerce. Subcommittee on Commerce, Consumer Protection, and Competitiveness. Digital audio recording: Hearing before the Subcommittee on Commerce, Consumer Protection, and Competitiveness of the Committee on Energy and Commerce, House of Representatives, One Hundred Second Congress, second session, on H.R. 4567, a bill to implement a royalty payment system and a serial copy management system for digital audio recording, and to prohibit certain copyright infringement actions, March 31, 1992. U.S. G.P.O., 1992.

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United States. Congress. Senate. Committee on the Judiciary. Subcommittee on Patents, Copyrights, and Trademarks. The Audio Home Recording Act of 1991: Hearing before the Subcommittee on Patents, Copyrights, and Trademarks of the Committee on the Judiciary, United States Senate, One Hundred Second Congress, first session, on S. 1623, a bill to amend Title 17, United States Code, to implement a royalty payment system and a serial copy management system for digital audio recording, to prohibit certain copyright infringement actions, and for other purposes, October 29, 1991. U.S. G.P.O., 1992.

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Digital audio recording: Hearing before the Subcommittee on Commerce, Consumer Protection, and Competitiveness of the Committee on Energy and Commerce, House of Representatives, One Hundred Second Congress, second session, on H.R. 4567, a bill to implement a royalty payment system and a serial copy management system for digital audio recording, and to prohibit certain copyright infringement actions, March 31, 1992. U.S. G.P.O., 1992.

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Mullan, P. The Digital Currency Challenge: Shaping Online Payment Systems through US Financial Regulations. Palgrave Pivot, 2014.

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Bollier, David. The Weightless Marketplace: Coming to Terms with Innovative Payment Systems, Digital Currencies and Online Labor Markets. The Aspen Institute, 2014.

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Martin, Keith. Everyday Cryptography. Oxford University Press, 2017. http://dx.doi.org/10.1093/oso/9780198788003.001.0001.

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Cryptography is a vital technology that underpins the security of information in computer networks. This book presents a comprehensive introduction to the role that cryptography plays in providing information security for technologies such as the Internet, mobile phones, payment cards, and wireless local area networks. Focusing on the fundamental principles that ground modern cryptography as they arise in modern applications, it avoids both an over-reliance on transient technologies and overwhelming theoretical research. The first part of the book provides essential background, identifying the core security services provided by cryptography. The next part introduces the main cryptographic mechanisms that deliver these security services such as encryption, hash functions, and digital signatures, discussing why they work and how to deploy them, without delving into any significant mathematical detail. In the third part, the important practical aspects of key management are introduced, which is essential for making cryptography work in real systems. The last part considers the application of cryptography. A range of application case studies is presented, alongside a discussion of the wider societal issues arising from use of cryptography to support contemporary cyber security.

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Bátiz-Lazo, Bernardo. Cash and Dash. Oxford University Press, 2018. http://dx.doi.org/10.1093/oso/9780198782810.001.0001.

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Cash and Dash looks at the origins and development of the automated teller machine (ATM) as means to provide the unifying thread to explain changes in retail banking brought about by and around the introduction of computer technology. Main themes include an explanation of why technological change is slow in retail financial markets, and how different groups of people and organizations interact to shape a particular technology. Documentary evidence helps to clarify the myth of the single inventor and details the monumental task to deliver digital banking for retail consumers. Of particular importance for banks around the world throughout this task, was the need to balance new and unintended uses of a device by consumers as opposed to solving impending technical issues and gaining consumers’ trust, acceptance, and high usage. Research illuminates the progress of an industry-specific innovation becoming a novelty and how new payment devices embed in everyday life. The story in Cash and Dash also illustrates that serious ethical and political issues can emerge while adopting, making operational, and maintaining a particular technology within and around retail financial institutions. This approach contrasts with others that perceive technological change as external, neutral, and devoid of context and social setting. The book aims to keep the focus of the narrative off obsolescence and on maintenance and reinvention, while also allowing space to provide conceptual underpinnings and celebrating industry milestones. In short, Cash and Dash recounts a story of decisions about capital investments, business strategies, and technological evolution, and how these were followed by decisions dealing with legacy systems, personnel, standards, locations, and whether machines could become a source of competitive advantage in retail banking.

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Unger, Brigitte, Lucia Rossel, and Joras Ferwerda, eds. Combating Fiscal Fraud and Empowering Regulators. Oxford University Press, 2021. http://dx.doi.org/10.1093/oso/9780198854722.001.0001.

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This book showcases a multidisciplinary set of work on the impact of regulatory innovation on the scale and nature of tax evasion, tax avoidance, and money laundering. We consider the international tax environment an ecosystem undergoing a period of rapid change as shocks such as the financial crisis, new business forms, scandals and novel regulatory instruments impact upon it. This ecosystem evolves as jurisdictions, taxpayers, and experts react. Our analysis focuses mainly on Europe and five new regulations: Automatic Exchange of Information, which requires that accounts held by foreigners are reported to authorities in the account holder’s country of residence; the OECD’s Base Erosion and Profit Shifting initiative and Country by Country Reporting, which attempt to reduce the opportunity spaces in which corporations can limit tax payments and utilize low or no tax jurisdictions; the Legal Entity Identifier which provides a 20-digit identification code for all individual, corporate or government entities conducting financial transactions; and the Fourth and Fifth Anti-Money Laundering Directives, that criminalize tax crimes and prescribe that the Ultimate Beneficial Owner of a company is registered. Working from accounting, economic, political science, and legal perspectives, the analysis in this book provides an assessment of the reforms and policy recommendations that will reinforce the international tax system. The collection also flags the dangers posed by emerging tax loopholes provided by new business models and in the form of freeports and golden passports. Our central message is that inequality can and has to be reduced substantially, and we can achieve this through an improved international tax system.

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Book chapters on the topic "Digital payment system"

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Laxmaiah, M., and T. Neha. "A Novel Approach for Digital Online Payment System." In Lecture Notes in Electrical Engineering. Springer Singapore, 2018. http://dx.doi.org/10.1007/978-981-13-0212-1_71.

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Groß, Stephan, Sabine Lein, and Sandra Steinbrecher. "A Multilateral Secure Payment System for Wireless LAN Hotspots." In Trust, Privacy, and Security in Digital Business. Springer Berlin Heidelberg, 2005. http://dx.doi.org/10.1007/11537878_9.

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Erlina, Rr, and Faila Shofa. "Performance analysis of vehicle tax payment system queue." In The Future Opportunities and Challenges of Business in Digital Era 4.0. Routledge, 2020. http://dx.doi.org/10.1201/9780367853778-19188.

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Chandra, Girish, and Divakar Yadav. "Verification of Money Atomicity in Digital Cash Based Payment System." In Information Systems Security. Springer Berlin Heidelberg, 2012. http://dx.doi.org/10.1007/978-3-642-35130-3_18.

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Soejachmoen, Moekti Prasetiani. "Financial Inclusion in Indonesia: Moving Towards a Digital Payment System." In Financial Inclusion in Asia. Palgrave Macmillan UK, 2016. http://dx.doi.org/10.1057/978-1-137-58337-6_5.

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Meza, Jaime, Luis Terán, and Martha Tomalá. "A Fuzzy-Based Discounts Recommender System for Public Tax Payment." In Applying Fuzzy Logic for the Digital Economy and Society. Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-03368-2_3.

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Egorova, Elena N., Irina V. Mukhomorova, and Anton I. Mosalev. "Digital Currency in the Development of Payment Systems on the Bitcoin Platform." In The Future of the Global Financial System: Downfall or Harmony. Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-030-00102-5_17.

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Kochergin, Dmitry, and Victor Dostov. "Central Banks Digital Currency: Issuing and Integration Scenarios in the Monetary and Payment System." In Business Information Systems Workshops. Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-61146-0_9.

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Singh, Anil Kumar, and Tagiya Mudang. "Digital Payment System and the Millennial in a Smart City: An Antecedent to Technopreneurship." In Lecture Notes in Electrical Engineering. Springer Singapore, 2020. http://dx.doi.org/10.1007/978-981-15-7031-5_11.

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Xu, Jun. "Digital Payment Systems." In Managing Digital Enterprise. Atlantis Press, 2014. http://dx.doi.org/10.2991/978-94-6239-094-2_9.

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Conference papers on the topic "Digital payment system"

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Petrov, N. A. "Digital Currencies As Tools For Electronic Payment System Development." In 18th International Scientific Conference “Problems of Enterprise Development: Theory and Practice”. European Publisher, 2020. http://dx.doi.org/10.15405/epsbs.2020.04.13.

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Carhuamaca, Danny, Frank Aire, Juan Cornejo, and Mario Chauca. "Machine Dispensing With Payment System Digital and Local Database." In the 2017 International Conference. ACM Press, 2017. http://dx.doi.org/10.1145/3141128.3141135.

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Ahmed, Mohammad Rasheed, Kandala Meenakshi, Mohammad S. Obaidat, Ruhul Amin, and Pandi Vijayakumar. "Blockchain Based Architecture and Solution for Secure Digital Payment System." In ICC 2021 - IEEE International Conference on Communications. IEEE, 2021. http://dx.doi.org/10.1109/icc42927.2021.9500526.

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Jameel, Fatima, and Nazir Ahmad Zafar. "Formal Modeling and Automation of E-Payment Smart Parking System." In 2021 International Conference on Digital Futures and Transformative Technologies (ICoDT2). IEEE, 2021. http://dx.doi.org/10.1109/icodt252288.2021.9441482.

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Chen, Po-Wei, Bo-Sian Jiang, and Chia-Hui Wang. "Blockchain-based payment collection supervision system using pervasive Bitcoin digital wallet." In 2017 IEEE 13th International Conference on Wireless and Mobile Computing, Networking and Communications (WiMob). IEEE, 2017. http://dx.doi.org/10.1109/wimob.2017.8115844.

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Guo, Hongliang. "The research on electronic commerce security payment system based on set protocol." In Fourth International Conference on Digital Image Processing (ICDIP 2012), edited by Mohamed Othman, Sukumar Senthilkumar, and Xie Yi. SPIE, 2012. http://dx.doi.org/10.1117/12.956444.

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Soldatova, Svetlana, and Svetlana Ushakova. "Effective system of payment for scientific work in conditions of digitalization." In SPBPU IDE '19: International Scientific Conference on Innovations in Digital Economy 2019. ACM, 2019. http://dx.doi.org/10.1145/3372177.3373303.

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Yang, JuCheng. "Biometrics Verification Techniques Combing with Digital Signature for Multimodal Biometrics Payment System." In 2010 Fourth International Conference on Mangement of E-Commerce and E-Government (ICMeCG). IEEE, 2010. http://dx.doi.org/10.1109/icmecg.2010.88.

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Thawre, Gopikishan, Nitin Bahekar, and B. R. Chandavarkar. "Use Cases of Authentication Protocols in the Context of Digital Payment System." In 2020 11th International Conference on Computing, Communication and Networking Technologies (ICCCNT). IEEE, 2020. http://dx.doi.org/10.1109/icccnt49239.2020.9225428.

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Elkamchouchi, Hassan, and Yasmine Abouelseoud. "Privacy protecting digital payment system using ID-based blind signatures with anonymity revocation trustees." In Systems (ICCES). IEEE, 2008. http://dx.doi.org/10.1109/icces.2008.4773011.

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Reports on the topic "Digital payment system"

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Payment Systems Report - June of 2020. Banco de la República de Colombia, 2021. http://dx.doi.org/10.32468/rept-sist-pag.eng.2020.

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With its annual Payment Systems Report, Banco de la República offers a complete overview of the infrastructure of Colombia’s financial market. Each edition of the report has four objectives: 1) to publicize a consolidated account of how the figures for payment infrastructures have evolved with respect to both financial assets and goods and services; 2) to summarize the issues that are being debated internationally and are of interest to the industry that provides payment clearing and settlement services; 3) to offer the public an explanation of the ideas and concepts behind retail-value payment processes and the trends in retail payments within the circuit of individuals and companies; and 4) to familiarize the public, the industry, and all other financial authorities with the methodological progress that has been achieved through applied research to analyze the stability of payment systems. This edition introduces changes that have been made in the structure of the report, which are intended to make it easier and more enjoyable to read. The initial sections in this edition, which is the eleventh, contain an analysis of the statistics on the evolution and performance of financial market infrastructures. These are understood as multilateral systems wherein the participating entities clear, settle and register payments, securities, derivatives and other financial assets. The large-value payment system (CUD) saw less momentum in 2019 than it did the year before, mainly because of a decline in the amount of secondary market operations for government bonds, both in cash and sell/buy-backs, which was offset by an increase in operations with collective investment funds (CIFs) and Banco de la República’s operations to increase the money supply (repos). Consequently, the Central Securities Depository (DCV) registered less activity, due to fewer negotiations on the secondary market for public debt. This trend was also observed in the private debt market, as evidenced by the decline in the average amounts cleared and settled through the Central Securities Depository of Colombia (Deceval) and in the value of operations with financial derivatives cleared and settled through the Central Counterparty of Colombia (CRCC). Section three offers a comprehensive look at the market for retail-value payments; that is, transactions made by individuals and companies. During 2019, electronic transfers increased, and payments made with debit and credit cards continued to trend upward. In contrast, payments by check continued to decline, although the average daily value was almost four times the value of debit and credit card purchases. The same section contains the results of the fourth survey on how the use of retail-value payment instruments (for usual payments) is perceived. Conducted at the end of 2019, the main purpose of the survey was to identify the availability of these payment instruments, the public’s preferences for them, and their acceptance by merchants. It is worth noting that cash continues to be the instrument most used by the population for usual monthly payments (88.1% with respect to the number of payments and 87.4% in value). However, its use in terms of value has declined, having registered 89.6% in the 2017 survey. In turn, the level of acceptance by merchants of payment instruments other than cash is 14.1% for debit cards, 13.4% for credit cards, 8.2% for electronic transfers of funds and 1.8% for checks. The main reason for the use of cash is the absence of point-of-sale terminals at commercial establishments. Considering that the retail-payment market worldwide is influenced by constant innovation in payment services, by the modernization of clearing and settlement systems, and by the efforts of regulators to redefine the payment industry for the future, these trends are addressed in the fourth section of the report. There is an account of how innovations in technology-based financial payment services have developed, and it shows that while this topic is not new, it has evolved, particularly in terms of origin and vocation. One of the boxes that accompanies the fourth section deals with certain payment aspects of open banking and international experience in that regard, which has given the customers of a financial entity sovereignty over their data, allowing them, under transparent and secure conditions, to authorize a third party, other than their financial entity, to request information on their accounts with financial entities, thus enabling the third party to offer various financial services or initiate payments. Innovation also has sparked interest among international organizations, central banks, and research groups concerning the creation of digital currencies. Accordingly, the last box deals with the recent international debate on issuance of central bank digital currencies. In terms of the methodological progress that has been made, it is important to underscore the work that has been done on the role of central counterparties (CCPs) in mitigating liquidity and counterparty risk. The fifth section of the report offers an explanation of a document in which the work of CCPs in financial markets is analyzed and corroborated through an exercise that was built around the Central Counterparty of Colombia (CRCC) in the Colombian market for non-delivery peso-dollar forward exchange transactions, using the methodology of network topology. The results provide empirical support for the different theoretical models developed to study the effect of CCPs on financial markets. Finally, the results of research using artificial intelligence with information from the large-value payment system are presented. Based on the payments made among financial institutions in the large-value payment system, a methodology is used to compare different payment networks, as well as to determine which ones can be considered abnormal. The methodology shows signs that indicate when a network moves away from its historical trend, so it can be studied and monitored. A methodology similar to the one applied to classify images is used to make this comparison, the idea being to extract the main characteristics of the networks and use them as a parameter for comparison. Juan José Echavarría Governor

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