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Journal articles on the topic 'Electronic payment system'

Author: Grafiati

Published: 28 May 2022

Last updated: 30 July 2025

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1

Salah Uddin, Mohammad, and Afroza Yesmin Akhi. "E-Wallet System for Bangladesh an Electronic Payment System." International Journal of Modeling and Optimization 4, no. 3 (2014): 216–19. http://dx.doi.org/10.7763/ijmo.2014.v4.376.

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Polovenko, Liudmyla, Svitlana Merinova, and Kateryna Kopniak. "The development of electronic payment systems in Ukraine and their security." VUZF Review 6, no. 2 (2021): 146–52. http://dx.doi.org/10.38188/2534-9228.21.2.17.

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The paper is devoted to the study of innovations in the market of modern payment systems. The pandemic and quarantine restrictions have accelerated the expansion of the payment infrastructure in Ukraine, which in turn raises the issue of security of electronic payment systems. Ukrainians are more actively switching to electronic payments. At the same time, the trend of growing popularity of contactless payment instruments and settlements with them continues. A comparative analysis of the security of payment systems using electronic technologies in the implementation of money transfer services

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Anil, Lohar, Y. Gajare Yogini, and Kumar Atul. "E-payment system: Characteristics and features." Siddhant Management Review 2, no. 1 (2017): 19–23. https://doi.org/10.5281/zenodo.6677351.

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The financial system is considered as a real backbone of any economy. A reliable and transparent financial system is a must for handling an increasing number of monetary transactions of the economy. The e-payment system in India becoming more popular and e-payments have witnessed an exponential growth in last few years. In this article, first attempt is made to understand the e-payments, second attempt to critically analyses characteristics of e-payment system and final attempt to find the features of the ideal electronic payment system. The article is based on exploratory research and seconda

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Vasylenko, Oleksandr. "Electronic payment system as an object of criminal encroachment." Yearly journal of scientific articles “Pravova derzhava”, no. 32 (2021): 515–22. http://dx.doi.org/10.33663/0869-2491-2021-32-515-522.

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Introduction. In recent years, the number of payment transactions carried out using electronic payment systems has grown rapidly. Despite the steady growth of electronic payments among both individuals and legal entities, a number of problems remain unresolved, which primarily include ensuring the security of electronic payment transactions by the state at the legislative level and the development of effective means of combating and preventing crime. in the specified area. The current criminal legislation contains certain rules that can ensure the security of the electronic payment system. But

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Lisniak, Vladyslavа. "INTERNATIONAL EXPERIENCE OF ELECTRONIC PAYMENT SYSTEMS USING IN UKRAINE." Economic Analysis, no. 28(3) (2018): 149–53. http://dx.doi.org/10.35774/econa2018.03.149.

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Introduction. In the course of this research attention was paid to the study of theoretical and practical aspects of the development of electronic payment systems in the world and in Ukraine. The general scheme of electronic payment system work is considered. The dynamics of payments by means of electronic payment systems on the territory of Ukraine is determined. The basic principles of electronic payment systems activity are substantiated. The advantages and disadvantages of electronic payments are considered. The results of the study can be used as practical recommendations for improving th

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Huang, Ting. "Design of Mobile Electronic Micro-Payment System." Applied Mechanics and Materials 530-531 (February 2014): 859–64. http://dx.doi.org/10.4028/www.scientific.net/amm.530-531.859.

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Mobile electronic micro-payment system uses mobile terminals for electronic payments which can circulate in multiple banks and cannot limit from the bank that issues the e-cash. This paper researches electronic micro-payment on the agreement of opening account, the withdrawal agreement, the pay agreement, the deposit agreement, the update protocol of the e-cash based on elliptic curve cryptography (ECC). The design of this system is more suitable for mobile micro-payment terminals with limit of calculation capacity, storage, network bandwidth and power supply, which satisfies the needs of the

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Tkachuk, Volodymyr. "Problems of development of non-banking payment systems in Ukraine." Economic Analysis, no. 29(4) (2019): 80–88. http://dx.doi.org/10.35774/econa2019.04.080.

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Introduction. The development of non-cash payments is the key to economic growth in any country, because on the one hand, the level of control over payments increases, and on the other - the volume of customer spending increases, which leads to increased consumption and GDP growth. However, current trends in e-commerce and online commerce require the emergence of new technological solutions in the form of electronic payment systems that can legally handle transactions with electronic money and cryptocurrencies. Given the rapid pace of growth in transactions through non-banking electronic payme

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Tan, Kendry, and Hari Sutra Disemadi. "Urgency of Electronic Wallet Regulation in Indonesia." Nagari Law Review 5, no. 1 (2021): 1. http://dx.doi.org/10.25077/nalrev.v.5.i.1.p.1-14.2021.

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The payment system in Indonesia has undergone significant changes to date. Starting from the barter system to the existence of an electronic payment system. This change is caused by the development of technology, which has an impact on changing people's lifestyles. The payment system has been known to the public since 2014 when Bank Indonesia issued the National Non-Cash Movement (GNNT) policy. This policy aims to create a cashless society eco-system while at the same time introducing the advantages of electronic payments to the public. Electronic payments are considered safer, more efficient,

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Bekmurodov, Shakhzod Komol son. "ACCOUNTING AND AUDITING OF ELECTRONIC MONEY IN BANKS." TJE - Tematics journal of Social Sciences 10, no. 7 (2022): 74–81. https://doi.org/10.5281/zenodo.6351505.

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<strong>Abstract. </strong>A payment system (hereinafter referred to as the "PS") is a set of relations that ensure the implementation of payments through the interaction of (1) the PS operator, (2) the PS participant and (3) payment organizations through the application of (a) procedures, (b) infrastructure and (c) rules of the payment system established by the PS operator. Uzcard, Humo and Upay are currently national payment systems.

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Bekmurodov, Shakhzod Komol son. "ACCOUNTING AND AUDITING OF ELECTRONIC MONEY IN BANKS." Thematics Journal of Business Management 5, no. 1 (2022): 36–43. https://doi.org/10.5281/zenodo.6410021.

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<strong>Abstract. </strong>A payment system (hereinafter referred to as the "PS") is a set of relations that ensure the implementation of payments through the interaction of (1) the PS operator, (2) the PS participant and (3) payment organizations through the application of (a) procedures, (b) infrastructure and (c) rules of the payment system established by the PS operator. Uzcard, Humo and Upay are currently national payment systems.

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Duchdara, Doungkamol, and Kalyaporn Panmarerng. "A development of a casual relationship model of factors influencing tax payment through the electronic system of commercial registered entrepreneurs." International Journal of Innovative Research and Scientific Studies 8, no. 4 (2025): 1173–80. https://doi.org/10.53894/ijirss.v8i4.8039.

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Study the level of implementation of tax law reform, the motivation quality of the electronic tax payment system, intentions in paying taxes through the electronic system, and analyze factors that influence the payment of taxes through the electronic system. Additionally, present guidelines for entrepreneurs to conduct tax payments via the electronic system. Data were collected from 300 chief executive officers, directors, managers, or other officials involved in taxation, and analyzed using statistical and content analysis methods. Tax law reform creates incentives to use electronic tax payme

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Khanin, I. H., and Y. O. Sopin. "Electronic Payment Systems: Operation Peculiarities and Economic Efficiency Assessment." PROBLEMS OF ECONOMY 4, no. 50 (2021): 173–80. http://dx.doi.org/10.32983/2222-0712-2021-4-173-180.

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The PayTech sector, which is transforming payment methods, has become one of FinTech's largest segments. Electronic payment systems (EPS) are developing actively and acquiring certain specific features, which are important for their creation and refinement. The achievement and maintenance of the EPS economic efficiency is the fundamental prerequisite for their sustainable development, which fact is especially important for payment services providers. The article is aimed at clarifying the nature and structure of EPS, and singling out the features of their functioning and the basis for assessin

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Elksne, Maija, and Pēteris Grabusts. "ELECTRONIC PAYMENT SAFETY PROVIDE OPTIONS." HUMAN. ENVIRONMENT. TECHNOLOGIES. Proceedings of the Students International Scientific and Practical Conference, no. 21 (April 19, 2017): 83–88. http://dx.doi.org/10.17770/het2017.21.3587.

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The aim of the reports is to view and compare the electronic payment safety providers. Report consist of three chapters. In the first chapter is witten general information of electronic payments safety. In the second chapter is described security certificate provaider examples and in the third chapter is payment system comparative analysis.

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TRUBIN, I. "Payment systems based on electronic money as a component of the electronic payment system." INFORMATION AND LAW, no. 2(8) (July 25, 2013): 65–71. http://dx.doi.org/10.37750/2616-6798.2013.2(8).272306.

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Based on the classification of e-money we did analysis of the main types of payment systems in which e-money is used as a means of payment. In this article we present structure of electronic payment systems and the definition of “payment system based on electronic money” term.

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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

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ALI, ANDREW SIMON, UWAOMA IGNATIUS IRONKWE, and JOHNSONN NWAIWU. "Electronic Payment System and Tax Payment in Nigeria." GPH-International Journal of Business Management 06, no. 09 (2023): 76–88. https://doi.org/10.5281/zenodo.8385716.

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<strong>This study investigates the factors affecting the adoption of electronic payment systems for tax payment in Rivers State, Nigeria. Given the increasing importance of digitization in financial transactions, understanding these factors can provide valuable insights for policymakers, taxpayers, and accounting professionals alike. The aim is to evaluate the role of four primary variables: ease of use, security concerns, government support, and taxpayer behavior in the successful implementation of electronic tax payment systems. The study employed a survey design and was conducted among 400

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Ahmed, Abdulkarim Talib, and Dawood Salman Aymen. "Development of an electronic payment system using the Internet of things." IAES International Journal of Robotics and Automation (IJRA) 11, no. 3 (2022): 213–22. https://doi.org/10.11591/ijra.v11i3.pp213-222.

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Smartphone has become more widely used than ever and become necessary to develop electronic payment systems using the internet of things (IoT) techniques with the smartphone. Payment solution is one of the most important issues in the IoT. It is the future to make life easier and better through the new relationships will be commercial, requiring payment for services and products. This paper develops a prototype of a payment system consisting of a network from several interconnecting devices such as radio frequency identification (RFID) reader, RFID card tag, equipped with microprocessors NodeM

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Karim, Nina Karina, Siti Atikah, and Indria Puspitasari Lenap. "FAKTOR-FAKTOR YANG MEMENGARUHI PENGGUNAAN PEMBAYARAN ELEKTRONIK NON-BANK." Jurnal Aplikasi Akuntansi 7, no. 1 (2022): 39–59. http://dx.doi.org/10.29303/jaa.v7i1.147.

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Transformation of payment systems triggered by advances in information technology and development of electronic gadgets have provided easier ways to conduct payments, starting from sales transaction to bill settlements. This research aims to seek what factors determine the choice to use non-bank electronic payment system and its impact on personal accountability and financial planning. User opinion on factors that comes into consideration in selecting non-bank electronic payment system is gathered through questions based on the criteria set by Theory of Planned Behavior. From 316 questionaires

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Haruna, I. O., P. A. Aidonojie, and O. J. Beida. "Prospects and Issues Concerning the Regulatory Regime of E-Payment System in Nigeria." Journal of Digital Technologies and Law 2, no. 2 (2024): 372–93. http://dx.doi.org/10.21202/jdtl.2024.19.

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Objective: to reveal the legal challenges impeding the smooth operation of electronic payment systems in Nigeria, given that Nigerian official bodies and individuals have already taken some steps to regulate the electronic payment system in the country, but the said step are insufficient.Methods: the study is built on several approaches to the issues of the legal regime of electronic payments in Nigeria. Alongside with the doctrinal interpretation of the legal framework regulating the relations associated with the use of electronic payment system, the authors used sociological cognitive tools

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Talib, Ahmed Abdulkarim, and Aymen Dawood Salman. "Development of an electronic payment system using the Internet of things." IAES International Journal of Robotics and Automation (IJRA) 11, no. 3 (2022): 213. http://dx.doi.org/10.11591/ijra.v11i3.pp213-222.

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<span lang="EN-US">Smartphone has become more widely used than ever and become necessary to develop electronic payment systems using the internet of things (IoT) techniques with the smartphone. Payment solution is one of the most important issues in the IoT. It is the future to make life easier and better through the new relationships will be commercial, requiring payment for services and products. This paper develops a prototype of a payment system consisting of a network from several interconnecting devices such as radio frequency identification (RFID) reader, RFID card tag, equipped w

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Sahfitri, Lala Pricilia, and Muhammad Irwan Padli Nasution. "Electronic Education Payment System Using Design Thinking Method At Mis Muhajirin." JOURNAL OF INFORMATICS AND TELECOMMUNICATION ENGINEERING 7, no. 2 (2024): 448–60. http://dx.doi.org/10.31289/jite.v7i2.10845.

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Electronic Education Payment information system is an education fee payment system using online payment technology. However, the tuition payment system at MIS Muhajirin is still done manually by recording each payment transaction using the SPP card. This is an obstacle because it causes long queues by parents when paying tuition fees and there is also a high possibility of human error. This research aims to produce a web-based online payment information system at MIS Muhajirin, as well as to determine the level of efficiency if implemented at MIS Muhajirin. The method used in this research is

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Diana Aviyanti, Richo, Erwin Saraswati, and Arum Prastiwi. "ANALYSIS OF ACCEPTANCE OF ACCOUNTING INFORMATION SYSTEM IMPLEMENTATION BASED ON ELECTRONIC PAYMENT USING THE UTAUT MODEL." International Journal of Accounting and Business Society 29, no. 2 (2021): 119–49. http://dx.doi.org/10.21776/ub.ijabs.2021.29.2.8.

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Purpose — This study aims to examine and analyze the effect of performance expectancy, effort expectancy, social influences, and facilitating conditions on the actual use of electronic payment-based accounting information systems. Design/methodology/approach — Data obtained through online questionnaires filled out by 247 active users of electronic payment systems. The analysis method used is a Structural Equation Modeling/SEM with a Partial Least Square/PLS test tool. Findings — Empirical evidence shows that performance expectancy, effort expectancy, social influences, and facilitating conditi

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Espeleta, Rina Marie. "Utilization of Standard Electronic Payment System among Private Higher Education Institutions in the Province of Albay." JPAIR Multidisciplinary Research 50, no. 1 (2022): 140–58. http://dx.doi.org/10.7719/jpair.v50i1.571.

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Electronic Payment Systems, the transfer of funds through electronic or digital mediums. Several electronic payment options are available, including mobile wallets, bank cards, and mobile banking. Electronic payments are quick and efficient, and the fund transfer occurs instantly. Electronic payments are quickly gaining popularity in the Philippines, giving students a secure and practical means to pay for enrolment fees and other educational costs as schools adopt alternative learning techniques. The purpose of this research is to determine the status of electronic payment in the selected Priv

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Bakšys, Donatas, and Leonidas Sakalauskas. "MODELLING OF INTERBANK PAYMENTS." Technological and Economic Development of Economy 12, no. 4 (2006): 269–75. http://dx.doi.org/10.3846/13928619.2006.9637753.

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Non‐cash payments are intensively growing in the payment market. Therefore modern electronic systems of interbank payments are introduced to satisfy this need. The substantial renewal of the payment system was prompted for the implementation of the new banking technologies and aimed at increasing fund turnover as well as complying with the requirements applied in regard of payment systems. Such a system change is a topical theme of discussion on the simulation and analysis of systems of such kind. The article analyses the opportunities for simulating the interbank payment system and presents a

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Kovács, Levente, and Sandor David. "Fraud risk in electronic payment transactions." Journal of Money Laundering Control 19, no. 2 (2016): 148–57. http://dx.doi.org/10.1108/jmlc-09-2015-0039.

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Purpose The purpose of this paper is the timely review of regulations on the security of electronic payments, payment innovations and their vulnerabilities and discussing the recommendations elaborated by the European Forum on the Security of Retail Payments. Design/methodology/approach First, the article presents a serious fraud case which happened in the Hungarian banking system. This case demonstrates all risks associated with the security of payment channels being used. Next, the article examines those international SecuRe Pay Forum recommendations which target the elimination of such frau

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Atul, Kumar. "A study of significant characteristics of e-payment regime in India." MERC Global's International Journal of Management 7, Special Issue 1 (2019): 168–74. https://doi.org/10.5281/zenodo.6671536.

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The financial system is the pillar of any economy. Reliability and transparency are two keys behind any financial system of an economy to handle an increasing number of monetary transactions. In India, for a few years, the e-payment system has accelerated growth due to its popularity among citizens. In this article, the first aim is to understand the e-payments, the second aim is to acutely analyse characteristics of e-payment system and final aim is to find the features of the ideal electronic payment system. The article is constructed with exploratory research and secondary data. The data wa

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DUDIN, Mihail Nikolaevich, Vadim Nikolaevich ZASKO, Evgeniya Evgenevna FROLOVA, Natalya Georgievna PAVLOVA, and Ekaterina Petrovna RUSAKOVA. "Mitigation of Cyber Risks in the Field of Electronic Payments: Organizational and Legal Measures." Journal of Advanced Research in Law and Economics 9, no. 1 (2018): 78. http://dx.doi.org/10.14505//jarle.v9.1(31).11.

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The issues of ensuring the electronic payments’ security are currently in the limelight of participants in the monetary system and the scientific expert community. The goal of this paper is to develop organizational and legal measures aimed at improving the security of electronic payments in the Russian Federation. Research methods include the analysis of retrospective data describing the development of the payment system and electronic payments using bank cards, as well as the method of statistical observations and analysis of secondary data from surveys of Russian and foreign companies

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Karunakaran, N., P. Shibu, and M. D. Devasia. "Trend and dynamics of card payment system in India." Journal of Management Research and Analysis 8, no. 4 (2021): 193–97. http://dx.doi.org/10.18231/j.jmra.2021.037.

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Payment system in India has undergone a dramatic change in recent years. The payment through cards, using both debit and credit cards, is one of the early innovations in the modern payment system in the country. Several intermediaries are involved in the effective functioning of card payment mechanism. As a result, the card payment infrastructure has grown remarkably well across India. The volume of payments made through these devices as well as the value of card payments increased rapidly in the last two decades. Among the commercial banks, the State Bank of India dominates in the maintenance

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Hassan, Md Arif, Zarina Shukur, Mohammad Kamrul Hasan, and Ahmed Salih Al-Khaleefa. "A Review on Electronic Payments Security." Symmetry 12, no. 8 (2020): 1344. http://dx.doi.org/10.3390/sym12081344.

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Modern technology is turning into an essential element in the financial trade. We focus the emphasis of this review on the research on the E-wallet and online payment, which is an element of an electric payment system, to get the pattern of using this service. This research presents a review of 131 research articles published on electronic payment between 2010 and 2020 that uses a qualitative method of answering the research questions (RQ): RQ1: “What are the major security issues regarding using electronic payments”? and RQ2: “What security properties need to comply for secure electronic paym

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Dr., P. Sabarinathan, and Vadivelmurugan S. "CONSUMER SATISFACTION TOWARDS ONLINE ELECTRICITY BILL PAYMENT SYSTEM (A STUDY WITH SPECIAL REFERENCE TO POLLACHI TALUK)." International Journal of Current Research and Modern Education 3, no. 1 (2018): 27–30. https://doi.org/10.5281/zenodo.1145482.

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Online payment systems remain a major factor in today’s e-commerce sector. Because businesses are expanding globally and also offering online options, the need for alternative forms of payment are quite significant. An e-commerce payment system facilitates the acceptance of electronic payment for online transactions. Also known as a sample of Electronic Data Interchange (EDI), e-commerce payment systems have become increasingly popular due to the widespread use of the internet-based shopping and banking. E-payments services are a convenient and efficient way to do financial transactions.

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Lambongang, James Mado. "Assessing the Customer Behaviour in Relation to Electronic Payment Systems (EPS) in Some Ghanaian Banks in the Kumasi Metropolitan Assembly- Kumasi, Ghana." TEXILA INTERNATIONAL JOURNAL OF ACADEMIC RESEARCH 10, no. 3 (2023): 156–77. http://dx.doi.org/10.21522/tijar.2014.10.03.art013.

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Although other payment methods are available, like card, cheque, mobile, and online payments, most Ghanaians still use the cash payment system. The study examined how Ghanaian customers felt about using electronic payments. These included determining thesector andctors that influence consumer adoption and use of electronic payment services in Ghanaian banks, examining customer satisfaction with e-payment in the banking sector, and preventing fraud. A sample size of 100 participants was chosen for the study using purposive sampling to select participants from the banks and systematic sampling t

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Mat Shafie, Intan Syafinaz, Yuslina Liza Mohd Yusof, Ainun Nadzirah Mahmood, Nor Irvoni Mohd Ishar, Hartini Zuhaila Jamal, and Noor Hidayatul Aini Abu Kasim. "Factors Influencing the Adoption of E-Payment: An Empirical Study in Malaysia." ADVANCES IN BUSINESS RESEARCH INTERNATIONAL JOURNAL 4, no. 2 (2020): 53. http://dx.doi.org/10.24191/abrij.v4i2.10009.

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This study examines the antecedents of the factors that influence customers to adopt the electronic payment system while making payments. Payment is the one of the element to complete the transaction while making payment. Due to the development of E-commerce, e-payment systems have been introducing. So, the use of electronic payment systems is being increasing day by day for people to complete their task quickly ineffective way. The result of the study shows that there is a relationship between dependent variables (effort expectancy and social influence) and independent variable (Adopton of e-

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Goyal, Dr Akhil. "Evolution of Payment System and Rises of Mobile Payment." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 06 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem35731.

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The evolution of payment systems highlights humanity's pursuit of efficiency, security, and convenience. Starting with barter systems, societies transitioned to commodity money like livestock and metals, eventually adopting metal coins around 600 BCE for their durability and divisibility. Paper money emerged in China during the Tang Dynasty, spreading to Europe as a lighter alternative. The Renaissance era saw banking institutions introduce bills of exchange and promissory notes. The 20th century brought charge and credit cards, followed by electronic payments with ATMs and digital cash. The 2

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Dr., Roshan Lal Rohilla. "Legal Issues Involved in Electronic Payments System in India." International Journal of Current Science Research and Review 07, no. 02 (2024): 864–71. https://doi.org/10.5281/zenodo.10603941.

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Abstract : The Indian economy has developed rapidly after the induction of digital interfaces in commerce, trade, and industry particularly after the popularisation of electronic payment systems or digital banking. Since 2016 when the Government of India announced demonetization, electronic payments have been rising and are expected to continue in the future because the government has promoted these types of payments. Internet penetration in India was 47 percent in 2022 and it was more than 100 percent in urban areas as compared to rural areas, now with the expansion of the information technol

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Ai, Jing Feng. "Study and Design on Electronic Cash System Security Architecture." Advanced Materials Research 816-817 (September 2013): 962–66. http://dx.doi.org/10.4028/www.scientific.net/amr.816-817.962.

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The rapid development of electronic financial services, attendant come an increasingly serious network security problem, especially electronic cash exchange network security issues facing the urgent need to resolve. In this paper, electronic cash scheme detailed research and analysis, and then design a secure electronic cash system based on an improved theory of electronic cash scheme, it includes detailed electronic payment requirements analysis, system design, e-commerce payment system design, server design and client design. Finance and electronics industry combining electronic financial sy

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Inedu Hitlar, Idoko C. Usman, and Adama J. Ibrabim. "Electronic payment system and the growth of small and medium scale enterprises in Nigeria." International Journal of Advanced Economics 7, no. 2 (2025): 40–50. https://doi.org/10.51594/ijae.v7i2.1817.

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Electronic payment system does not mean a total elimination of cash, but financial environment that minimizes the use of physical cash by providing alternative channel for making payment. The objectives of this study include; to identify the challenges those have hindered the adoption of e-payment system by small and medium scale enterprises, to investigate if e-payment system in any way enhanced the growth on small and medium scale business enterprises and finally to determine whether the Small and Medium Scale Enterprises in Idah Federal Constituency of Kogi State, Nigeria possess the requis

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Kyaw, Zay Oo. "Design and Implementation of Electronic Payment Gateway for Secure Online Payment System." International Journal of Trend in Scientific Research and Development 3, no. 5 (2019): 1329–34. https://doi.org/10.5281/zenodo.3590719.

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In e commerce, main problem is to be more secure for payment systems and disputation between online merchant and customer. To solve this problem, this paper presents design and implementation of Electronics Payment Gateway for online payment system. In this system, a customer's financial information credit or debit card information is sent directly to a Payment Gateway also called Trusted Third Party, TTP instead of sending it through an online merchant. The Payment Gateway can support more secure for online payment system. In this system, Secure Socket Layer SSL with Rivest-Shamir-Adleman

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M, Prakash. "A Study on Consumer Perception Towards Digital Payment." East Asian Journal of Multidisciplinary Research 1, no. 6 (2022): 1033–44. http://dx.doi.org/10.55927/eajmr.v1i6.688.

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The digital economy, electronic commerce and electronic banking are now being used by the new technologies and the wider global network, especially internet, within and outwardly. Increasing use of internet, electronic devices and government initiative such as digital India with a vision to transforming India into digital society by cashless transaction. After demonetization in India the digital payment system emerged tremendously. In recent days many changes took place in the payment system like digital wallets, UPI, AEPS, QR code and BHIM apps for smooth shift to digital payments. The study

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Nyoka, Mumuni Abdulai, Abdul-Mumin Selanwiah Salifu, and David Sanka Laar. "An Electronic Payment System for Revenue Collection in the Kassena Nankana Municipality." Asian Journal of Research in Computer Science 16, no. 4 (2023): 428–37. http://dx.doi.org/10.9734/ajrcos/2023/v16i4402.

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Traditionally, revenue collection in Kassena-Nankana Municipal Assembly (KNMA), as in Ghana, was manual, with some ICT systems employed recently.This study designed an E-payment system for revenue collection in the KNMA. The research focused on the development and implementation of an electronic payment system, to facilitate revenue mobilization. The study utilizes tools such as HTML, CSS, PHP, JavaScript, MYSQL, SQL, and other resources like VS Code, and payment APIs for the development of the system as well as azure key vaut and secureauth for incription and muti-factor authentication( MFA).

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Khan, Imran. "The Electronic Payment Systems in a Developing Economy with Reference to Guyana." TEXILA INTERNATIONAL JOURNAL OF MANAGEMENT 8, no. 1 (2022): 26–35. http://dx.doi.org/10.21522/tijmg.2015.08.01.art003.

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The general intention of this Publication is to feature Electronic Payment Systems in a Developing Economy with reference to Guyana and the bearing comprising the advantages in cultivating payment systems while heightening safety, the efficiency of payments, and cost savings. The continuous transformation of a developing economy’s payments system will support monetary growth through the fiscal system for its sustainability and enables proficient financial interposition. This publication further highlights the need for frequent evaluation and supervision for the continuous modernization of elec

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Qiu, Fenghua, and Yunqian Tan. "Discussion on the Development of Mobile Payment Technology in the Era of Digital Economy- Taking Tencent as an Example." BCP Business & Management 36 (January 13, 2023): 135–41. http://dx.doi.org/10.54691/bcpbm.v36i.3400.

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Mobile payment means that mobile clients use mobile phones and other electronic products to make electronic currency payments. Mobile payment effectively combines the Internet, terminal devices, and financial institutions to form a new payment system. Mobile payment can not only make monetary payments, but also pay for living expenses such as phone bills, gas, water and electricity. Mobile payment has created a new way of payment, making electronic money popular. At present, the two-dimensional code has many drawbacks, and the addition of the blockchain can reduce the shortcomings of the two-d

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Syah Putra, Arman, Mety Titin Herawaty Mety Titin Herawaty, and Nurul Aisyah Nurul Aisyah. "The Effectiveness Of Using E-Money On The Smart Transportation Payment System In The City Of Jakarta." International Journal of Educational Research & Social Sciences 3, no. 1 (2022): 360–66. http://dx.doi.org/10.51601/ijersc.v3i1.284.

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The background of this research is how to find out the effectiveness of the use of electronic money that is applied to the transportation system so that it can help the payment system to be more sophisticated and can help the wider community in making payments quickly in various sectors. The method used in this study is to use the literature review method and use quantitative methods, which use survey tools, with a survey, the data will be confirmed as real data, which can be useful in data processing so that you can find out the results of the data in field. The problem raised in this researc

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AllahRakha, Naeem. "Legal analysis of the law of the republic of Uzbekistan "on payments and payment system"." Tsul legal report 5, no. 1 (2024): 38–55. http://dx.doi.org/10.51788/tsul.lr.5.1./wajr6426.

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This paper examines Uzbekistan's legislation governing payments and payment systems, Law No. LRU-578, enacted on November 1, 2019. It provides background on the law's objectives of regulating relationships around payment services among individuals and entities. The aim is to assess key provisions concerning system operators, participant roles, licensing, risk management, settlement finality, electronic money, security protocols, and Central Bank oversight. Methodologically, the law's text is reviewed to summarize directives and elucidate concepts. Results detail defined terms, system categoriz

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Цветков, В. А., М. Н. Дудин, Н. В. Лясников, and С. Н. Сайфиева. "The development of electronic payment systems and cyber security in the Russian Federation." Вестник МИРБИС, no. 15 (October 19, 2018): 136–53. http://dx.doi.org/10.25634/mirbis.2018.3.15.

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Актуальность исследования обусловлена широким распространением расчетов в электронной форме в российской платежной системе, поскольку перевод платежей в электронный формат дает возможность увеличить их скорость, сократить период обработки информации. Методами исследования являются общенаучные методы анализа и синтеза, экономико-статистические методы для анализа динамики развития электронных платежных систем. В статье исследованы понятия, сущность и правовое регулирование электронных платежных систем и их защиты, рассмотрена проблема обеспечения их безопасности в связи с развитием киберпреступн

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Ahmed, Awais, Abdul Aziz, and Muhammad Muneeb. "Electronic payment system: A complete guide." Journal of Multidisciplinary Sciences 1, no. 2 (2019): 1–17. http://dx.doi.org/10.33888//jms.2019.121.

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Saadi, Abdulmunm. "Importance Electronic Payment System for Economy." International Journal of Scientific and Research Publications (IJSRP) 11, no. 8 (2021): 544–47. http://dx.doi.org/10.29322/ijsrp.11.08.2021.p11666.

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Naeem, Marwah, Methaq Hameed, and Mustafa Sabah Taha. "A study of electronic payment system." IOP Conference Series: Materials Science and Engineering 767 (March 21, 2020): 012008. http://dx.doi.org/10.1088/1757-899x/767/1/012008.

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A. Akintoye, K., and O. I. Araoye. "Combating EFraud on Electronic Payment System." International Journal of Computer Applications 25, no. 8 (2011): 48–53. http://dx.doi.org/10.5120/3048-4144.

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Rybchuk, Anatoliy V., and Yury R. Kozyr. "The Prospects for the Use of Bank Electronic Means of Payment." Business Inform 2, no. 541 (2023): 216–22. http://dx.doi.org/10.32983/2222-4459-2023-2-216-222.

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The article explores the current trends in the development of the market of electronic payment systems, which involves the active use of innovative means of payment and strengthens the importance of non-cash payments for electronic customer service. It is substantiated that payment systems, forming an infrastructure of non-cash cash turnover, must meet the objectives of the country’s monetary policy as to targeting inflation, accelerating money circulation, maintaining liquidity, and sovereignizing national payment turnover. It is noted that the material embodiment of electronic technologies i

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Fernaldo, Aggasy Problema, and Asrul Sani. "SISTEM PAKAR DIAGNOSA GANGGUAN MESIN EDC MENGGUNAKAN METODE FORWARD CHAINING PADA BANK INDONESIA." EBID:Ekonomi Bisnis Digital 1, no. 2 (2023): 231–40. http://dx.doi.org/10.37365/ebid.v1i2.228.

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An EDC (Electronic Data Capture) machine is an electronic device used to collect, store and manage electronic payment transaction data, such as credit or debit cards. Typically, EDC machines are used by merchants or retailers to accept payments from customers by credit or debit card. EDC machines connect to electronic payment networks and facilitate secure data transfer between customer cards and payment systems. The aim is to implement the forward chaining method and create an expert system that can diagnose EDC machine damage and disturbances. The forward chaining method is used in this rese

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