Analysis Tracking Online Payment System

Payment is an important factor in a purchase transaction. Ease of payment is a convenience factor in shopping. The easier way of payment of the service users will be more comfortable in the shop. The conditions will be different if the groceries are many and varied and the quality but the payment difficulties. In this research will be investigated whether the payment model most widely used on the Internet. This research aims to produce a model of how the survey the most widely used on the Internet. The benefit of this research is as a reference for users and merchants to use payment models are much in demand and are commonly used on the Internet. The method used is the categorization of websites, analyze and find the payment model used by the web commerce. The results of this study were 80 respondents, 56 respondents used the BCA, Bank Mandiri 47 respondents, 36 respondents using BNI46, 10 respondents using Paypal, 13 respondents use credit cards and 15 respondents did not specify the model of payment. From the survey results look BCA most widely used. Index Terms — Online Payment ———————————————————— 1.1. Background Payment is an important factor in a purchase transaction. Ease of payment is a convenience factor in shopping. The easier way of payment of the service users will be more comfortable in the shop. The conditions will be different if the groceries are many and varied and the quality but the payment difficulties. Some search engines have been able to identify the language used in a document. This identification process is usually done by recognizing a few words in a document that is a trait or quirk for a particular language, but search engines do not analyze the contents of the documents found. Consequently, for a search condition to be very limited and even led to the search results that do not have a relationship. Handayani dkk, Fasilkom UI Utilization of Information Technology in particular the current Internet is growing and strategic in our business activities. Use of the Internet is increasingly perceived benefit in having the ability to be accessed 24 hours and provide information that is more accurate in a relatively short time. 1.2. Problem Formulation Banking is the most widely used as a means of payment on the internet 1.3. Limitation Problem Companies that used for the study is an online company 1.4. Research Objectives Knowing what the bank most widely and commonly used on the Internet 1.5. Benefits of Research As an online payment reference for employers if it will use an online business 1.6. Research Methods a. Observation. In this method, researchers seeking data from search engines and then find a bank official portal listed on the web b. Capture. List of sites found on the capture to save bandwidth and as documentation 2.1. Payment System Payment System is a system that deals with the transfer of a number of value for money from one party to another party. The medium used for the transfer of the value of money is very diverse, ranging from the simple use of payment instruments to the use of a complex system and involves various agencies following the rules. Authority to regulate and maintain the payment system in Indonesia implemented by Bank Indonesia as outlined in the Bank Indonesia Law. In carrying out this mandate, BI refers to the four policy principles of payment systems, namely security, efficiency, equality of access and consumer protection. Safe means any risks in payment systems such as liquidity risk, credit risk, fraud risk should be managed and mitigated well by any payment system. The principle of efficiency emphasized that penyelanggaran payment system should be used widely so that the cost to society will be cheaper due to increased economies of scale. Then the principle of equality of access means that the central bank does not want any monopolistic practices in the implementation of a system that can hinder other players to enter. Last is the duty of all operators of payment systems to pay attention to aspects of consumer protection. Meanwhile, in relation to the institution conducting the circulation of money, the payment system is implemented with a sustained amount of cash circulating in the community and in a condition fit for circulation or commonly called clean money policy. BI (2012) Electronic payment is a payment executed electronically. In the electronic payment of money in the store, in the process and received in the form of digital information and its transfer in the initialization process through electronic means of payment. Payment is traditionally done via cash, check or credit card while electronic payments are conducted using specific software, payment card and money elektronnik. Components the main component of the electronic payment systems include the transfer of money applications, network infrastructure, regulations and procedures that govern the usefulness of the system. Customers and sellers are the main players of the electronic payment system. electronic payments not something new today. The use of electronic networks for trading dimluai since the early 1970s has been in the financial sector. Some of the first applications involved in the EFT system (Electronics Fund Transfer). EFT is a transfer of money between financial institutions via telecommunications networks. Even the ATM machines, at first in the 1980s, is also a form of electronic payment; every time customers use ATM machines, involving transactions are processed through a computer network. ___________________________ • Sudarno, Bambang Eka Purnama • State Vocational High School 2 Sukoharjo, • Informatic Faculty – University of Surakarta INTERNATIONAL JOURNAL OF SCIENTIFIC & TECHNOLOGY RESEARCH VOLUME 1, ISSUE 10, NOVEMBER 2012 ISSN 2277-8616