In this paper, we propose a new efficient and secure micro-payment scheme, named e-coupons, which can provide the users the facility of delegating their spending capability to other users or their own devices like Laptop, PDA, Mobile Phone, and such service access points. The scheme has the promise of becoming an enabler for various Internet-based services involving unit-wise payment. It gives ...

This paper presents empirical results of a study intended to evaluate the use of mobile devices for online payments. The mobile device can be used as an assistance device to increase consumer use of online payment systems. The data reported in this study was collected by surveying participant opinions in a free simulation experiment of mobile payment attributes. The study adopted some factors t...

11 0. Introduction 15 0.1 Two slices of life 17 0.2 Interactive products 18 0.3 Interaction design 19 0.4 Research through design 19 0.5 The structure of this thesis 22 1. Dematerialization 27 1.0 In this chapter 29 1.1 Dematerialization 29 1.2 Designing the digital: an overview 35 1.3 Inspirational interaction frameworks 40 1.4 Definition of three stands 47 1.5 First research questions 50 2. T...

In this paper main aim is on security problems related to electronic payment gateway. This paper addresses the requirement of certification of users and merchants during the process of online transactions. Security of electronic payments is quite a big issue now a days and there is need of secure transaction process. Authentication of merchant or customer is quite important and certification is...

When payments are to be made over the Internet, security becomes critical. The online banking system has become the preferred target of some attackers. To maintain the clients’ trust and confidence in the security of the services, the financial institutions and related research workers must identify how the attackers damage the user’s account and develop methods to enhance the security of the s...

Credit based electronic payment systems are considered to play important roles in future automated payment systems Like most other types of payment systems however credit based systems proposed so far generally involve computationally expensive cryptographic operations Such relatively heavy computational load is preventing credit based systems from being used in applications that require very f...

electronic payment system in one of the e-banking services and must be reliable and free of security deficiencies in order to overcome traditional system. improving customer’s perceptions of security and trust in the course of electronic payment transactions is vital in order to attract, retain and retrieve users of such a system. this study aimed to investigate the effects of customers’ percep...

In today's world of E-Commerce everything comes online like Music,E-Books, Shopping all most everything is online. If you are using some service or buying things online then you have to pay for that. For that you have to do Net Banking or you have to use Credit card which will do online payment for you. In today's environment when everything is online, the service you are using for E-Payment mu...

Secure methods of payment are needed before we will see widespread commercial use of the Internet. Recently proposed and implemented payment methods follow one of three models: electronic currency, creditdebit, and secure credit card transactions. Such payment services have di erent strengths and weaknesses with respect to the requirements of of security, reliability, scalability, anonymity, ac...