The ability to support disputes is an important, but often neglected aspect of payment systems. In this paper, we present a language for expressing dispute claims in a uni ed manner, independent of any speci c payment system. We illustrate how to support claims made in this language with evidence tokens from an example payment system. We also describe an architecture for dispute handling. Our a...

The ability to support disputes is an important, but often neglected aspect of payment systems. In this paper, we present a language for expressing dispute claims in a uniied manner, independent of any spe-ciic payment system. We illustrate how to support claims made in this language with evidence tokens from an example payment system. We also describe an architecture for dispute handling. Our ...

The main incentive for the use of electronic commerce (E-commerce) and spread on a large scale is that most of business activities need payment system. As E-commerce requires an efficient payment system which is stable and secure for supporting electronically commerce. This paper proposed to enforce SET, SSL protocols for encrypting e-payment information. It also presented several methods to ta...

When a customer owns multiple credit cards, the selection of a credit card for a purchase payment is rarely done systematically. Furthermore, the customer has no online options to pay a high cost item with multiple cards. This paper presents a flexible Payment Recommender (PR) system that helps the customer to make a decision on identifying a group of credit cards, called Virtual Card, which pr...

Die Erstellung und Versendung von Rechnungen in Papierform ist bei vielen Rechnungsstellern ein ebenso größer Kostenfaktor wie die Verfolgung von Zahlungseingängen und die Durchführung von Mahnungen. Aber auch Rechnungsempfänger müssen diese Papierrechnungen bearbeiten und verwalten. Gerade Unternehmen (Telekommunikationsunternehmen, Internetprovider, Kabelnetzbetreiber, GEZ), die monatlich ein...

ecash is a payment system designed and implemented for making purchases over open networks such as the Internet. In this paper we review some of the main cryptographic techniques used throughout the ecash system. We will focus on security aspects as well as some performance related issues. The central notion of an electronic coin is treated in detail, and the basic protocols manipulating coins ...

The B-POS (Bluetooth Point of Sale) is the prototype of a secure, mobile macropayment system. Since heterogeneous wireless network technologies such as PANs, LANs, and WANs have wellknown security weaknesses, it is mandatory to enforce security services, such as authentication, confidentiality, integrity, and non-repudiation. This article describes a Java-based macropayment system prototype fea...

Security is an important factor for the wide acceptance of the electronic commerce services. Special security mechanisms are needed for the implementation of secure electronic payment systems that permit the integration of the electronic transactions. In the framework of the information brokerage system that has been developed by the GAIA project of the European Union a number of such mechanism...

A potentially serious problem with current payment systems is that their underlying hard problems from number theory may be solved by either a quantum computer or unanticipated future advances in algorithms and hardware. A new quantum payment system is proposed in this paper. The suggested system makes use of fundamental principles of quantum mechanics to ensure the unconditional security witho...

The high market penetrations of mobile personal devices including mobile phones, PDAs have paved a way for the development of new application models in Mobile Commerce. Mobile phones are well suited with mobile commerce to reach the customers anywhere and at any time. Mobile Payments are the natural evolution of e-payment schemes that facilitate mobile commerce. The mobile payment markets are c...