For further development of electronic commerce, electronic payment systems play an essential role. Many payment schemes have been proposed, but none of them have been accepted as a standard payment system for a variety of reasons. In this paper, we evaluate payment schemes in terms of the three requirements: offline operability, anonymity and transferability. We think these three requirements a...

With the development of digital rights management systems, new commercial applications for the trade with digital goods will be introduced, and new information services will be provided. As digital goods or services can be delivered over networks, it is also desired that they can immediately be paid electronically. Thus, it is assumed that the trade with digital goods stimulates the deployment ...

As business is moving from face-to-face trading, mail order, and telephone order to electronic commerce over open networks such as the Internet, crucial security issues are being raised. Whereas Electronic Funds Transfer over financial networks is reasonably secure, securing payments over open networks connecting commercial servers and consumer workstations poses challenges of a new dimension. ...

This note is an introduction to the area of electronic cash (eCash) schemes. The note presents an informal definition of security of an eCash scheme and presents two examples of eCash schemes, each along with an informal analysis of its security.

Despite that existence of variety of electronic payment systems is among critical success factors of ecommerce, it is surprising to note that few studies were carried about the preferences of customers to these alternatives. This study evaluates the degree of current use, satisfaction, intention to adopt and perceived obstacles toward existing electronic payment systems. Data were collected fro...

In this paper, we analyse payment procedures for their suitability for electronic government. We provide an overview of the payment procedures currently available on the market, compare the situation in electronic government with the situation in electronic commerce and analyze what we can transfer. Based on functional requirements we propose a scheme that allows public agencies to examine the ...

The article deals with the prospects for Development of the market of electronic payment systems in the context of accession of the Russian Federation to the WTO. The authors investigate the benefits of electronic payment systems for the national economy in the context of accession of the Russian Federation to the WTO, evaluate the competitiveness of the russian market of electronic payment sys...

The micro-payment system is an important technique in electronic commerce. The high-value payment system is not suitable for a micro-payment system because the requirements are di€erent. To meet sucient security for all participants in electronic commerce, a micro-payment system makes it possible to make small payment through electronic communication networks. In this paper, we propose a simpl...

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 a relatively heavy computational load is preventing credit-based systems from being used in applications which require...

Electronic payment systems have gradually become an important issue nowadays because of the popularity and importance of electronic commerce on the Internet. Security and convenience related topics are the most important issues that concern people. The electronic micropayment is one of the most popular research topics on electronic commerce. Recently, many efficient micropayment schemes, based ...