payment is one of the main parts in businesses. different types of software, hardware and methods for paying electronically have been presented. different types of banking cards, e-wallet, internet web pages for payment make it possible to pay both online and offline. however, in most payment tools, exchanging money is anonymously and untraceably. therefore, although most security techniques wi...

In this paper, a system for controlling transaction flow in card-based payment systems and its performance benefit using mobile agents is presented. The model consists of the negotiation semantics, the mobile agent module, and three interactive systems in e-payment: the bank, point-of-sale (POS), and the Interswitch. We present a mobile agent-based scenario for e-payment system and discuss the ...

Electronic cash is a suitable solution for payment systems, in which the user’s identity should not be revealed during the payment. This is for example the case for public transportation payment systems. One electronic cash scheme, efficient during the spending phase, was proposed by Brands’. This scheme, as all privacy-preserving payment schemes, is based on public-key cryptography. However, p...

Electronic business (e-business) refers to the utilization of information and communication technologies (ICT) to support of all aspects of business (Turban et al., 2010). The term was first used by IBM's marketing and Internet teams in 1996 (Amor, 1999). E-business payment systems or solutions refer to the various innovative applications and approaches including the use of credit cards, magnet...

T he worldwide proliferation of the Internet has led to the emergence of an extensive range of services—one of the most popular being electronic commerce (e-commerce).1 Recent technological advances in the design of portable devices, along with increasing high-speed Internet access and mobile networking technologies, have enabled users to employ such devices anywhere, anytime to perform e-comme...

This article describes research into online electronic payment systems, focusing on the aspects of payment systems that are critical for their acceptance by end users. Based on our earlier research and a diary study of payments with an online payment system and with online banking systems of a reputable bank, we proposed a set of 12 interaction design guidelines. The guidelines have been applie...

as mobile technologies are becoming more advanced and mobile devices are making a big impact on daily life, a new type of payment system named mobile payment (m-payment) has emerged, enabling users to pay from their wireless devices especially mobile phones. this paper analyzes currently available wireless-payment systems and finds the stored-value card to be the best overall payment scheme for...

professor naoki ikegami’s “fee-for-service payment – an evil practice that must be stamped out” summarizes many of the failings of alternatives to fee-for-service (ffs) payment systems. his article also offers several suggestions for improving ffs systems. however, even powerful arguments against many of the alternatives to ffs, does not make a convincing argument for ffs systems. in addition, ...