Mobile payment is implied as the accelerator of e-business and m-commerce. Currently mobile payments deal with several hindrances to improve requirements of m-commerce such as: simplifying the mobile payment processes for consumers, improving the security of payment, especially the application of digital signing in mobile payment. In this paper the alternate payments industry is defined as cons...

The focus of this paper is on the integration of payment systems into B2C Internetcommerce. Our understanding of the payment integration problem starts from the observation that not all payment instruments are online yet. If they are online they are often not integrated into the online-shopping process from the consumer's point of view and they don't easily produce the data the merchants would ...

The growth of electronic commerce is dependent upon the emergence of effective electronic payment systems. Whilst payments for large purchases can be made relatively easily using credit/debit cards, small-scale electronic commerce is constrained by the limited nature of existing e-cash (or ‘micropayments’) systems. This paper outlines the evolution of electronic payment systems, leading to an a...

electronic money that defined as stored-value on an electronic device and at present time is last phase of gradual evolution of money, is described as process of immaterialization and being invisibility of money. it is new phenomenon that in economic view has potential for play the roles of money and its functions. for analysis of legal nature of this phenomenon two approaches can be adopted. f...

The emergence of e-commerce has created new financial needs that in many cases cannot be effectively fulfilled by the traditional payment systems. Recognizing this, virtually all interested parties are exploring various types of electronic payment systems, issues surrounding electronic payment system and digital currency. Broadly, electronic payment systems can be classified into four categorie...

Cash-like payments in electronic commerce and at the traditional point of sale are expected to be beneficial, e.g., because of privacy protection, low transaction costs, and irrevocability. Therefore, we discuss how to design electronic cash in a way that it both mirrors the most important characteristics of traditional cash, but also fulfils the expectations which arise towards electronic mean...

573 Abstract— In this paper is given one method of constructing payment via commonly used mobile phone, SIM-card and plastic card based on USSD-commands. NOWADAYS we can't imagine business and commerce without ICT. Government adopted many legislative acts, resolutions and decrees based on law and creating favorable conditions for online conducting of bargains. All these were done for the develo...

This research paper should not be reported as representing the views of the IMF. The views expressed in this paper are those of the author only and do not necessarily reflect those of the IMF or IMF policy. This study aims to contribute to providing guidance in the appropriate treatment of publicprivate partnership (PPP) assets within the Government Finance Statistics Manual (GFSM) 2001 framewo...

Online retail sites vary in terms of payment processes that consumers encounter. Little is known about how different implementations of payment processes affect consumers. Through the lens of mental accounting research, we theorize and empirically find that implementation characteristics of usability, feedback, and rehearsal affect consumer recall of past expenses and future impulse purchase de...