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...

Payment is an important factor in a purchase transaction. Ease of payment is a convenience factor in shopping. The easier way of payment of the service users will be more comfortable in the shop. The conditions will be different if the groceries are many and varied and the quality but the payment difficulties. In this research will be investigated whether the payment model most widely used on t...

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...

This paper presents results of a user survey on conventional and electronic payment systems that was conducted with the aim to discover user attitudes towards their characteristic properties. While research, presented in the literature of the field suggests high importance of characteristics of electronic payment systems such as anonymity and efficiency, we have found that these characteristics...

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...

The Bank of Finland’s Finnish Payment Habits 2010 project predicts that Finnish payment habits will face substantial changes. The causes for these changes include: the standardisation and integration of European payment systems, development of payment services-related legislation and regulation at EU level, changes in payment services-related cost factors and pricing, and new opportunities offe...

This comprehensive survey deliberated over the security of electronic payment systems. In our research, we focused on either dominant systems or new attempts and innovations to improve the level of security of the electronic payment systems. This survey consists of the Card-present (CP) transactions and a review of its dominant system i.e. EMV including several researches at Cambridge universit...

This paper is mainly concerned with the study in which how we can make our electronic transaction more safely and protective and also concerned with research of the security technology, key technology and current application protocol of payment transaction on network, and gives some useful suggestions and countermeasures for the development of protective payment transaction on network and safet...