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First virtual holdings incorporated

Sid L. Huff, Michael R. Wade
1999 International Conference on Information Systems  
The company developed a system whereby buyers and sellers could complete transactions on the Internet securely and efficiently.  ...  First Virtual had become one of the most recognized names in the nascent world of online commerce. The First Virtual Internet Payment System (FVIPS) had proven itself to be secure and efficient.  ...  They used the VirtualPIN as an alias for their credit card numbers to make purchases on the Internet. The system worked as follows.  ... 
dblp:conf/icis/HuffW99 fatcat:emo5aetrybalbbwibhdbtf6bqe

A Review On Advanced Security Solutions In Online Banking Models

Sreeramana Aithal
2016 Zenodo  
To enhance the security for online financial transaction, a biometric fingerprint authentication system is proposed.  ...  Online banking using mobile devices (mobile banking) is an effective and convenient way of providing electronic banking facility to costumers from anywhere and at any time.  ...  Secured Transaction Model for Ubiquitous Banking: The business models for mobile banking may be based on Consolidation; Location based services, immediate product payment, Bill payment, Systematic interoperability  ... 
doi:10.5281/zenodo.160971 fatcat:yuxdsdqfvjb2plngeedcvip2cm

Bometric Authenticated Security Solution To Online Financial Transactions

Sreeramana Aithal
2017 Zenodo  
To enhance the security for a financial transaction a biometric authentication system is proposed.  ...  Hence, fraud prevention has become an essential ingredient in the success of online financial transactions.  ...  Secured Transaction Model for Ubiquitous Banking: The business models for mobile banking may be based on Consolidation, Location based services, Immediate product payment, Bill payment, Systematic interoperability  ... 
doi:10.5281/zenodo.268875 fatcat:zukc7vvvprhgrnlbozw5lf3vdq

The Nuts and Bolts of Micropayments: A Survey [article]

Syed Taha Ali, Dylan Clarke, Patrick McCorry
2017 arXiv   pre-print
Based on our study, we argue that past solutions have largely failed because research has focused heavily on cryptographic and engineering innovation, whereas fundamental issues pertaining to usability  ...  We contextualize the range of existing challenges for micropayments systems, discuss potential deployment strategies, and identify critical stumbling blocks, some of which we believe researchers and developers  ...  There is considerable cryptographic innovation with an emphasis on security and efficiency.  ... 
arXiv:1710.02964v1 fatcat:q7dsgiqzhjgi3kvz3jlmufby6i

Electronic Payments: Where Do We Go from Here? [chapter]

Markus Jakobsson, David M'Raihi, Yiannis Tsiounis, Moti Yung
1999 Lecture Notes in Computer Science  
Such designs promised the security, anonymity, efficiency, and universal appeal of cash transactions, but in an electronic form.  ...  However, the full potential of on-line commerce has not been possible to realize due to the lack of convenient and secure electronic payment methods (e.g., for buying e-goods and paying with e-money).  ...  of an operation throughout multiple transactions and consequently achieving higher overall efficiency.  ... 
doi:10.1007/3-540-46701-7_4 fatcat:bsesmdm5dfb4lkzzjk7vnwop2u

Secure Digital Cashless Transactions with Sequence Diagrams and Spatial Circuits to Enhance the Information Assurance and Security Education

Dr. Yousif, Dr. Ajantha
2012 International Journal of Advanced Computer Science and Applications  
This paper describes an active learning module developed to help students understand secure protocols, algorithms and modeling web applications to prevent attacks and both software and hardware implementations  ...  For some time we have been developing with methods for introducing important security concepts for both undergraduate and graduate students in Information Systems, Computer Science and Engineering students  ...  David Chaum proposed the blind signature scheme based on RSA digital signature and its application for online electronic cash system.  ... 
doi:10.14569/ijacsa.2012.030415 fatcat:vmhxzgcndfcjnapf7dk4yaagcy

Digitization of Retail Payment

Wilko Bolt, Sujit Chakravorti
2010 Social Science Research Network  
The rapid proliferation of electronic payment media continues to change the way consumers shop and merchants sell goods and services.  ...  Payment markets are complex with many participants engaging in a series of interrelated bilateral relations and transactions.  ...  To date, there is still little consensus-either among policymakers or economic theorists-on what constitutes an efficient fee structure for card-based payments.  ... 
doi:10.2139/ssrn.1950148 fatcat:mi4lf32e4fbo5lhatkyqvghymy

Task based Interdisciplinary E-Commerce Course with UML Sequence Diagrams, Algorithm Transformations and Spatial Circuits to Boost Learning Information Security Concepts

Ajantha Herath, Yousif Al-Bastaki, Suvineetha Herath
2013 International Journal of Computing and Digital Systems  
This paper describes a task based active learning module developed with projects to help students understand secure protocols, algorithms and modeling web applications to prevent attacks.  ...  We have been developing and continuously improving cyber security courses with methods for introducing important concepts for computing majors for more than a decade.  ...  The blind signature scheme based on RSA digital signature and its application for online electronic cash system is proposed by Chaum.  ... 
doi:10.12785/ijcds/020204 fatcat:jy3ngrtkcnfkpiltbhctqghkpe

Emergence of payment systems in the age of electronic commerce: The state of art

2009 2009 First Asian Himalayas International Conference on Internet  
Each payment system has its advantages and disadvantages for the customers and merchants.  ...  Therefore, instead of focusing on the technological specifications of various electronic payment systems, the researcher have distinguished electronic payment systems based on what is being transmitted  ...  Acknowledgment While bearing full responsibility for any remaining mistakes, I wish to thank to my supervisor Prof. L. N.  ... 
doi:10.1109/ahici.2009.5340318 fatcat:duspd5n5fvehfa4vf2hji7lqae

The Architecture of Coupon-Based, Semi-off-Line, Anonymous Micropayment System for Internet of Things [chapter]

Daniel Wilusz, Jarogniew Rykowski
2013 IFIP Advances in Information and Communication Technology  
User anonymity and security is assured by the usage of standard cryptographic techniques together with novel architectural design of the payment processes.  ...  However, the development of paid services or resources in IoT is hampered by relatively big transaction costs of payment operations.  ...  The foundation of these systems is based on an assumption that users make a lot of purchases and vendors have huge volume in sales.  ... 
doi:10.1007/978-3-642-37291-9_14 fatcat:sq2wff5x2nbrpnjjuvztvycc7q

Will Online Bill Payment Spell the Demise of Paper Checks?

James McGrath
2005 Social Science Research Network  
Over the past several years, the emergence and adoption of electronic payment instruments have acutely affected check usage.  ...  This paper quantifies some of the trends in the industry while addressing the interests and impact of the market's prime movers in an effort to determine to what extent the displacement of checks will  ...  Bill consolidation is the other main electronic bill payment option. Here, customers are offered an integrated platform with common interface that consolidates bills from multiple sources.  ... 
doi:10.2139/ssrn.796145 fatcat:nztsc6uy25e2rhshlc5zjspwpy

Private Contracting and Business Models of Electronic Commerce

Ichiro Kobayashi
2003 Social Science Research Network  
u4 On the other hand, the Secure Sockets Layer (SSL), invented by Netscape, is a simpler protocol for securing Internet transactions." 5 The protocol uses a digital certificate to identify merchants'  ...  Secure Electronic Transaction (SET) / Secure Sockets Layer (SSL): The SET is an open technical standard for the commerce industry developed by Visa and MasterCard as a way to facilitate secure payment  ...  As the contract formation process in electronic commerce is automated, with no human intervention, an electronic commerce operator often expresses its intent for online transactions through incentive mechanisms  ... 
doi:10.2139/ssrn.479902 fatcat:zibk47tsoncvlfntwthsbyqwjm

A Need for Peer-To-Peer Strong Local Authentication Protocol (P2PSLAP) in Mobile Banking

Bossi Masamila
2013 International journal of network security and its applications  
This paper proposes a need for peer-to-peer Strong Local Authentication Protocol (p2pSLAP) for Mobile Banking Transaction that implements a peer-to-peer architecture to provide local authentication mechanism  ...  They have involved in financial transaction such as mobile banking and mobile payment, which include sensitive information.  ...  In India, the Nokia Money initiative based on Obopays platform for developing market is designed to work in partnership with multiple network operators and banks, involving distributors and merchants in  ... 
doi:10.5121/ijnsa.2013.5603 fatcat:uapwv4pc3zbencv6x4wq2oryoa

Mobile payment: A journey through existing procedures and standardization initiatives

Stamatis Karnouskos
2004 IEEE Communications Surveys and Tutorials  
Mobile Payment (MP) is a promising and exciting domain that has been rapidly developing recently, and although it can still be considered in its infancy, great hope is put on it.  ...  The aim of this work is to introduce the reader to mobile payments, present current concepts and the motivation behind it, and provide an overview of past and current efforts as well as standardization  ...  Unless the basis for electronic payment systems is based on tried and true secure banking practices, it is unlikely that users will adopt it.  ... 
doi:10.1109/comst.2004.5342298 fatcat:36jr6gyjjbgl3asn4jwkda6tiy

The Efficiency and Integrity of Payment Card Systems: Industry Views on the Risks Posed by Data Breaches

Julia S. Cheney, Robert M. Hunt, Katy Jacob, Richard D. Porter, Bruce J. Summers
2012 Social Science Research Network  
In other words, this could be an example of "tail risk" for payment card systems.  ...  A sizable shift away from payment cardsinduced by the consequences of one or more data breaches is unlikely. Even so, the probability of such an outcome is uncertain.  ...  To allow for efficient payment substitution in support of a smoothly functioning U.S. economy, there must also be multiple reliable ways to make and receive electronic payments. organizations.  ... 
doi:10.2139/ssrn.2162536 fatcat:uh4v3tqhfrby5ctaqs4bifa3be
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