Payment System Research Papers - Academia.edu (original) (raw)

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- Information Systems, Information Security, Expertise, Economic Theory
- by Chia-Ming Chang
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- Information Technology, Theory of Planned Behavior, Self Efficacy, Library and Information Studies
- by richard addo
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- Supply Chain, Profitability, Payment System, Food Industry
- by Andrew Meldrum
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- Payment System, Payments
- by Simon Fong
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- Cryptography, Authentication, Protocols, Payment System
- by Thomas RENAUD
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- Long Term Care, Health Care, Developing Country, Health Care Financing
- by Stijn Claessens
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- Sociology, Political Economy, Corporate Governance, Economic policy
- by Carlos Eduardo Carvalho
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- Banking Crisis, Payment System, Brazilian Economy, Stabilization policy
- by dileep kumar
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- Information Technology, Small Business, Biometrics, Fingerprint
- by William Easterly
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- Development Economics, Monetary Economics, Time Series, Economic Growth
- by D. Delnoij
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- Primary Care, Payment System
- by Antonio Pirisi
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- Animal Production, Quality Control, Payment System, Small Ruminant Production
- by Giacomo Oddo and +2
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- Islamic Banking, Monetary Policy, Financial System, Financial Institutions
- by Asli Demirguc-kunt
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- Economic Theory, Economic policy, Financial Crisis, Financial System
- by Dongseop Kwon
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- Wireless Systems, Biometrics, Speech Recognition, Mobile Systems
- by Dileep Kumar
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- Small Business, Payment System
- by Simon Fong
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- Computer Architecture, Digital Signature, Web Services, Smart Cards
- by Joshua Gans
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- Economics, Perfect Competition, Payment System, Credit Cards

Abstract: March 1996Sooner or later policymakers worldwide must confront the increasing institutional ownership of corporate equity. Suitable policy frameworks should be devised to encourage activism by institutional investors.... more

- by cherian samuel
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- Corporate Governance, Economic Theory, Economic policy, Stock Market

The phrase multiple payment systems typically brings to mind objects such as checks, credit cards, debit cards and, more recently, smart cards. However, many countries through-out history have used more than one currency at a time. In... more

- by Ben Craig
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- Financial System, former Soviet Union, Payment System, Developing Economies
- by Mohd Zulkifli
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- Economics, European Economic Integration, Perfect Competition, Payment System
- by Napster Carvalho
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- Quantitative Research, Music Industry, Supply Chain, Social behavior
- by Guillermo Calvo
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- Capital Flows, Latin America, Emerging Market, Developing Country
- by Tansel Yilmazer
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- Internet Banking, Payment System, Credit Cards
- by Sandy Qu
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- Health Care, Institutional Change, Cost Management, Payment System
- by jean marcel
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- Economics, Business Model, Payment System, Governance Structure
- by Stijn Claessens
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- Sociology, Political Economy, Corporate Governance, Economic policy

Most electronic cash (e-cash) based payment systems that have been proposed do not possess the property of transferability. Transferability in an e-cash based system means that when a payee receives an electronic coin in a transaction he may spend it without depositing the coin first and getting a new coin issued from a bank. Usually electronic coins that are transferred in a transaction have a lifetime of the trans-action itself. In this paper, we propose a payment system where coins can be transferred over multiple hands, spread over various transactions, similar to physical cash. Detection or prevention of double spending of coins is a critical issue in online e-cash payment systems. In our system the verification is distributed across multiple entities as opposed to the case of a coin-issuing entity or a central bank alone being responsible for the verification. A resolution mechanism for handling disputes is also presented. The proposed system provides guarantees of anonymity, fairness and transferability.

- by Sai Anand
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- Payment System, Cash Transfers, Central Bank
- by Dileep Kumar
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- Information Technology, Small Business, Biometrics, Fingerprint
- by Nata Menabde
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- Program Evaluation, Human Resource Development, Research Design, Leadership
- by dileep kumar
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- Small Business, Payment System

This study investigates and examines the intention to use an online bill payment among part time MBA students in Universiti Sains Malaysia (USM), Penang. A research framework based on the extended Technology Acceptance Model (TAM2) and Social Cognitive Theory is developed and modified in order to identify factors that would determine and influence the intention to use an online bill payment system. A survey involving a total of 120 university part time MBA students was conducted. The results reveal that perceived ease of use and perceived usefulness are the significant drivers of intention to use the online bill payment system. Subjective norm, image, result demonstrability and perceived ease of use were also found to be the key determinants of perceived usefulness whereas perceived risk was found to be negatively related to usefulness. This is very important as many researchers have shown that perceived usefulness is the most crucial factor in the decision to adopt and continue usi...

The authors provide a detailed study of the Swiss pension system, analyzing its strengths and weaknesses. The unfunded public pillar is highly redistributive. It has near universal coverage, a low dispersion of benefits (the maximum public pension is twice the minimum), and no ceiling on contributions. Low-income pensioners receive means-tested supplementary benefits. Payroll taxes are low, but government transfers cover 27 percent of total benefits. Total benefits amount to 9.1 percent of GDP, equivalent to 15.2 percent of covered earnings. The funded private pillar was made compulsory in a defensive move against the relentless expansion of the public pillar. The compulsory pillar stipulates minimum benefits in the form of age-related credits, a minimum interest rate on accumulated credits, and a minimum annuity conversion factor, aimed to smooth changes in interest rates over time. Low-income workers are not required to participate in the second pillar. The first and second pillar...

- by Monika Queisser
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- Governance, Economic Theory, Economic policy, Asset Allocation
- by Wilko Bolt
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- Applied Mathematics, Payment System, Survey data, Cost Efficiency
- by Sara Bennett
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- Health Care, Social Insurance, Thailand, Health Services Research

The use of e-commerce has been associated with a lot of skepticism and apprehension due to some crimes associated with e-commerce and specifically to payment systems. The secure socket layer (SSL) protocol is trusted in this regard to secure transactions for sensitive applications like e-commerce. Unfortunately, the use of SSL protocol causes slow response time on the server which is a major cause of frustration for on-line shoppers. In this paper, we propose a secured credit-debit card payment systems based on Elliptic Curve Cryptosystem (ECC). We first examined ECC algorithm over prime fields GF(p), implement our proposed method using a typical transaction involving credit/debit card numbers and compared the performance with RSA cryptosystem. Our result shows that ECC is faster in terms of response to transaction request and occupies less memory space than equivalent RSA system. Thus, these makes it more suitable public Key cryptography scheme for application in a constraint open environment like payment system where fast operations are needed.

- by Jafarullah M
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- Information Systems, Marketing, Payment System, Public key cryptography
- by Robert Merton
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- Decision Making, Political Culture, Capital Flows, Technological change
- by Dileep Kumar
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- Wireless Systems, Mobile Systems, Payment System, Credit Cards
- by Rifat Atun
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- Research Design, Mental Health Policy, Health Policy, Russia
- by Raquel Fernandez
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- Eastern Europe, Economic Theory, Economic policy, European Union
- by peter smith
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- Accounting, Financial management, Hospital Information System, Developing Country

To provide card holder authentication while they are conducting an electronic transaction using mobile devices, VISA and MasterCard independently pro-posed two electronic payment protocols: Visa 3D Secure and MasterCard Secure Code. The... more

- by Huaxiong Wang
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- Formal Analysis, Formal method, Mobile Device, Payment System
- by Harry Huizinga
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- Financial Economics, Economic Theory, Financial development, Economic policy

Estonia has successfully implemented and scaled-up multifaceted PHC reforms, including new organisational structures, user choice of family physicians (FPs), new payment methods, specialist training for family medicine, service contracts... more

- by Rifat Atun
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- Program Evaluation, Human Resource Development, Research Design, Leadership
- by Phu Le
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- Distributed Computing, Networks, Internet Banking, Financial Institutions

PayPal is an account-based system that allows anyone with an email address to send and receive online payment s. This service is easy to use for customers. Members can instantaneously send money to anyone. Recipients are informed by email that they have received a payment. PayPal is also available to people in 38 countries. This paper starts with introduction to the company and its services. The information about the history and the current company situation are covered. Later some interesting and different technical issues are discussed. The Paper ends with analysis of the company and several future recommendations.

- by Keiichi Nakata
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- Payment System