Online payment systems

Pólkowski, Z.; Deaconescu, I. C.

Artykuł - szczegóły

Tytuł artykułu

Online payment systems

Autorzy

Pólkowski Z. , Deaconescu I. C.

Treść / Zawartość

Pełne teksty:

Pobierz

Identyfikatory

Warianty tytułu

System płatności online

Języki publikacji

Abstrakty

The paper presents aspects concerning online payment systems. Several selected and existing systems are presented and analyzed. Payment systems are vital elements in the process of e-commerce. The electronic commerce or E-Commerce is a concept that represents the buy and sale process or exchange of the products, services, information, using a computer network, inclusively the Internet. In the majority of cases, E-Commerce is closely linked to payment systems that lead to creation of kinds of electronic money and specific payment services. The payment mechanisms, the architecture, the functions of the online payment system and E-Cash are described. Along with the online payment systems Internet fraud and cheating appeared. To prepare this article, information available from the Internet, as well as the official websites of government institutions, banks, portals, European Union, national and international media was used.

Niniejsza praca naukowa przedstawia aspekty dotyczące elektronicznych systemów płatniczych. Zaprezentowano i przeanalizowano w niej kilka wybranych i istniejących systemów. Systemy płatnicze są istotnym elementem w procesie handlu elektronicznego. Handel elektroniczny lub w skrócie e-handel jest pojęciem, które oznacza proces kupna-sprzedaży lub wymiany produktów, usług i informacji, z wykorzystaniem różnych sieci komputerowych włącznie z Internetem. W większości przypadków, e-handel jest ściśle związany z systemami płatności, które prowadzą do tworzenia niektórych rodzajów pieniądza elektronicznego oraz niektórych specyficznych usług płatniczych. W tej pracy zostały opisane mechanizmy płatności, architektura i funkcje elektronicznego systemu płatności i e-pieniądza. Wraz z elektronicznym systemem płatności, pojawiły się również przestępstwa i nadużycia internetowe.

Słowa kluczowe

online payment systems e-payments electronic commerce e-commerce e-cash

elektroniczne systemy płatnicze płatności online handel elektroniczny e-handel e-pieniądz

Wydawca

Wydawnictwo Uczelni Jana Wyżykowskiego

Czasopismo

Zeszyty Naukowe Dolnośląskiej Wyższej Szkoły Przedsiębiorczości i Techniki. Studia z Nauk Technicznych

Rocznik

2013

Tom

Nr 2

Strony

9--28

Opis fizyczny

Bibliogr. 41 poz.

Twórcy

autor

Pólkowski Z.

DWSPiT w Polkowicach

autor

Deaconescu I. C.

Uniwersytet w Piteszti, Rumunia, student

Bibliografia

1. Green Paper. Towards an integrated European market for card, internet and mobile payments, http://www.acsel.asso.fr/wp-content/uploads/2011/11/Green_paper_card_internet_mobile_paym-ISC-2011_10_11.pdf, European Commission, Brussels 2011, p. 2 [Accessed 25 November, 2013].
2. Ibidem, http://eur-lex.europa.eu/LexUriServ/LexUriServ. do?uri=CELEX:52011DC0941:N:NOT [Accessed 26 November, 2013].
3. The Payment System, http://www.ecb.int/pub/pdf/other/paymentsystem201009en. pdf, p.25 [Accessed 5 November, 2013].
4. Proposal for a Regulation establishing technical requirements for credit transfers and direct debits in euros and amending Regulation (EC) no. 924/2009, COM (2010) 775, http://eur-lex.europa.eu/LexUriServ/LexUriServ.do?uri=CELEX:52010PC0775:EN:NOT [Accessed 8 November, 2013].
5. Green Paper. Towards an integrated European market for card, internet and mobile payments, http://www.acsel.asso.fr/wp-content/uploads/2011/11/Green_paper_card_internet_mobile_paym-ISC-2011_10_11.pdf, European Commission, Brussels 2011, p. 4 [Accessed 25 November, 2013].
6. Simić D., Reducing fraud in Electronic Payment System, http://fmi.unibuc.ro/balkanconf/CD/Section5/SimicDejan.pdf, Romania 2005, p. 2 [Accessed 5 November, 2013].
7. Forder J., Quirk P., Electronic Commerce and the Law, WILEY, Australia 2001.
8. Introduction to e-Business Systems, http://pl.scribd.com/doc/396831/Introduction-toeBusiness-Systems[Accessed 15 November, 2013].
9. Turban E., Lee J., Electronic Commerce 2010, Pearson, 2010, p. 484.
10. Study on a Security of Payment Products and Systems in the 15 Members States, http://ec.europa.eu/internal_market/payments/docs/fraud/study-security/200309-finalreport_en.pdf, p. 55 [Accessed 7 November, 2013].
11. Electronic Payment Systems, http://www.freewebs.com/mkurnia/chap6.doc, p. 13 [Accessed 7 November, 2013].
12. http://ocw.metu.edu.tr/pluginfile.php/354/mod_resource/content/0/Lecture_4.pdf, p. 5 [Accessed 9 November, 2013].
13. Da Costa E., Global E-Commerce strategies for small businesses, MIT 2001, p. 69.
14. http://www.google.pl/search?q=mobile+payment&source=lnms&tbm=isch&sa=X&ei=GuN4UqLmC6iN7Abqm4GoCw&ved=0CAcQ_AUoAQ&biw=1600&bih=770#facrc=_&imgdii=_&imgrc=tx7Zl0JwPDwRxM%3A%3BMijBP-oL9oioM%3Bhttp%253A%252F%252Fwww.puremobile.ca%252Finsiderblog-can%252Fwp-content%252Fuploads%252F2011%252F07%252FProposed-Model-Monetary-Flow-for-NFC-Mobile-Payment-A.png%3Bhttp%253A%252F%252Fwww.puremobile.ca%252Finsiderblog%252Fgoogleadds-nfc-for-android-app-getscaught%252F%3B712%3B532] [Accessed 26 November, 2013].
15. Near Field Communication, http://developer.android.com/guide/topics/connectivity/nfc/index.html [Accessed 5 November, 2013].
16. Green Paper. Towards an integrated European market for card, internet and mobile payments, http://www.acsel.asso.fr/wp-content/uploads/2011/11/Green_paper_card_internet_mobile_paym-ISC-2011_10_11.pdf, European Commission, Brussels 2011, p. 5 [Accessed 27 November, 2013].
17. Online Payment Systems for E-Commerce, http://www.oecd.org/internet/ieconomy/36736056.pdf, p. 28 [Accessed 29 November, 2013].
18. http://www.freewebs.com/mkurnia/chap6.doc, p. 10 [Accessed 30 November, 2013].
19. Cameron D., Electronic Commerce The New Business Platform for the Internet, Computer Technology Research Corp., Charleston 1999.
20. http://www.freewebs.com/mkurnia/chap6.doc, p. 11 [Accessed 29 November, 2013].
21 Polasik M., Fiszeder P., Factors determining the acceptance of payment methods by online shops in Poland, http://www.ecb.europa.eu/events/pdf/conferences/integr_innov/Polasik_Fiszeder_paper.pdf, p. 3 [Accessed 15 November, 2013].
22. Polasik M., Maciejewski K., Innovative payment services in Poland and abroad, Warsaw, 2009, http://www.nbp.pl/publikacje/materialy_i_studia/ms241.pdf, p. 12 [Accessed 16 November, 2013].
23. The Paypers, Romania: E-Commerce market to surpass EUR 160 million, 2011.
24. de Lange J., Longoni A., Screpnic A., Online payments 2012, Moving beyond the web, May 2012, ECOMMERCE Europe, www.innopay.com [Accessed 24 November, 2013].
25. Polasik M., Fiszeder P., op. cit., http://www.ecb.europa.eu/events/pdf/conferences/integr_innov/Polasik_Fiszeder_paper.pdf, p. 20 [Accessed 15 November, 2013.
26. SEO and SEM for Russian Search Engines, http://www.russiansearchtips.com/2012/04/what-is-the-most-popular-e-currency-in-russia/ [Accessed 15 November, 2013].
27. Payments in Russia, http://www.payboutique.com/payments-russia [Accessed 2 November, 2013].
28. Electronic Payment Systems in Russia, http://www.slideshare.net/YandexBusDev/electronic-payment-systems-in-russia [Accessed 19 November, 2013].
29. Other Online Payment Systems in Russia, http://www.aerotranslate.com/webmoney/other-online-payment-systems-in-russia.html[Accessed 28 November, 2013].
30. Benoni B. B., Electronic Payment Systems Fraud, Bucharest 2013.
31. Best Practice for ATM Security, Overview of ATM security situation, forecast, and best practices, GRGBanking Equipment (HK) Co.,Ltd, 27.05.2011, http://www.grgbanking.com/en/exh/images/Best%20Practice%20for%20ATM%20Security%20-GRGBanking.pdf [Accessed 29 November, 2013].
32. Olteanu G. I., Methodology Criminology – Structures criminal and illegal activities carried out by them, Editura AIT Laboratories s.r.l, Bucharest 2008, p. 65.
33. Card Skimming, http://www.scamwatch.gov.au/content/index.phtml/tag/CardSkimming [Accessed 12 November, 2013].
34. How ATM card skimming and PIN capturing scams work, http://www.slideshare.net/worldstuff/how-to-detect-atm-card-skimming-and-pin-capturing-scams [Accessed 22 November, 2013].
35. E-mails Phishing and Scams, http://www.securingthehuman.org/newsletters/ouch/issues/OUCH-201112_en.pdf, p. 4 [Accessed 2 November, 2013].
36. How Phishing Works, http://computer.howstuffworks.com/phishing.htm [Accessed 19 November, 2013].
37. Technical Trends in Phishing Attacks, www.cert.org/archive/pdf/Phishing_trends.pdf, p. 14 [Accessed 3 November, 2013].
38. Beware the cash trap! Claw-like devices inserted into ATM slots can steal notes in latest hole-in-the-wall scam, http://www.dailymail.co.uk/news/article-2236213/Clawlike-devices-inserted-ATM-slots-steal-notes-latest-hole-wall-scam.html [Accessed 8 November, 2013].
39. Identity Theft – Electronic Pickpocketing, http://pueblo.org/sites/default/files/documents/scam-alerts/January%202011%20-%20Identity%20Theft-Electronic%20Pickpocketing.pdf, p. 1 [Accessed 9 November, 2013].
40. http://www.dotpay.pl/ [Accessed 10 November, 2013].
41. http://www.payu.pl/ [Accessed 17 November, 2013].

Uwagi

Opracowanie ze środków MNiSW w ramach umowy 812/P-DUN/2016 na działalność upowszechniającą naukę.

Typ dokumentu

Bibliografia

Identyfikator YADDA

bwmeta1.element.baztech-ba1b46a8-5908-47d6-a5b0-e7e6431368d2