scholarly journals An Efficient Secure Electronic Payment System for E-Commerce

Computers ◽  
2020 ◽  
Vol 9 (3) ◽  
pp. 66
Author(s):  
Md Arif Hassan ◽  
Zarina Shukur ◽  
Mohammad Kamrul Hasan

E-commerce implies an electronic purchasing and marketing process online by using typical Web browsers. As e-commerce is quickly developing on the planet, particularly in recent years, many areas of life are affected, particularly the improvement in how individuals regulate themselves non-financially and financially in different transactions. In electronic payment or e-commerce payment, the gateway is a major component of the structure to assure that such exchanges occur without disputes, while maintaining the common security over such systems. Most Internet payment gateways in e-commerce provide monetary information to customers using trusted third parties directly to a payment gateway. Nonetheless, it is recognized that the cloud Web server is not considered a protected entity. This article aims to develop an efficient and secure electronic payment protocol for e-commerce where consumers can immediately connect with the merchant properly. Interestingly, the proposed system does not require the customer to input his/her identity in the merchant’s website even though the customer can hide his/her identity and make a temporary identity to perform the service. It has been found that our protocol has much improved security effectiveness in terms of confidentiality, integrity, non-repudiation, anonymity availability, authentication, and authorization.

Author(s):  
Horea Oros ◽  
Constantin Popescu

An electronic cash system allows the exchange of digital coins with value assured by the bank’s signature and with concealed user identity. In an electronic cash system, a user can withdraw coins from the bank and then spends each coin anonymously and unlinkably. In this paper we propose a secure and efficient off-line electronic payment system based on bilinear pairings and group signature schemes. The anonymity of the customer is revocable by a trustee in case of a dispute. Because the amount of communication in the payment protocol is about 480 bits, the proposed off-line electronic payment system can be used in wireless networks with limited bandwidth.


2018 ◽  
Vol 6 (1) ◽  
pp. 21-27 ◽  
Author(s):  
Akanksha Upadhyaya ◽  
Bhajneet Kaur

The aim of this research paper is to explore the electronic payment system (EPS) acceptability determinants, from the consumer perspective. Exploratory factor analysis has been used to explore the factors based on different statements. The study has been conducted in North-West region of Delhi. Data has been collected from male-female of different age groups by using the questionnaire tool of data collection. For extraction of factors Principal component analyses and Varimax with Kaiser Normalization rotation method was used. The rotated component matrix shows best fitting of items to form a factor. As per the convergence of items, 4 factors were extracted and named. These factors are security concern, Knowledge, awareness and acceptability & convenience which are contributing for acceptability of electronic payment system among the consumers.


2017 ◽  
Vol 3 (1) ◽  
pp. 43
Author(s):  
Zuzanna Służewska

THE CONTRACT OF PARTNERSHIP AS A BASE OF IN SOLIDUM LIABILITY IN ROMAN LAWSummary In the modern civil law joint and several liability of partners in a partnership is a rule rather than an exception. According to the common opinion this concept did not originate in the Roman law but was first invented in the medieval times by glossators and commentators. The Roman partnership created only a private relation between partners (who, due to a conclusion of that contract were reciprocally obliged to act together in accordance with a good faith in order to conduct common business and to divide profits and bear losses in proportion to their respective shares) and its conclusion did not affect their liability against third parties. The partners had no right to bind themselves contractually to any third parties, unless they all acted jointly (in this case, however, their joint representation was derived from their expressed declarations and not the existence of a contract o f partnership). Thus, any commitment made by an individual partner, even if made within the scope of a partnership having obtained other partners’ consent, was treated as a personal debt of this partner and the remaining partners were not liable against his contractor. Then, of course, the partner who made a commitment (acting within the partnership’s business) could claim a part of what he had paid to a third party from other partners in proportion to their respective shares in the common enterprise.Such a solution was necessary because of the purely consensual character o f the Roman partnership and the lack of any formal procedure of its conclusion and dissolution. The existence of that contract could not affect the model of the external liability of partners, because it would be too risky for third parties, which had no possibility to make sure if a contract of partnership between some persons had been actually concluded or not. Thus, the role of a contract of partnership in the Roman law was only limited to determine a mutual liability o f partners, to specify their respective rights and obligations and to define the scope of their liability against other partners.There are only a few written sources concerning so called specific kinds of partnership characterized by untypical joint and several responsibility of partners. Moreover these texts are not very clear and are difficult to interpret, so the issue of specific kinds of a partnership is a matter of doubts among Romanists. Some authors even believe that the specific types of partnership did not exist in the Roman law at all.It should be firstly observed that the texts regarding a contract of partnership itself (the texts included in the title pro socio of Justinian’ Digest) did not raise the question of the external liability of partners because they were devoted to internal settlement o f accounts within sociu Thus, taking into account only these texts one cannot ascertain that a conclusion of a contract of partnership could not affect in any way the model of the partners’ liability against third parties.Secondly, the other texts concerning the regulation of conducting an economic activity in the Roman law (actio institoria, actio exercitoria and actio de peculio) present some regularity in an introduction of joint and several liability of debtors.On the one hand that model of the liability was introduced in situations in which protecting safety of trade required that the creditor be able to claim a whole amount o f the debt from one person only.On the other hand this model of liability could be introduced only in these cases in which some internal relation existed between several debtors. On the grounds of such relations the debtor who satisfied in full the creditor’s claim could sue other debtors in order to recover their respective parts in the debt. In the Roman law that internal relation that guaranteed the possibility of a recourse could be either a joint-ownership or a partnership.Having considered that, one may say that the texts concerning specific kinds o f partnership do not prove existence of any special type of societas. These sources regard only the situations when a joint and several liability between several debtors was introduced because it was justified by the circumstances: that is the necessity to protect the safety of trade on one hand and the existence of the contract of partnership that guaranteed a possibility to realize the recourse, on the other.In conclusion one may say that although a closing of a contract of partnership did not create a joint and several liability of partners, in some cases its existence was decisive for introducing this model of liability since it guaranteed to every party a possibility to act against the others to obtain the recourse. Thus, Roman jurisprudence made an important step towards the future introduction o f joint and several liability of partners as a rule of a civil law.


Author(s):  
Thamer Al-rousan

Along with the introduction of HTML5, a new user storage technologies; particularly, Web SQL Database, Web Storage, and Indexed Database API have emerged. The common goal of these storage technologies is to overcome the limitations of legacy of user-side storage mechanisms. All these technologies have many privacy and security concerns, and the main threat is user tracking. In this context, this study investigates the usage of these technologies and to find out which one of these technologies is primarily used by user trackers, and to calculate their frequency in context of 3rd-party tracking code. The result exposes that the adoption of Web Storage most commonly used amongst the three storage technologies. Motivated by the investigation results, this study examines the degree of protection which the popular web browsers supply to prevent privacy violations. The result reveals that the protection mechanisms that are provided by web browsers are almost the same, and in many occasions privacy violations do exist


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