scholarly journals A Survey on Various Online Payment and Billing Techniques

2020 ◽  
Vol 7 (3) ◽  
pp. 86-91
Author(s):  
A P Thangamuthu
Keyword(s):  
Financial Services ◽  
Internet Technology ◽  
Third Party ◽  
Just In Time ◽  
Payment Systems ◽  
Playing Field ◽  
Customer Information ◽  
Online Payment ◽  
Internet Connections ◽  
Set Up

Over the past few decades, Internet technology has shaped almost everybody’s life. Business banks set up internet workstations and provide customer information requirements, internet payment fund diversion financial services, credit, investment, etc. An online payment system is a means for conducting economic transactions based on the Internet. This allows a seller to accept payments over the web or other internet connections, such as direct network connections between retail stores and their suppliers- a common way of keeping inventories just in time. Online payment systems are greatly expanding a company’s scope and selling potential. Usually, online payment services are operated by third-party firms like PayPal, Google, or Click2Pay. Such companies make a profit by taking a small portion of each transaction, or by signing contracts with institutions that require a large number of transactions. Without the ability to make online payments, a large Internet retailer, like Amazon.com, could not exist. Online payment systems have expanded the playing field between big and small companies, as each of them can adopt the same payment methods when they sign up with third-party payment processors.

scholarly journals Online Payment Using Blockchain

2020 ◽  
Vol 32 ◽  
pp. 03007
Author(s):  
Karthikeya Thanapal ◽  
Dhiraj Mehta ◽  
Karthik Mudaliar ◽  
Bushra Shaikh
Keyword(s):  
Financial Institution ◽  
Digital Signatures ◽  
Payment System ◽  
Third Party ◽  
Payment Systems ◽  
Online Transactions ◽  
System A ◽  
Online Payment ◽  
A Current ◽  
Payment Gateway

Increasing list of records is with blockchain where each record is linked with the help of cryptography. Every block in the chain contains timestamp, transaction details and hash of a previous block, hash is cryptographic hash. This is a secured system, which we plan to replace the current online payment system. A current online payment gateway is prone to hackers where the attacker can tamper into the network, thus creating money loss. And not only this but also the transaction has to go through multiple payment systems which consumes time, also creating a risk of transaction getting failed. So, our system would be using blockchain that allows online transactions which would allow online payments to be sent directly from one party to another without going through a financial institution and in a secured way. This system allows online transactions between two parties based on cryptographic proof without relying and trusting for a third party. To record transactions, we use proof of work algorithm which makes computationally impractical for an attacker to change. Digital signatures provide part of the solution for ensuring the security and integrity of the data that is recorded onto a blockchain.

scholarly journals Financial Technology and Financial Inclusion on MSME:Mixed-Method Research Approach

2020 ◽  
Vol 7 (2) ◽  
pp. 232-236
Author(s):  
Lela Nurlaela Wati ◽  
Heri Isprihayadi ◽  
Khoirun Nisa ◽  
Mohamad Lutfi ◽  
Imam Suprapta
Keyword(s):  
Financial Services ◽  
Small And Medium Enterprises ◽  
Financial Inclusion ◽  
Third Party ◽  
Research Approach ◽  
Mixed Method Research ◽  
Payment Systems ◽  
The Government ◽  
Financial Technology

This study aims to examine the role of financial technology in increasing financial inclusion in Micro, Small, and Medium Enterprises. This research uses mixed-method research with sequential mixed methods especially sequential explanatory strategy. In the first phase, 116 questionnaires were given to respondents as many as 116 MSMEs then conducted interviews with respondents and related parties in depth. Empirical evidence shows that the role of Financial Technology has a positive and significant effect on Financial Inclusion. These results indicate that fintech can increase financial inclusion. Based on interviews, fintech products that are often used by MSMEs are third-party payment systems and Peer-to-Peer (P2P) type of payment systems. Examples of platforms that are often used by MSMEs are Go food, Gopay, Grab food, OVO, JakOne, M-Banking, and SMS Banking. For the Crowdfunding fintech type, it has not been implemented by many MSMEs. The large number of MSME entrepreneurs who have used fintech products in their businesses shows that MSME entrepreneurs have used financial services in the form of savings accounts so that it has an impact on increasing financial inclusion. Suggestions from the results of this study are the Government needs to conduct regular training on the use of financial technology to MSME actors, there are strong synergy and cooperation in developing a fintech system to improve the digital economic system at MSMEs. Regulations need to be updated with the development of innovations.

scholarly journals Guided pattern mining for API misuse detection by change-based code analysis

2021 ◽  
Vol 28 (2) ◽  
Author(s):  
Sebastian Nielebock ◽  
Robert Heumüller ◽  
Kevin Michael Schott ◽  
Frank Ortmeier
Keyword(s):  
Pattern Mining ◽  
Third Party ◽  
Just In Time ◽  
False Alarms ◽  
Misuse Detection ◽  
Code Search ◽  
Usage Patterns ◽  
Development Processes ◽  
Code Changes ◽  
Api Usage

AbstractLack of experience, inadequate documentation, and sub-optimal API design frequently cause developers to make mistakes when re-using third-party implementations. Such API misuses can result in unintended behavior, performance losses, or software crashes. Therefore, current research aims to automatically detect such misuses by comparing the way a developer used an API to previously inferred patterns of the correct API usage. While research has made significant progress, these techniques have not yet been adopted in practice. In part, this is due to the lack of a process capable of seamlessly integrating with software development processes. Particularly, existing approaches do not consider how to collect relevant source code samples from which to infer patterns. In fact, an inadequate collection can cause API usage pattern miners to infer irrelevant patterns which leads to false alarms instead of finding true API misuses. In this paper, we target this problem (a) by providing a method that increases the likelihood of finding relevant and true-positive patterns concerning a given set of code changes and agnostic to a concrete static, intra-procedural mining technique and (b) by introducing a concept for just-in-time API misuse detection which analyzes changes at the time of commit. Particularly, we introduce different, lightweight code search and filtering strategies and evaluate them on two real-world API misuse datasets to determine their usefulness in finding relevant intra-procedural API usage patterns. Our main results are (1) commit-based search with subsequent filtering effectively decreases the amount of code to be analyzed, (2) in particular method-level filtering is superior to file-level filtering, (3) project-internal and project-external code search find solutions for different types of misuses and thus are complementary, (4) incorporating prior knowledge of the misused API into the search has a negligible effect.

scholarly journals Weavers & Warriors? Gender and Online Identity in 1997 and 2007 V1.0

2008 ◽  
Vol 2 (2) ◽  
Author(s):  
Deirdre Ruane
Keyword(s):  
Preliminary Investigation ◽  
The Body ◽  
Internet Technology ◽  
Online Identity ◽  
Men And Women ◽  
Online Interactions ◽  
And Performance ◽  
And Gender ◽  
Set Up ◽  
Active Exploration

In 1997 the Internet was seen by many as a tool for radical reinterpretation of physicality and gender. Cybertheorists predicted we would leave our bodies behind and interact online as disembodied minds, and that the technology would reshape the way we saw ourselves. However, physicality has proved to be an inextricable part of all our interactions. Changing Internet technology has allowed Net users to find a myriad ways to perform and express their gender online. In this paper I consider attitudes to gender on the Net in 1997, when the main concerns were the imbalance between men and women online and whether it was possible or desirable to bring the body into online interactions. In much of the discourse surrounding gender online, a simple binary was assumed to exist. I go on to consider the extent to which those attitudes have changed today. Through my own experience of setting up a women’s community on Livejournal, and my observations of a men’s community set up in response, I conclude that though traditional attitudes to gender have largely translated to the Net and the binary is still the default view, some shifts have occurred. For example, between 1997 and today there seems to have been a fundamental change in perceptions of women’s attitudes to adversarial debate, and an increase in awareness of genders beyond the binary. In addition, experience and preliminary investigation lead me toward a hypothesis that today’s female-identified Net users are engaged in more conscious and active exploration and performance of their gender online than male-identified users are.

scholarly journals IDA-Pay: a secure and efficient micro-payment system based on Peer-to-Peer NFC technology for Android mobile devices

2012 ◽  
Vol 8 (4) ◽  
pp. 117 ◽  
Author(s):  
Luca Mainetti ◽  
Luigi Patrono ◽  
Roberto Vergallo
Keyword(s):  
Mobile Devices ◽  
Near Field ◽  
Operating Mode ◽  
Peer To Peer ◽  
Payment System ◽  
Third Party ◽  
Payment Systems ◽  
Shopping Experience ◽  
And Performance ◽  
System Effectiveness

The evolution of modern mobile devices towards novel Radio Frequency (RF) capabilities, such as Near Field Communication, leads to a potential for delivering innovative mobile services, which is still partially unexplored. Mobile proximity payment systems are going to enhance the daily shopping experience, but the access to payment security resources of a mobile device (e.g. the “Secure Element”) by third party applications is still blocked by smartphone and Operating System manufacturers. In this paper, the IDA-Pay system is presented, an innovative and secure NFC micro-payment system based on Peer-to-Peer NFC operating mode for Android mobile phones. It allows to deliver mobile-to-POS micro-payment services, bypassing the need for special hardware. A validation scenario and a system evaluation are also reported to demonstrate the system effectiveness and performance.

scholarly journals Financial literacy of students of technical universities: analysis of opinions and development prospects

2021 ◽  
Vol 49 (1) ◽  
pp. 80-91
Author(s):  
Olga V. Stepnova ◽  
◽  
Irina Yu. Starchikova ◽  
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Research University ◽  
Educational Process ◽  
Third Party ◽  
Positive Trend ◽  
Full Time ◽  
Moscow Aviation Institute ◽  
Technical University ◽  
Financial Issues

Introduction. The development of students' ability to make informed and responsible decisions in the field of personal finance is an urgent problem. Young people must have the appropriate competencies, have the required level of financial literacy. This also applies to students of non-economic areas of training, in particular students of technical specialties. The purpose of the study is to analyze the financial literacy of students of a technical university. Materials and methods. The material of the research was the data of an anonymous sociological survey of 100 students of Stupino branch of Moscow Aviation Institute (National Research University) of the 3rd and 4th courses of full-time education by filling in Google forms. Results. Analysis of students' opinions showed a positive trend (65% of respondents) for the introduction of financial literacy in the educational process of a technical university. Students admitted (54% of respondents) that they are not aware of all kinds of risks when investing in NPFs, when buying a home, compulsory motor third party liability insurance, taking a loan, when calculating wages, etc. Based on the students' answers, it was found that 62% of the respondents had no experience in solving financial issues. At the same time, 67% of students are not interested in rates on deposits, loans, the key rate of the Central Bank, but daily use the financial services of the bank (plastic cards, payment for services via the Internet, e-wallet, etc.) 97% of students. Conclusion. Today, the financial literacy of the population is fraught with many vital issues and affects the effectiveness of decisions made and the associated risks.

scholarly journals Design and Implementation of Android Applications as Mobile Payment Gateway Services in the Sistem Online Payment Point (SOPP) of PDAM Malang Regency

2015 ◽  
Vol 1 (1) ◽  
pp. 26-33
Author(s):  
Grifito yuan Maulidina
Keyword(s):  
User Satisfaction ◽  
Survey Methods ◽  
Survey Method ◽  
Point System ◽  
Payment Systems ◽  
Online Payment ◽  
Transaction Process ◽  
Inkjet Printers ◽  
Long Time ◽  
Speed Up

The development of online payment systems such as the online payment point system has greatly assisted the public in processing monthly transactions such as water bills. However, in its application, this system still uses large devices such as computers and inkjet printers so that the operation takes a long time and is less efficient. Therefore, in this study, a mobile application is designed to replace the role of computers in making water bill payment transactions in the online payment point system (SOPP) of PDAM Malang Regency. The application that is connected to a database server via the internet is also integrated with a compact wireless thermal printer that can be carried anywhere and does not require ink refills so that it can speed up the transaction process and be more efficient in time, paper and space. The research method used was experimental and survey methods. The experimental method is used to test the running of the application, test the application's compatibility with the device and measure the time it takes for the application to exchange data. The survey method is used to test user satisfaction with the application.

scholarly journals Tax Law: Third Party As Payer of Income from Dependent Activity

2013 ◽  
Vol 13 (1) ◽  
pp. 147-161
Author(s):  
Jana Tepperová ◽  
Lucie Rytířová
Keyword(s):  
Income Tax ◽  
Personal Income ◽  
Point Of View ◽  
Third Party ◽  
Personal Income Tax ◽  
The Czech Republic ◽  
International Regulations ◽  
Set Up ◽  
Specific Tax ◽  
Collection Point

Abstract Employment related income paid by a third party (non-employer) has its specific tax treatment. In the Czech Republic, a different approach applies for calculation of personal income tax and obligatory insurance contributions from this income. With the preparation of the Single Collection Point (unifying the collection of personal income tax and obligatory insurance contributions), the question arises whether it is possible to set up unified treatment of this income for all obligatory payments. We provide detailed analyses of this topic from the point of view of the Czech legislation and comparison with selected countries. Further we follow with the discussion of problematic issues in unified treatment for all obligatory payments from this income; such as discrimination and complicated administration. We conclude that even if the national legislation for all obligatory payments from this income would not diff er, there will still be different treatment due to specific international regulations.

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