electronic payment systems on open computer networks a survey

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1、ElectronicPaymentSystemsonOpenComputerNetworks:ASurveyWorkingpaperThomiPiliouraAbstractTheextraordinarygrowthofinternationalinterconnectedcomputernetworksandthepervasivetrendofusingthesenetworksasanewfieldforconductingbusinessprocessesisstimulatingthedemandfornewpaymentmethods.Thesenewmethodsmusta

2、ttainhighlevelsofsecurity,speed,privacy,decentralisationandinternationalisationforelectroniccommercetobeacceptedbybothconsumersandbusinesses.Thispapersurveysthestateoftheartinpaymenttechnologiesandsketchesemergingdevelopments.1IntroductionNewelectronictechnologiesarecombiningwithanemergingglobalin

3、formationeconomyontheInternettochangethewaywedobusiness.Inthecentreofthesedevelopmentsareelectronicpaymentmechanismsthatprovidethefinancialinfrastructureneededtoopentheelectronicmarketplace.Thispapergivesanoverviewofthesenewpaymentmechanismsbydescribingandevaluatingsomeofthosethatcurrentlyexistora

4、rebeingdeveloped.Thesereviewsandevaluationsarenecessarilysomewhattentative,becausethevarioussystemsareatdifferentstagesofdevelopmentandthevariouscompaniesoperateatdifferentlevelsofpublicdisclosure.Thispaperisorganisedinthefollowingway.Inthesecondsection,weproposeaclassificationschemaforthedifferen

5、telectronicpaymentsystems.Foreachcategorywechooseafewrepresentativesystemstobeexaminedinthispaper.Inthethirdsection,weproposeanevaluationapproach.Thisevaluationapproachusessomeofthemostimportantparametersassociatedwithafinancialtransactionincludingsecurity,privacyandtransactioncost.Inthefourthsect

6、ion,weusetheseevaluationparametersinordertogiveastructuredoverviewofthedifferentsystems.Thefifthsectionsummarisestheevaluationresults.Weconcludethispaperwithsomegeneralremarksonthefutureofelectronicpaymentsystems.2AClassificationSchemaforelectronicpaymentsystemsAtthismomentintime,therearemanydiffe

7、rentcompaniestryingtopositiontheirproductsasthedominantwaytotransfermoneyacrosstheInternet[1][2][3].Inthissurveyweclassifytheelectronicpaymentsystemsaccordingtothefollowingschema(illustratedalsographicallyinFigur