Security and the Payment-Card Industry

2014 ◽  
pp. 31-40
Keyword(s):  
Payment Card

Financial technologies in the field of retail payments: Current trends and perspectives in EU and Russia

2018 ◽  
pp. 48-63 ◽  
Author(s):  
D. V. Trofimov
Keyword(s):  
European Union ◽  
Systems Development ◽  
Competitive Environment ◽  
The European Union ◽  
Payment Systems ◽  
Payment Card ◽  
Current Trends ◽  
Retail Payments

The article analyzes tendencies of national payment systems development in the European Union and Russia: electronic and deposit money, bank cards, financial technologies in the field of retail payments. The author identifies factors that stimulate the development of cashless retail payments and the national payment card systems in the European Union, as well as the problems and prospects of this sector forming in Russia. Recommendations on the development of a competitive environment and financial technologies in the field of retail payments in Russia are proposed.

Finding Profit-Maximizing Strategies for the Artificial Payment Card Market

2008 ◽  
Author(s):  
Biliana Alexandrova-Kabadjova ◽  
Edward P. K. Tsang ◽  
Andreas Krause
Keyword(s):  
Payment Card ◽  
Profit Maximizing

The Donation-Payment Card Concept: How to Give Twice with One Card

2005 ◽  
Author(s):  
Riley Crane ◽  
Juan V. Escobar-Sotomayor ◽  
Didier Sornette
Keyword(s):  
Payment Card

Cryptographic Applications

2017 ◽  
Author(s):  
Keith M. Martin
Keyword(s):  
Case Studies ◽  
Security Requirements ◽  
The Internet ◽  
Anonymous Communication ◽  
Mobile Telecommunications ◽  
Payment Card ◽  
Video Broadcasting ◽  
Digital Currency ◽  
Identity Cards

This chapter considers eight applications of cryptography. These essentially act as case studies relating to all the previous material. For each application, we identify the security requirements, the application constraints, the choice of cryptography used, and the ways that the keys are managed. We begin with the SSL/TLS protocols used to secure Internet communications. We then examine the cryptography used in W-Fi networks, showing that early cryptographic design mistakes have subsequently been corrected. We then examine the evolving cryptography used to secure mobile telecommunications. This is followed by a discussion of the cryptography that underpins the security of payment card transactions. We look at the cryptography of video broadcasting and identity cards. We then examine the cryptography behind the Tor project, which use cryptography to support anonymous communication on the Internet. Finally, we examine the clever cryptographic design of Bitcoin, showing how use of cryptography can facilitate digital currency.

scholarly journals An intelligent payment card fraud detection system

2021 ◽  
Author(s):  
Manjeevan Seera ◽  
Chee Peng Lim ◽  
Ajay Kumar ◽  
Lalitha Dhamotharan ◽  
Kim Hua Tan
Keyword(s):  
Detection System ◽  
Fraud Detection ◽  
Payment Card

scholarly journals Cards on the Table: Efficiency and Welfare Effects of the No-Surcharge Rule

2018 ◽  
Vol 17 (1) ◽  
pp. 25-50 ◽  
Author(s):  
David Henriques
Keyword(s):  
Social Welfare ◽  
Optimal Policy ◽  
Network Externalities ◽  
Welfare Effects ◽  
Retail Price ◽  
Electronic Payment ◽  
Price Efficiency ◽  
Payment Card ◽  
The Social ◽  
Card Payment

Abstract In Electronic Payment Networks (EPNs), the No-Surcharge Rule (NSR) requires that merchants charge at most the same amount for a payment card transaction as for cash. In this paper, I use a three-party model (consumers, local monopolistic merchants, and a proprietary EPN) with endogenous transaction volumes, heterogeneous card use benefits for merchants and network externalities of card-accepting merchants on cardholders to assess the efficiency and welfare effects of the NSR. I show that the NSR: (i) promotes retail price efficiency for cardholders, and (ii) inefficiently reduces card acceptance among merchants. The NSR can enhance social welfare and improve payment efficiency by shifting output from cash payers to cardholders. However, if network externalities are sufficiently strong, the reduction of card payment acceptance affects cardholders negatively and, with the exception of the EPN, all agents will be worse off under the NSR. This paper also suggests that the NSR may be an instrument to decrease cash usage, but the social optimal policy on the NSR may depend on the competitive conditions in each market.

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