Web-Based Electronic Money for Online Banking

2018 ◽  
pp. 59-65
Author(s):  
Raghvendra Kumar ◽  
Preeta Sharan ◽  
Aruna Devi
Keyword(s):  
Payment System ◽  
Online Banking ◽  
Electronic Money ◽  
Electronic Communications ◽  
Web Based ◽  
Current State ◽  
Online Payment

Online transaction payment for the purpose of introducing web-based electronic money as an alternative way of online transaction payment, the main areas that cover in this chapter include research of current payment system, limitation of current payment, what are e-money and the current state of electronic money. It will discuss the proposed web-based electronic money as an alternative for online payment and the benefit of web-based e-money. Online payment transaction is a form of a financial exchange that takes place between the buyer and seller facilitated by means of electronic communications for conducting e-commerce and online purchasing. This chapter includes research of current payment system, limitation of current payment, what are e-money and the current state of electronic money.

Web-Based Electronic Money for Online Banking

2017 ◽  
pp. 55-63
Keyword(s):  
Payment System ◽  
Online Banking ◽  
Electronic Money ◽  
Electronic Communications ◽  
Web Based ◽  
Current State ◽  
Online Payment

Online transaction payment for the purpose of introducing web-based electronic money as an alternative way of online transaction payment, the main areas that cover in this chapter include research of current payment system, limitation of current payment, what are e-money and the current state of electronic money. It will discuss the proposed web-based electronic money as an alternative for online payment and the benefit of web-based e-money. Online payment transaction is a form of a financial exchange that takes place between the buyer and seller facilitated by means of electronic communications for conducting e-commerce and online purchasing. This chapter includes research of current payment system, limitation of current payment, what are e-money and the current state of electronic money.

Attacks and Authentication for Mobile Banking

2017 ◽  
pp. 17-54
Keyword(s):  
Information Security ◽  
New Product ◽  
Relevant Information ◽  
Online Banking ◽  
User Needs ◽  
Mobile Banking ◽  
Design Issues ◽  
Electronic Money ◽  
Web Based ◽  
Security Issues

It is important that any new product or service is based on user needs and requirements rather than being driven by technology. This is an important issue to consider with SMS and mobile banking. Research related to the usability design issues surrounding online banking are relevant to SMS banking. Concepts related to authentication, online banking processes, and other relevant information security issues are discussed further. Literature relevant to these factors is also considered throughout this process of reflection. This chapter discussed the concepts related to authentication, online banking processes and other relevant information security issues are discussed further. Literature relevant to these factors is also considered throughout this process of reflection. In next chapter discusses about Web based electronic money for online banking.

Legalitas dan Pandangan Majelis Ulama Indonesia terhadap Bitcoin sebagai Alat Transaksi

2021 ◽  
Vol 4 (2) ◽  
pp. 311-320
Author(s):  
Ardhi Barkah Apandi ◽  
Muhammad Iqbal Fasa ◽  
A.Kumedi Ja’far
Keyword(s):  
Economic System ◽  
Financial Institution ◽  
Intrinsic Value ◽  
Peer To Peer ◽  
Payment System ◽  
Commodity Futures ◽  
Electronic Money ◽  
Online Payment ◽  
High Volatility ◽  
The Law

ABSTRAK Bitcoin adalah sistem pembayaran online dari uang elektronik peer-to-peer (P2P) yang dikirim langsung dari satu pihak ke pihak lain tanpa melalui lembaga keuangan. Di Indonesia Bitcoin tidak memiliki legalitas untuk dijadikan sebagai alat transaksi yang sah karena bertentangan dengan Undang-Undang nomor 7 tahun 2011 dan Peraturan Bank Indonesia nomor 17 tahun 2015 serta kepemilikan Bitcoin hanya dianggap sah apabila Bitcoin dijadikan sebagai asset kripto dalam bursa berjangka komoditi. Konsep Bitcoin menurut ulama Indonesia haram karena mengandung gharar dan dharar serta bertentangan dengan Undang-Undang. Gharar disebabkan karena penemu atau penciptanya tidak diketahui secara pasti, tidak adanya otoritas yang memastikan keabsahan transaksi, tidak memiliki nilai intrinsik, tidak memiliki validitas dalam sistem ekonomi, nilainya yang tidak stabil karena volatilitas yang tinggi, sulit untuk diawasi akibat ketidakjelasan pemiliki. Dharar disebabkan karena factor kemanan yang rentan akan peretasan, nilai yang fluktuatif sehingga harga bisa turun drastis dan merugikan pemilik, tidak adanya regulasi yang memberikan jaminan terlindung dari kerugian. ABSTRACT Bitcoin is an online payment system of peer-to-peer (P2P) electronic money sent directly from one party to another without going through a financial institution. Bitcoin does not have the legality to be used as a legal transaction tool because it is contrary to Undang-Undang nomor 7 of 2011 and Bank Indonesia Regulation number 17 of 2015 and Bitcoin ownership is only considered legal if Bitcoin is used as a crypto asset in the commodity futures exchange. The concept of Bitcoin according to Indonesian scholars is haram because it contains gharar and dharar and is against the law. Gharar is caused by the inventor or creator is not known with certainty, there is no authority to ensure the validity of transactions, has no intrinsic value, has no validity in the economic system, the value is unstable due to high volatility, difficult to announce due to the uncertainty of the owner. Dharar is caused by security factors that are vulnerable to hacking, fluctuating values ​​so that prices can drop drastically and harm the owner, there is no regulation that guarantees protection from losses.

Technological Change of the Innovation Payment System

2016 ◽  
Vol 13 (04) ◽  
pp. 1650014 ◽  
Author(s):  
Jarunee Wonglimpiyarat
Keyword(s):  
Economic Development ◽  
Technological Change ◽  
Paradigm Shift ◽  
Creative Destruction ◽  
Payment System ◽  
Electronic Money ◽  
Paradigmatic Shift ◽  
Digital Currency ◽  
Online Payment ◽  
S Curve

This paper explores the process of technological change in the payment system. In particular, the study aims to gain understanding if Bitcoin would bring about a paradigmatic shift toward a cashless society. The analysis is based on the technology S-curve and Schumpeter’s model of economic development. It is interesting to see that the swing of S-curves is not strong enough to cause a paradigm shift according to the Schumpeterian concept of creative destruction. The study also compares Bitcoin with PayPal, a similar digital currency and major online payment system, to gain insights of the new challenge toward a cashless economy. The parallel S-curve trajectories of electronic money innovations signify a move from a cash-based economy toward a less cash society.

Promoting Exploitation of University Research by SMEs

1997 ◽  
Vol 11 (1) ◽  
pp. 21-27 ◽  
Author(s):  
M.P.S.F. Gomes ◽  
J.H. Vaux ◽  
J-N. Ezingeard ◽  
R.J. Grieve ◽  
P. Race ◽  
...  
Keyword(s):  
Web Site ◽  
University Research ◽  
The Internet ◽  
Senior Executives ◽  
Manufacturing Companies ◽  
Electronic Communications ◽  
Web Based ◽  
Potential Problems ◽  
Technology Dissemination ◽  
The Web

The authors discuss issues relating to the feasibility of a Web-based database for facilitating communications between university researchers and industry. They have constructed an experimental Web-based Technology Bank that provides examples of university research which might be of interest to manufacturing companies. They are using this database as a focus of discussion on the usefulness of electronic communications for technology dissemination. The portfolio of research products, and the Web site on which it is housed, are currently being presented in a series of workshops for senior executives in small and medium sized manufacturing companies. Views are also being gathered from technology intermediaries. Analysis of the data so far has highlighted potential problems in disseminating information on the Internet and has also enabled the authors to identify and understand users' profiles.

scholarly journals Penerapan Menu Konfirmasi Pembayaran Online Berbasis Yii pada Perguruan Tinggi

2018 ◽  
Vol 4 (3) ◽  
pp. 174
Author(s):  
Untung Rahardja ◽  
Qurotul Aini ◽  
Made Bunga Thalia
Keyword(s):  
College Students ◽  
Information System ◽  
Information Systems ◽  
Modern Society ◽  
Payment System ◽  
Easy Access ◽  
Online Transactions ◽  
Online Payment ◽  
Academic Information

Sistem informasi pembayaran saat ini sudah menggunakan sistem berbasis modernisasi atau online, yang sangat dibutuhkan pada era globalisasi ini. Peranan transaksi online menjadi sangat penting bagi masyarakat modern. Seperti E-Commerce yang menjadi referensi dalam pengembangan form menu konfirmasi pembayaran pada sistem pembayaran online perguruan tinggi, dari sistem yang sebelumnya masih berjalan manual atau tidak online. Tujuan dari penelitian ini adalah untuk mengimplementasikan form menu konfirmasi pembayaran online guna meningkatkan pelayanan kepada mahasiswa perguruan tinggi dalam hal memberikan informasi pembayaran yang tepat dan akurat kepada mahasiswa, serta memberikan akses mudah bagi mahasiswa Perguruan Tinggi Raharja dalam hal konfirmasi pembayaran. Selain dapat memberikan kemudahan bagi mahasiswa, sistem ini juga dapat memberikan kemudahan untuk bagian keuangan dalam pengecekan transaksi yang sudah masuk. Sistem yang diimplementasikan pada Perguruan Tinggi Raharja untuk form menu konfirmasi pembayaran ini ialah website goplus. Website goplus ini dibangun dengan menggunakan yii2 framework, dimana sudah banyak diterapkan sebelumnya pada sistem informasi akademik lainnya di Perguruan Tinggi Raharja. Pada yii2 framework terdapat fitur CRUD (Create, Read, Update, Delete) yang dapat mempermudah dalam membuat suatu form.The current payment information systems already use-based systems modernization or online, which is much needed in this era of globalization. The role of online transactions is becoming very important for modern society. Like the E-Commerce as a reference in the development of the payment confirmation menu form on the college online payment system, from a system that previously still runs manually or not online. The purpose of this research is to implement online payment confirmation menu form to enhance services to college students in terms of providing payment information which is precise and accurate to college students, as well as providing easy access for students College Raharja in terms of payment confirmation. In addition to providing convenience for students, the system is also able to provide convenience to the financial section in checking of transactions already entered. The system is implemented on College Raharja to form this payment confirmation menu is goplus website. Goplus website was built using the yii2 framework, which already implemented earlier in other academic information system in College Raharja. In the yii 2 framework there are features of the CRUD (Create, Read, Update, Delete) which can make it easier to create a form.

scholarly journals A Support of Independent Processes Outside of Information System, Using an Ontology Driven Application

2014 ◽  
Vol 2 (12) ◽  
pp. 45-52
Author(s):  
Ladislav Burita
Keyword(s):  
Information Technology ◽  
Information System ◽  
Research Work ◽  
Extensive Literature ◽  
Final Solution ◽  
Web Based ◽  
Real Possibility ◽  
Current State ◽  
Ontology Design ◽  
Experimental Laboratory

The purpose of the article is to analyze support of the independent processes, using any tool of information technology (IT) outside of the information system (IS) in the enterprise environment. The useful tool of IT could be the software (SW) ATOM, an ontology-driven web based application. Changes in IS are very expensive, complicated and risky, but it should be suggested solution omitted. The extensive literature review of the current state of the topic is added. The chosen process is innovation; the life cycle of innovation is explained: suggestion of innovation, demand for the solution of innovation, the final solution of innovation, and project for implementation of innovation. The methodology of an ontology preparation for the SW application includes design scheme of classes and associations between classes, preparation table of assignment characteristics to classes, and implementation of an ontology design in SW ATOM. The real possibility to support independent processes outside of IS using an ontology-driven application was experimentally verified and confirmed, and the result of research work could be used for any process outside of IS. Limits of the proposed solution consist of only experimental laboratory verification. For the practical use, it should be necessary first to prepare a prototype for the corporation IS in an enterprise environment.

scholarly journals Analysis of Adi Soemarmo Solo Airport Parking Payment System

2021 ◽  
Vol 2 (1) ◽  
pp. 1-3
Author(s):  
Dwiyana Dwiyana ◽  
Muqorobin Muqorobin
Keyword(s):  
Payment System ◽  
Payment Systems ◽  
Electronic Money ◽  
Application System ◽  
Money Balance ◽  
Final Project ◽  
Cash Payment

The writing of the Semester Final Project with the title Analysis of the Parking Payment System for Adi Soemarmo Airport Solo was compiled based on the results of observations at the exit gate of Adi Soemarmo Airport Solo. Transactions on parking payments often cause problems due to several factors, especially the time or process is quite long because sometimes the money given is too large then the cashier takes too long to give change, besides that sometimes passengers do not prepare the money they want to pay in advance and often passengers pay in a situation of insufficient money and this causes queues or jams at the gate exit. The research objective given by the author later is to provide the best solution for airport parking payment systems. In addition to making it easier for passengers, this will greatly facilitate cashiers when carrying out work operations. This payment application system is called u-nik or electronic money. Where u-nik functions to transfer the money balance data contained in u-nik to a computer using a system called AINO. So that payments occur without spending additional cash. With the existence of non-cash payment transactions using the AINO system, it is hoped that it can facilitate and provide speed in making parking payment transactions without the need to carry cash.

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