Abstract-The advent of e-commerce together with the growth of the Internet promoted the digitisation of the payment process with the provision of various online payment methods like electronic cash, debit cards, credit cards, contactless payment, mobile wallets, etc. Besides, the services provided by mobile payment are gaining popularity day-by-day and are showing a transition by advancing towards a propitious future of speculative prospects in conjunction with the technological innovations. This paper is aimed at evaluating the present status and growth of online payment systems in worldwide markets and also takes a look at its future. In this paper, a comprehensive survey on all the aspects of electronic payment has been conducted after analysis of several research studies on online payment systems. Several online payment system services, the associated security issues and the future of such modes of payment have been analysed. This study also analyses the various factors that affect the adoption of online payment systems by consumers. Furthermore, there can be seen a huge growth in mobile payment methods globally beating both debit and credit card payments, all due to the convenience and security offered by them. Nevertheless, various obstacles have been identified in the adoption of online payment methods; thus, some measures have to be taken for granting this industry a hopeful future. Thus, there should be a suitable trade-off between usability and security when designing online payment systems in order to attract customers. Also, technical and organisational issues which arise in the attempt to achieve interoperability must be taken into consideration by the designers. As a matter of fact, the process of developing interoperable and flexible solutions and universal standards is one of the most difficult tasks in the future ahead.
Abstract-With the extension in computer networks, there has been a drastic change in the disposition of network security. Security has always been a major concern of any organization as it involves mechanisms to ensure reliable access. In the present era of global electronic connectivity where hackers, eavesdroppers, electronic frauds, viruses are growing in number, security has proved to be indispensable. Although numerous solutions have been put forth in literature to guarantee security, they have botched with related traits like efficiency and scalability. Despite the range of security solutions that have been presented by experts, not a single approach has been wholly agreed upon to provide absolute security or standardized upon unanimously. Furthermore, these approaches lack adoptable user implementation. In this paper, various approaches and techniques that were introduced in the past for the purpose of enhancing the authentication and authorization of the user while performing sensitive and confidential transaction are discussed. Each of works performed by the researchers is taken singlehandedly for debate followed by analysis. Finally, the open issues in the current domain of study are formulated from the review conducted.
Numerous applications are available on the Internet for the exchange of personal information and money. All these applications need to authenticate the users to confirm their legitimacy. Currently, the most commonly employed credentials include static passwords. But people tend to behave carelessly in choosing their passwords to avoid the burden of memorizing complex passwords. Such frail password habits are a severe threat to the various services available online especially electronic banking or e-banking. For eradicating the necessity of creating and managing passwords, a variety of solutions are prevalent, the traditional ones being the usage of One-Time-Password (OTP) that refers to a single session/transaction password. However, the majority of the OTP-based security solutions fail to satisfy the usability or scalability requirements and are quite vulnerable owing to their reliance on multiple communication channels. In this paper, the most reliable and adoptable solution which provides better security in online banking transactions is proposed. This is an initiative to eradicate the dependency on Global System for Mobile communication (GSM) that is the most popular means of sending the One-Time-Passwords to the users availing e-banking facilities.
Emerging technologies in cloud environment have not only increased its use but also posed some severe issues. These issues can cause considerable harm not only to data storage but also to the large amount of data in distributed file structure which are being used in collaborative sharing. The data sharing technique in the cloud is prone to many flaws and is easily attacked. The conventional cryptographic mechanism is not robust enough to provide a secure authentication. In this paper, we overcome this issue with our proposed Reliable Framework for Data Administration (RFDA) using split-merge policy , developed to enhance data security. The proposed RFDA performs splitting of data in a unique manner using 128 AES encryption key. Different slots of the encrypted key are placed in different places of rack servers of different cloud zones. The effectiveness and efficiency of the proposed system are analyzed using comparative analysis from which it is seen that the proposed system has outperformed the existing and conventional security standard.
There is almost digitization of the entire educational system, as there is an abundant of digital materials available. The educational system is not left out from the global standardization as well as authorities are imposing certain standard at local and global level. As a result, these data which are getting generated in the context of educational also complies all the basic characteristics of the Big Data such as volume in terms of size, and others velocity, variety etc. In order to store, search and process an open source project, Apache Hadoop has been conceptualized, whereas it lags the application specific needs especially in the field of education to enhance the teaching and learning processes. In this paper, an architectural model is illustrated to demonstrate the existing eco-system and a proposed model for provisioning the enhanced teaching -learning mechanism, so that it can be adopted to enhance the intelligence into mechanism of educational framework.
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