Review of Digital Wallet Requirements

Hassan, Arif; Shukur, Zarina

doi:10.1109/icocsec47621.2019.8970996

Cited by 23 publications

(10 citation statements)

References 15 publications

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“…Solutions have been proposed in the past to avoid the issue, but many of them had been inconvenient and did not satisfy the requirements of merchants and cardholders at exactly the same time. Consumers consider confidentiality, data integrity, authentication, and non-repudiation as essential requirements for creating secure payments over the Web [7,[31][32][33][34].…”

Section: Security Analysis and Advantagesmentioning

confidence: 99%

An Efficient Secure Electronic Payment System for E-Commerce

2020

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E-commerce implies an electronic purchasing and marketing process online by using typical Web browsers. As e-commerce is quickly developing on the planet, particularly in recent years, many areas of life are affected, particularly the improvement in how individuals regulate themselves non-financially and financially in different transactions. In electronic payment or e-commerce payment, the gateway is a major component of the structure to assure that such exchanges occur without disputes, while maintaining the common security over such systems. Most Internet payment gateways in e-commerce provide monetary information to customers using trusted third parties directly to a payment gateway. Nonetheless, it is recognized that the cloud Web server is not considered a protected entity. This article aims to develop an efficient and secure electronic payment protocol for e-commerce where consumers can immediately connect with the merchant properly. Interestingly, the proposed system does not require the customer to input his/her identity in the merchant’s website even though the customer can hide his/her identity and make a temporary identity to perform the service. It has been found that our protocol has much improved security effectiveness in terms of confidentiality, integrity, non-repudiation, anonymity availability, authentication, and authorization.

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Section: Security Analysis and Advantagesmentioning

confidence: 99%

An Efficient Secure Electronic Payment System for E-Commerce

2020

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“…Banyak penemuan-penemuan baru di dunia teknologi yang menjadi inovasi baru lahirnya sebuah perubahan budaya bahkan perilaku di masyarakat. Salah satu contoh inovasi teknologi yang sedang ramai diperbincangkan di dunia keuangan adalah Digital wallet [14]. Digital wallet atau yang biasa disebut dompet digital adalah sebuah bentuk dari uang elektronik yang berbasis server.…”

Section: Teknologi Inovatif DI Bidang Keuanganunclassified

Pemanfaatan Teknologi Digital Wallet Sebagai Solusi Alternatif Pembayaran Modern: Literature Review

Fadhilah

Layyinna

Khatami

et al. 2021

jcse. journal. of. computer. science. and. engineering.

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Financial technology innovation in the form of digital wallets is very interesting to the public. The efficiency offered from this payment system makes people start to switch from conventional payments to digital payments. In addition, many other factors influence multi-generational people using digital wallets as an alternative to their daily payments. The use of digital wallets is currently widely applied to online transportation transactions, purchases in e-commerce, to food and beverage delivery services. The method used in this study is a method of literature study with the goals to find out the development of digital wallet usage in the community from various journals sourced from Scopus and several websites that have been analyzed and processed by researchers into a literature review study. From the results obtained, it can be concluded that from year to year there is an increase in the number of digital wallet users, especially in Indonesia. Moreover after the Covid-19 pandemic, the number of digital wallet users is increasing because people have to avoid physical contact so that more transactions with digitally.Abstrak: Inovasi teknologi keuangan berupa digital wallet sangat manarik perhatian masyarakat. Efisiensi yang ditawarkan dari sistem pembayaran ini membuat masyarakat mulai beralih dari pembayaran konvensional ke pembayaran digital. Selain itu banyak faktor lain yang mempengaruhi para multi generasi menggunakan digital wallet sebagai alternatif pembayaran sehari-hari mereka. Penggunaan digital wallet saat ini banyak diterapkan untuk transaksi transportasi online, pembelian di e-commerce, hingga jasa pesan antar makanan dan minuman. Metode yang digunakan pada penelitian ini yaitu metode studi literatur dengan tujuan untuk mengetahui perkembangan penggunaan digital wallet di masyarakat dari berbagai jurnal yang bersumber dari Scopus dan beberapa website yang telah dianalisis dan diolah peneliti menjadi sebuah kajian literature review. Dari hasil yang didapatkan dapat disimpulkan bahwa dari tahun ke tahun terjadi peningkatan jumlah pengguna digital wallet, khususnya di Indonesia. Apalagi setelah pandemi Covid-19, jumlah pengguna digital wallet semakin meningkat karena masyarakat harus menghindari kontak fisik sehingga lebih banyak melakukan transaksi secara digital.

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“…To allow large-scale transfer approaches all around the world, payment approach necessitates following an effective safety procedure that can absolutely ensure safety and security for internet transactions. [7,20,22,31,45,65,[80][81][82][83][84][85][86]. 13 papers Supporting transaction [9,13,14,17,20,25,26,31,38,52,65,87,88].…”

Section: Availabilitymentioning

confidence: 99%

A Review on Electronic Payments Security

et al. 2020

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Modern technology is turning into an essential element in the financial trade. We focus the emphasis of this review on the research on the E-wallet and online payment, which is an element of an electric payment system, to get the pattern of using this service. This research presents a review of 131 research articles published on electronic payment between 2010 and 2020 that uses a qualitative method of answering the research questions (RQ): RQ1: “What are the major security issues regarding using electronic payments”? and RQ2: “What security properties need to comply for secure electronic payments?” With the systematic literature review approach, the results show that interest in E-wallet and online payment has grown significantly during this period, and it was found that for the increasing uses of electronic payments, researchers are more focused on security issues. The results show that, to conquer the key gaps, electronic payment must have some protection properties, namely, availability, authorization, integrity, non-repudiation, authentication, and confidentiality. Nowadays, security problems in electronic payment are usually more demanding than the present security problems on the web. These findings can enable electric transaction providers to strengthen their security methods by boosting their security gaps, as required for relevant services.

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Review of Digital Wallet Requirements

Cited by 23 publications

References 15 publications

An Efficient Secure Electronic Payment System for E-Commerce

An Efficient Secure Electronic Payment System for E-Commerce

Pemanfaatan Teknologi Digital Wallet Sebagai Solusi Alternatif Pembayaran Modern: Literature Review

A Review on Electronic Payments Security

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