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A Framework for Providing Electronic Payment Services

  • As from the beginning of the late 70's an impressive number of innovative electronic payment systems have been developed and tested commercially. However, the resulting variety and complexity of the systems have turned out to be one of the obstacles for the broad acceptance of electronic payment. In this paper we propose a process and service oriented framework, which offers a structural and conceptual orientation in the field of electronic payment. It renders possible an integral view on electronic payment that goes beyond the frame of an individual system. To do this, we have generalized the systems-oriented approaches to a phase-oriented payment model. Using this model, requirements and supporting services for electronic payment can be sorted systematically and described from both the customers' and the merchants' viewpoint. Providing integrated payment processes and services is proving to be a difficult task. With this paper we would like to outline the necessity for a Payment Service Provider to act as a mediator for suppliers and users of electronic payment systems.

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Document Type:Conference Object
Parent Title (English):10th annual workshop of HP-OVUA, July 6-9, 2003 Geneva
Publication year:2003
Departments, institutes and facilities:Fachbereich Wirtschaftswissenschaften
Fachbereich Informatik
Dewey Decimal Classification (DDC):000 Informatik, Informationswissenschaft, allgemeine Werke / 000 Informatik, Wissen, Systeme / 004 Datenverarbeitung; Informatik
Entry in this database:2015/04/02