Related papers: Mobile Based Secure Digital Wallet for Peer to Pee…
Digital wallet as a software program or a digital device allows users to conduct various transactions. Hot and cold digital wallets are considered as two types of this wallet. Digital wallets need an online connection fall into the first…
In recent years, electronic retail payment mechanisms, especially e-commerce and card payments at the point of sale, have increasingly replaced cash in many developed countries. As a result, societies are losing a critical public retail…
Many proposals for the design and implementation of digital wallets assume that the purpose of the wallet is to enable offline payments via custodial accounts, ignoring the real problems faced by individuals and businesses that engage in…
Electronic cash (e-cash) is a digital alternative to physical currency that allows anonymous transactions between users and merchants. Typically, coins in an e-cash scheme are only dispensed through a central bank. A drawback of this…
A digital currency is money in a digital form. In this model, maintaining integrity of the supply is a core concern, therefore protections against double-spending are often at the heart of a secure digital money scheme. Quantum money…
With the rapid growth of Information and Communication Technology, Electronic commerce is now acting as a new means of carrying out business transactions through electronic means such as Internet environment. To avoid the complexities…
In today's world of E-Commerce everything comes online like Music, E-Books, Shopping all most everything is online. If you are using some service or buying things online then you have to pay for that. For that you have to do Net Banking or…
We present a scalable architecture for electronic retail payments via central bank digital currency and offer a solution to the perceived conflict between robust regulatory oversight and consumer affordances such as privacy and control. Our…
The current crisis, at the time of writing, has had a profound impact on the financial world, introducing the need for creative approaches to revitalising the economy at the micro level as well as the macro level. In this informal analysis…
Cashless payment systems offer many benefits over cash, but also have some drawbacks. Fake terminals, skimming, wireless connectivity, and relay attacks are persistent problems. Attempts to overcome one problem often lead to another - for…
Wallets are access points for the digital economys value creation. Wallets for blockchains store the end-users cryptographic keys for administrating their digital assets and enable access to blockchain Web3 systems. Web3 delivers new…
Wallet may be described as container application used for configuring, accessing and analysing data from underlying payment application(s). There are two dominant types of digital wallet applications, proximity wallet and remote wallet. In…
The rise of smartphones has led to a significant increase in the usage of mobile payments. Mobile payments allow individuals to access financial resources and make transactions through their mobile devices while on the go. However, the…
The use of digital money has become increasingly popular, but it comes with certain drawbacks. For instance, it can be challenging to make payments during power outages or internet failures. Additionally, some groups may find it difficult…
Blockchain technology has spawned a vast ecosystem of digital currencies with Central Bank Digital Currencies (CBDCs) -- digital forms of fiat currency -- being one of them. An important feature of digital currencies is facilitating…
As digital goods and services become an integral part of modern day society, the demand for a standardized and ubiquitous form of digital currency increases. And it is not just about digital goods; the adoption of electronic and mobile…
Mobile payment system in a disaster area have the potential to provide electronic transactions for people purchasing recovery goods like foodstuffs, clothes, and medicine. Conversely, to enable transactions in a disaster area, current…
This paper is the first attempt to formalize a new field of economics; studding the Intangibles Goods available on the Internet. We are taking advantage of the digital world's specific rules, in particular the zero marginal cost, to propose…
In this paper, we propose to build an Aadhaar Based Unified Payment Solution. The key idea is that a virtual wallet will be linked to the Aadhaar card number of the customer. After that, any identification unique to the person and linked…
We suggest the re-introduction of bartering to create a cryptocurrencyless, currencyless, and moneyless economy segment. We contend that a barter economy would benefit enterprises, individuals, governments and societies. For instance, the…