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Utilization of payment cards
PETROVÁ, Jaroslava
The Thesis deals with the utilization rate of debit cards, asks whether popularity of credit cards increases and tries to find what the approach to holding a payment card is among clients. It also deals with the history of payment card origins, both abroad and in the Czech Republic, with classification of cards and with card associations. Advantages and disadvantages of credit cards for a provider, a retailer and a cardholder and the possibility to compare for whom a card is a beneficial product is another interesting topic. It also deals with classification of cards and informs on the most important card associations. It summarizes their position on the market in the Czech Republic. Payment cards are a phenomenon of present days, which is why nearly everybody owns this payment instrument today. When we look at the offer of banks and financial institutions at the territory of the Czech Republic we find that no more financial institution not offering a wide range of credit and debit cards exists nowadays. The aim of the Bachelor Thesis was to confirm or refute set hypotheses, what the rate of growth on payment cards is and whether the interest in payment cards grows. A quantitative method in the form of a questionnaire research among the clients of Raiffeisenbank a.s. was chosen to confirm the hypotheses, then a research question asking about the approach to payment card ownership among clients. The questionnaire results were processed by means of descriptive statistics in graphic form. The research results were described and evaluated from the point of view of conformation or refutation of the hypotheses and the research question in the conclusion of the Bachelor thesis.
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Banking Facilities within the Framework of Checking Accounts
VRTILKOVÁ, Jana
The Bachelor work is focused on the questions relating the presented services, which are offering in the frame of checking accounts of the selected banks. Both the canals of direct banking, therefore Internet, Telebanking, GSM banking, WAP banking and home banking; and bank overdraft, payment card, credit card, and foreign currency account belong here. The companies of "Komerční banka, a. s.," "Československá obchodní banka, a. s.", "Česká spořitelna, a. s.", "Raiffeisenbank, a. s." and "GE Money Bank, a. s." banks are elaborated. The work is divided into two parts, the theory one and the practical one. The principle of the selected services is outlined in several test examples. These test examples link to the given theory.
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Classification of the payment instruments and their advantages for the client
WELSEROVÁ, Jitka
The aim of the work is to compare various types of payment instruments in domestic and foreign payment systems. I compare their advantages and disadvantages from the view of the firm client. International and also domestic business brings a lot of risks, which firms have to face to. They can eliminate the risks by using various types of payment and security instruments. I compare the fees for providing payments in two banks {--} Volksbank CZ, a. s, and Oberbank AG.
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Analysis of payment systems
Svěcený, Lukáš ; Marešová, Zdena (advisor) ; Pavlíčková, Jarmila (referee)
The objective of my thesis is to describe overall technological concept and organizational scheme od payment cards and outline trends and development in the near future. There has been a big effort for industry standardization (e.g. security standards). It describes also advantages and disadvantages of payment cards and means of authorization. The infomation mentioned here will be used in later part, in case studies. My 3-years working experience as a project manager at Wincor Nixdorf helped to further investigate these scenarios. This company is one of the market leaders and key players in banking and retail industry. Since the cost related issues are very importnant (especially in the time of crisis), I analysed and compared several scenarios of payment system installation in retail.
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Electronic payment systems
Froněk, Filip ; Mészáros, Jan (advisor) ; Buchalcevová, Alena (referee)
This bachelor thesis discusses current possibilities of Internet payments made by electronic payment systems and payment cards. It analyzes its security risks and provides security principles. International electronic payment systems PayPal, AlertPay, MoneyBookers and Czech PaySec and E-Commerce 3-D Secure are described in detail and then compared. This comparison provides sellers a choice of an electronic payment system, which is the most suitable for the branch of his activities.
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Product SEPA and its application
Bachleda, Jozef ; Schlossberger, Otakar (advisor)
The goal of this thesis is to capture the European integration in international payments and credit transfers in the European Union with a focus on the SEPA project, its products and its implementation in Slovakia. It covers the legislative phase, the general characteristics and goals of the project, but also the functioning of institutions responsible for implementation and coordination of the project, the clearing system and the timetable required for implementation. The work deals with various payment instruments and tools of this project. In conclusion, the work attempts to analyze the implementation of the SEPA project in Slovakia.
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Payment Cards and Financial Reporting of Transactions by Payment cards
Handlovičová, Zuzana ; Zelenková, Marie (advisor)
The aim of the bachelor thesis is to closely introduce not only the history of payment cards and their development but mainly the present and the contemporary position of this invention of the twentieth century. In the thesis I focus on the division of the cards, the newest technologies, possibilities offered to the clients and on the detailed analysis of the technical and accounting processing of the transactions carried by payment cards.
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Payment cards in practice and their analysis
Král, Michal ; Schlossberger, Otakar (advisor)
The subject of bachelor thesis is a payment card and its concepts in terms of practice. The payment cards are seen primarily from the current users, i.e. holders of payment cards. The thesis deals with the areas of their origin and development, description of basic characteristics and solves the current issues related to security, especially in the Czech Republic. Thesis is also focused on the practical analysis of payment cards in which the emphasis places on the bank charges associated with the use of payment cards.
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Project SEPA and its aplication
Mach, Jonáš ; Schlossberger, Otakar (advisor)
This thesis studies the process of cross-border payments integration with a focus on the SEPA project. Besides the characteristics of the project itself, it contains a description of the development and the current form of the European legal basis for payment services, the functioning principles of the European payments council and an analysis of SEPA payment instruments. A very important role in the SEPA initiative has been played by the banks themselves, for they embraced a common approach towards the subject. The New legal framework should become effective by 1st November 2009 through national adoption. SEPA has so far brought a new credit transfer scheme and partial changes in the cards framework within Europe.
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Analysis of security requirements for payment card industry and problems with their implementation
Klečka, Jakub ; Doucek, Petr (advisor) ; Krob, Jan (referee)
Rapid development of new technologies and their easy implementation introduces new risks that must be faced. This diploma thesis concentrates at payment card industry. Payment card industry come through significant development. Billions of dollar each year flow through these systems. New technologies like contactless cards, prepaid brand cards are emerging, ATM and payment terminal support new services and products. Merchant are looking for new opportunities. This situation brings along new threats and introduces new vulnerabilities. These are not necessarily new, only the whole environment got much more complicated and digger. Unfortunately the acting threats and vulnerabilities were not eliminated. Missing legislation measures and restricted enforceability are not sufficient to effectively fight against crime in this area. On the other hand sever organizations are aware of these threats and tries to face them. New security requirements were introduced for each separate subjects of payment card industry so that the risks are eliminated or their impact is reduced to an acceptable degree. Some of these requirements were already implemented and are in the scope of this work. The goal of this work is to explore these requirements. To find out what risks they are affecting and how effective they are. And in case of need help to implement the appropriate security measure. This work is practically oriented and can help responsible persons to ensure compliance with the requirements and face all effecting threats.
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