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Usage of credit cards for Internet payments
Jirovský, Jan ; Pavlíčková, Jarmila (advisor) ; Spurný, Josef (referee)
This bachelor work deal with using of credit cards for internet payments. The aim of this work is to bring compact view on this topic and wants to show not only particular kinds of credit cards and their applications. This work wants to describe very closely environment of internet and possible risks which can take place in this environment by using of credit cards for cardholder or merchant. After obtaining sufficient theoretical base will be subsequently described as a main goal of this work 3-D Secure protocol. 3-D Secure protocol is nowadays probably the most important e-commerce protocol which deals with credit cards and enables the secure processing of payment card transaction in the remote environment (such for example internet). This will be followed by description of services offered to cardholders and merchants by particular banks in the Czech Republic. Based on the description of 3-D Secure protocol and characteristics of service of Czech banks there will be confrontation of level of this services. The main point of the comparison will be full involvement of all the components of 3-D Secure protocol and security of this services. Hence this bachelor work is divided in four main parts which follows aims presented upwards in the text. In the first chapter there is definition of credit card and definition of particular kinds of credit cards and possibilities of their usage. Second chapter describes ways of payments in an ordinary shop and in an electronic shop. Third and fourth chapter defines internet environment and shows possible risks of using credit card in this environment during payment transaction. The whole fifth chapter is devoted to description of 3-D Secure protocol which is described very closely. Sixth chapter defines services of Czech banks to cardholders and merchants who want to pay or accept these payments in the internet environment. Part of this chapter is small valuation of this services. The biggest contribution of this work is in providing comprehensive view of using credit cards for internet payments, allocation of possible risks of using credit cards and very detailed description of 3-D Secure protocol. Just 3-D Secure protocol is by my point of view if fully functional the best answer to all risks and is able to eliminate them. To the future it can be very convincing argument for wider usage of this kind of payment.
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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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Forms of electronic money
Malík, Jan ; Rydzi, Daniel (advisor) ; Zaoral, Ondřej (referee)
The intention of this work is to supply compact overview of most used forms of electronic money from the user's point of view. These forms represent kinds of products of payment methods available in the Czech Republic. First part contains facts about the evolution of bank cards in the whole world and about their short history in the Czech Republic. The work explains dif-ferences of various card types in two ways: type of record and the way, how the transaction is carried to account. Next part is focused on payment terminals from merchant angle of view. It contains real data of terminal payment records in a small shop. Based on this real-world example, there are costs necessary for maintaining of the terminal stated. At the end there are on-line payment options available on the Czech internet described. This information can help both e-shop's customers and e-shop itself.
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Elektronické platební prostředky v České republice
Krištof, Pavel ; Půlpánová, Stanislava (advisor)
Předmětem této práce je analýza současné situace v oblasti elektronických platebních prostředků s důrazem na deskripci procesů souvisejících se zaplacením za zboží v obchodě platební kartou a vysvětlením ekonomiky platebních terminálů ze strany bank. Dále se práce zaměřuje na očekávané tendence v oblasti elektronických peněz a dalšího zjednodušení procesů při platbě.
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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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Analýza některých poplatků vybraných českých bank
Matějková, Hana ; Půlpánová, Stanislava (advisor) ; Daňhel, Jaroslav (referee)
Diplomová práce je zaměřena na analýzu některých poplatků vybraných bank na tuzemském trhu se zaměřením na retailového klienta. Jedná se především o srovnání tří nejvýnosnější bank, kterými jsou Česká spořitelna, ČSOB a Komerční banka. V úvodu práce je zpracována problematika bankovních poplatků a jejich důležitost při výběru banky. V další části jsem se věnovala různým druhům cen v bankovnictví a způsoby stanovení jejich výše. Nejrozsáhlejší část práce je věnována srovnání různých poplatků nečastěji využívaných bankovních produktů u vybraných bank. Jedná se o běžné účty, spořící účty, spotřebitelské úvěry a platební karty. Na závěr jsem zpracovala srovnání některých poplatků u České republiky, Velké Británie a Německa.
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Historie, současnost a budoucnost elektronického bankovnictví
Vápeníková, Pavlína ; Pokorný, Pavel (advisor)
Práce shrnuje historii a analyzuje současný stav a možnosti elektronického bankovnictví. Charakterizuje systém elektronického bankovnictví z hlediska používaného hardware a stavu zabezpečení včetně rizik a z hlediska nákladů ze strany klienta a banky. Dále konkrétně popisuje služby elektronického bankovnictví v některých našich peněžních ústavech a vazbu na některé účetní programy. V závěru je nastíněn další možný vývoj přímého bankovnictví.
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Analýza zúčtování operací prováděných platební kartou
Hryzbylová, Martina ; Schlossberger, Otakar (advisor) ; Tuček, Miroslav (referee)
Práce se zaměřuje na platební karty zejména z pohledu zpracování transakcí. První část obsahuje základní informace o kartách, druhá analyzuje proces zpracování a zúčtování bezhotovostní platby kartou v obchodě. Důraz je kladen zejména na poplatky spojené s transakcí. Analyzovány jsou jak poplatky mezi institucemi, tak poplatky klientů - držitelů karet. Rovněž je provedena analýza poplatků účtovaných klientům na základě dat jedenácti bank v ČR.
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