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Employing the ACP protocol in payment systems
Novák, Andrej ; Burda, Karel (referee) ; Strašil, Ivo (advisor)
Bachelors work focuses on the protocol for the cryptographic systems in payment systems developed for ÚTKO. The work summarizes the current state of the system for payment between the two devices, and work will show how protocol allows for pair of devices within the required activities to negotiate the transaction, negotiate the authentication method, make an authentication, deliver the access parameters and transfer statement. The purpose of this work is to develop scenarios inclusive protocol ACP in the payment system and evaluate them from the aspect of safety, performance data and universality.
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Employing the ACP protocol in payment systems
Novák, Andrej ; Burda, Karel (referee) ; Strašil, Ivo (advisor)
Bachelors work focuses on the protocol for the cryptographic systems in payment systems developed for ÚTKO. The work summarizes the current state of the system for payment between the two devices, and work will show how protocol allows for pair of devices within the required activities to negotiate the transaction, negotiate the authentication method, make an authentication, deliver the access parameters and transfer statement. The purpose of this work is to develop scenarios inclusive protocol ACP in the payment system and evaluate them from the aspect of safety, performance data and universality.
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NFC payments using mobile phone
Kalousová, Pavlína ; Luc, Ladislav (advisor) ; Veber, Jaromír (referee)
This bachelor thesis is focused on the current trend in usability of mobile phones which is paying contactless at merchants using NFC. The beginning of this thesis is aimed at explaining basic terminology, business model, current market share of mobile operating systems and technologies such as NFC, Secure Element, Host Card Emulation and tokenization. This part is followed by categorizing and describing different applications for contactless payments in Czech Republic. These applications can be viewed as applications released by certain banks (bank applications) or by other companies (nonbank applications, often connected to a specific operating system). Part of this thesis is also aimed towards wearables and potential future development regarding contactless payments in Czech Republic. Main goal of this thesis is to analyse different applications based on predetermined criteria. Conclusion of this analysis is used to fulfill the goal of this bachelor thesis which is identifying the most advantageous applications. Last objective of this thesis is to sum up a list of recommendations for potential users to secure their experience.
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Cashless society
Mucha, Petr ; Schlossberger, Otakar (advisor) ; Mazáček, David (referee)
This thesis is aimed at cashless payments which have recently gained worldwide significance. Cash is being gradually phased-out by card transactions and mobile payments via non-bank provider of payment services. A question arises of what would happen if cash would disappear in its entirety and we would find ourselves in a "cashless society". This topic which at first glance appears to be utopian is the subject of this thesis. The first part compares the market of cashless payments in the Czech Republic and in northern Europe (which is amongst the most developed), in particular with regard to the use of cards and mobile payments. The second part is concerned with the phenomenon of shadow economy and the influence of cashless payments on its volume. Concrete recommendations for the Czech economy are also the part of this chapter. The final part hits the essence of the issue and deals with concrete pros and cons of going cashless. The chapter is systematically divided into three parts - security, cost-benefit analysis and legal aspects.
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Analysis of modern payment methods
Klimeš, Martin ; Matuštík, Ondřej (advisor) ; Veber, Jaromír (referee)
This bachelor thesis is focused on the modern payment methods, which has nowadays became one of the most popular and used form of paying. The aim of this work is to formalise an analysis of modern payment methods and define its factor of successes. The bachelor thesis is being divided into several chapters. The first chapter is sourced from (available) written literature, highlighting the main definitions, focusing on the given topic in general but also briefly describes the historical points of view on it and the theoretical methods of critical success factors. The next chapter describes payment methods, which are being used nowadays, then focuses on the analysis of payment methods it self. Methods that are new, modern and innovative in different forms. Each method gives the basic information, function, security, typical situation and advantages and disadvantages of different forms of modern payment methods. Through this analysis we can determine the factors of success of payment methods and creates a discussion, which will result into a summary of factors that should improve and help with the development of the new payment methods. The last chapter contains selected forms of payment methods tested in real conditions.
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Contactless payments and their development
Stádníková, Markéta ; Dvořák, Petr (advisor) ; Vacek, Vladislav (referee)
This work deals with mobile remote payments by mobile operators, mobile banking and payments using contactless NFC technology. The aim of this study is to provide a comprehensive view of this issue, analyze various ways how to use mobile payments and NFC technology. Assess the current state of NFC payments in Czech Republic and compare this situation with selected EU countries. The work can be divided into three parts. The first part presents different types of mobile payments by mobile operators. The second part presents the mobile banking and the situation in individual banks. The third part discusses about contactless payments using NFC technology. Because this system have been already proved in some countries there will be in addition to development in the Czech Republic also outlined developments in selected EU countries. Subsequently, there will be described the test results of contactless payments in the EU and the test using contactless payments in our country. The reader of this work should gain a comprehensive understanding of the issue of mobile payments and NFC technology. Get perspective on the current situation of NFC payments in the Czech Republic and the development of these payments in some European countries. In addition to that the reader should learn information, which is necessary to assess whether or not he would use these payment methods.
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Mobile phone payments in developed and developing countries
Obšivačová, Ivana ; Křížek, Tomáš (advisor) ; Baran, Jaroslav (referee)
The bachelor thesis focuses on the topic of mobile phone payments within direct banking services. Theoretical part offers basic description of the currently-in-use direct banking products. This paper also characterises mobile phone payment systems in developing countries, their fundamental conditions, problems with their implementation and outlines M-PESA as an example of a successful system. The next section analyses mobile phone payment system in developed countries defining conditions and presumptions for mobile phone payments in order of becoming appropriate competitor to the cash payments. To summarize, at the end there is a comparison of the mobile phone payment systems in both, developed as well as developing countries emphasizing on the main differences.
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Electronic mobile payment methods
Kocfelda, Jan ; Mészáros, Jan (advisor) ; Buchalcevová, Alena (referee)
This thesis is dealt with a topic of mobile payments. Even though the mobile payment method is relatively new, it offers a great opportunity to become a common payment instrument in the future. Mobile and contactless technologies are developing constantly and their application in current payments is becoming increasingly popular. However, only time will show if customers are really ready to accept these methods in general. The goal of this work is to introduce the term "mobile payment" to the reader. Furthermore, it explains methods of mobile payments which are available today and the direction of their development. In the first part, there is a definition of the term "mobile payments" and their characteristics are described. The second part defines the methods of mobile payments and the third part deals with mobile payment models in the world. The final part contains an evaluation of the attached questionnaire, which investigates with the awareness and usage of mobile payment in public. The reader of this work should get a comprehensive view on the topic of mobile payments. The work should also provide important clues about possible solutions for mobile payments, their strengths and weaknesses. In addition to that the reader should learn information, which is necessary to assess whether or not he would use these advanced payment methods.
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Payment for goods and services via mobile communication
Roman, Martin ; Pavlíček, Antonín (advisor) ; Exnarová, Anna (referee)
The aim of my work was to analyze actual possibilities of payment by mobile communications, focusing on the European Union and to detect on the basis of a survey how the current services are used and how they are perceived by users. Next, there is suggested own solution of using mobile phones for payments with the present conditions. The work includes a case study which focuses on mobile micro-payments and involves currently used solutions for these payments in the Slovak Republic. The work is divided into three parts. The first part contains a definition of the mobile payments, explains words which are related to the work and analysis of the current payment options with comparing payments via mobile phones. The second part analyzes the most used payment options via mobile phones and their use in different regions of the world. The third part consists of evaluate analyze, a concept of own solution for mobile payments, a case study of micro-payments and the questionnaire.
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Payment for goods and services via mobile communication
Stehlík, Libor ; Matuštík, Ondřej (advisor) ; Brixí, Radim (referee)
The subject of my work is to analyze possible options that are nowadays available for mobile payment for goods and services. It should provide the reader with a view into the future, which depends, to some extent, on the behaviour of our society and the technical progress. The work is divided into four parts. In the first part the reader becomes acquainted with the terms and is being introduced to the problem. In the second part he finds out how the mobile payments are classified, possible solutions and what emphasis is put on the security. Next part tries to analyze a questionnaire that was created for this work. The evaluation should provide conclusions applicable for the introduction of new solutions for mobile payments in Czech Republic. The last part is dedicated to suggesting solutions for a particular case, therefore practical application of acquired knowledge. The aim of this work is to provide the reader with a compact view on the ways of payments using the mobile communication. He should gain from it an awareness of classifying these payments, terminology that accompanies it, problems associated with the establishment, security resolution and the world experiences.
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