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@article{DBLP:journals/access/KalidKNT24,
  author       = {Suraya Nurain Kalid and
                  Kok{-}Chin Khor and
                  Keng Hoong Ng and
                  Gee{-}Kok Tong},
  title        = {Detecting Frauds and Payment Defaults on Credit Card Data Inherited
                  With Imbalanced Class Distribution and Overlapping Class Problems:
                  {A} Systematic Review},
  journal      = {{IEEE} Access},
  volume       = {12},
  pages        = {23636--23652},
  year         = {2024},
  url          = {https://doi.org/10.1109/ACCESS.2024.3362831},
  doi          = {10.1109/ACCESS.2024.3362831},
  timestamp    = {Sat, 16 Mar 2024 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/access/KalidKNT24.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/anor/SeeraLKDT24,
  author       = {Manjeevan Seera and
                  Chee Peng Lim and
                  Ajay Kumar and
                  Lalitha Dhamotharan and
                  Kim Hua Tan},
  title        = {An intelligent payment card fraud detection system},
  journal      = {Ann. Oper. Res.},
  volume       = {334},
  number       = {1},
  pages        = {445--467},
  year         = {2024},
  url          = {https://doi.org/10.1007/s10479-021-04149-2},
  doi          = {10.1007/S10479-021-04149-2},
  timestamp    = {Mon, 15 Apr 2024 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/anor/SeeraLKDT24.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ett/WangYSS24,
  author       = {Fei Wang and
                  Nan Yang and
                  Pethuraj Mohamed Shakeel and
                  Vijayalakshmi Saravanan},
  title        = {Machine learning for mobile network payment security evaluation system},
  journal      = {Trans. Emerg. Telecommun. Technol.},
  volume       = {35},
  number       = {4},
  year         = {2024},
  url          = {https://doi.org/10.1002/ett.4226},
  doi          = {10.1002/ETT.4226},
  timestamp    = {Tue, 16 Apr 2024 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ett/WangYSS24.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/fi/NorbuPWC24,
  author       = {Tenzin Norbu and
                  Joo{-}Yeon Park and
                  Kok Wai Wong and
                  Hui Cui},
  title        = {Factors Affecting Trust and Acceptance for Blockchain Adoption in
                  Digital Payment Systems: {A} Systematic Review},
  journal      = {Future Internet},
  volume       = {16},
  number       = {3},
  pages        = {106},
  year         = {2024},
  url          = {https://doi.org/10.3390/fi16030106},
  doi          = {10.3390/FI16030106},
  timestamp    = {Tue, 16 Apr 2024 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/fi/NorbuPWC24.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/iam/LiebanaCabanillasKMH24,
  author       = {Francisco J. Li{\'{e}}bana{-}Cabanillas and
                  Zoran Kalinic and
                  Francisco Mu{\~{n}}oz{-}Leiva and
                  Elena Higueras{-}Castillo},
  title        = {Biometric m-payment systems: {A} multi-analytical approach to determining
                  use intention},
  journal      = {Inf. Manag.},
  volume       = {61},
  number       = {2},
  pages        = {103907},
  year         = {2024},
  url          = {https://doi.org/10.1016/j.im.2023.103907},
  doi          = {10.1016/J.IM.2023.103907},
  timestamp    = {Fri, 08 Mar 2024 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/iam/LiebanaCabanillasKMH24.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/tcss/ZhangHZ24,
  author       = {Peiyun Zhang and
                  Xiaoqi Hua and
                  Haibin Zhu},
  title        = {Cross-Chain Digital Asset System for Secure Trading and Payment},
  journal      = {{IEEE} Trans. Comput. Soc. Syst.},
  volume       = {11},
  number       = {2},
  pages        = {1654--1666},
  year         = {2024},
  url          = {https://doi.org/10.1109/TCSS.2023.3241065},
  doi          = {10.1109/TCSS.2023.3241065},
  timestamp    = {Sun, 14 Apr 2024 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/tcss/ZhangHZ24.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/tem/TrivediVSY24,
  author       = {Shrawan Kumar Trivedi and
                  Sriranga Vishnu and
                  Amrinder Singh and
                  Mohit Yadav},
  title        = {Research Trends in Sustainable E-Payment Systems: {A} Study Using
                  Topic Modeling Approach},
  journal      = {{IEEE} Trans. Engineering Management},
  volume       = {71},
  pages        = {7511--7525},
  year         = {2024},
  url          = {https://doi.org/10.1109/TEM.2023.3280216},
  doi          = {10.1109/TEM.2023.3280216},
  timestamp    = {Mon, 15 Apr 2024 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/tem/TrivediVSY24.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@phdthesis{DBLP:phd/tr/Eren23a,
  author       = {Mehmet Eren},
  title        = {Bankac{\i}l{\i}k {\"{o}}deme sistemlerinde siber g{\"{u}}venlik
                  fark{\i}ndal{\i}{\u{g}}{\i}: T{\"{u}}rk bankac{\i}l{\i}k sekt{\"{o}}r{\"{u}}nde
                  fark{\i}ndal{\i}{\u{g}}{\i}n belirleyicileri {\"{u}}zerine bir
                  uygulama (Cybersecurity awareness in banking payment systems: {A}
                  case study on determinants of awareness in Turkish banking sector)},
  school       = {Marmara University, Turkey},
  year         = {2023},
  url          = {https://tez.yok.gov.tr/UlusalTezMerkezi/tezDetay.jsp?id=vZrA2o67kUCPd5bmuLkHPQ\&no=0Glf8i5Kl4JBl09IqvezIg},
  timestamp    = {Sun, 19 Nov 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/phd/tr/Eren23a.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/access/LeeAH23,
  author       = {Dong{-}Jin Lee and
                  Tae{-}Ki An and
                  In{-}June Hwang},
  title        = {A Novel Directional Antenna for Next-Generation Fare Payment System},
  journal      = {{IEEE} Access},
  volume       = {11},
  pages        = {26163--26169},
  year         = {2023},
  url          = {https://doi.org/10.1109/ACCESS.2023.3254208},
  doi          = {10.1109/ACCESS.2023.3254208},
  timestamp    = {Sun, 16 Apr 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/access/LeeAH23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/fi/KhandoIG23,
  author       = {Khando Khando and
                  M. Sirajul Islam and
                  Shang Gao},
  title        = {The Emerging Technologies of Digital Payments and Associated Challenges:
                  {A} Systematic Literature Review},
  journal      = {Future Internet},
  volume       = {15},
  number       = {1},
  pages        = {21},
  year         = {2023},
  url          = {https://doi.org/10.3390/fi15010021},
  doi          = {10.3390/FI15010021},
  timestamp    = {Tue, 31 Jan 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/fi/KhandoIG23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/games/KarunadasaSJ23,
  author       = {Manela Karunadasa and
                  Katri K. Sieberg and
                  Toni Tapani Kristian Jantunen},
  title        = {Payment Systems, Supplier-Induced Demand, and Service Quality in Credence
                  Goods: Results from a Laboratory Experiment},
  journal      = {Games},
  volume       = {14},
  number       = {3},
  pages        = {46},
  year         = {2023},
  url          = {https://doi.org/10.3390/g14030046},
  doi          = {10.3390/G14030046},
  timestamp    = {Thu, 13 Jul 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/games/KarunadasaSJ23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijbis/AlOkailyRAAM23,
  author       = {Manaf Al{-}Okaily and
                  Mohd Shaari Abd Rahman and
                  Azwadi Ali and
                  Emad Abu{-}Shanab and
                  Ra'ed Masa'deh},
  title        = {An empirical investigation on acceptance of mobile payment system
                  services in Jordan: extending {UTAUT2} model with security and privacy},
  journal      = {Int. J. Bus. Inf. Syst.},
  volume       = {42},
  number       = {1},
  pages        = {123--152},
  year         = {2023},
  url          = {https://doi.org/10.1504/IJBIS.2020.10036883},
  doi          = {10.1504/IJBIS.2020.10036883},
  timestamp    = {Mon, 26 Jun 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijbis/AlOkailyRAAM23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijim/Mohamed23,
  author       = {Adil. O. Y. Mohamed},
  title        = {Intelligent Blockchain-Based Secure Framework for Transaction in Mobile
                  Electronic Payment System},
  journal      = {Int. J. Interact. Mob. Technol.},
  volume       = {17},
  number       = {4},
  pages        = {37--46},
  year         = {2023},
  url          = {https://doi.org/10.3991/ijim.v17i04.37671},
  doi          = {10.3991/IJIM.V17I04.37671},
  timestamp    = {Mon, 14 Aug 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijim/Mohamed23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijmc/KhayerTBH23,
  author       = {Abul Khayer and
                  Md. Shamim Talukder and
                  Yukun Bao and
                  Md Nahin Hossain},
  title        = {Application-based mobile payment systems: continuance intention and
                  intention to recommend},
  journal      = {Int. J. Mob. Commun.},
  volume       = {21},
  number       = {1},
  pages        = {19--53},
  year         = {2023},
  url          = {https://doi.org/10.1504/IJMC.2022.10038345},
  doi          = {10.1504/IJMC.2022.10038345},
  timestamp    = {Mon, 02 Jan 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijmc/KhayerTBH23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/iotj/LiSGWYHZW23,
  author       = {Jun Li and
                  Wei Song and
                  Yongbin Gao and
                  Huixing Wang and
                  Yier Yan and
                  Bo Huang and
                  Jun Zhang and
                  Wei Wang},
  title        = {Monocular 3-D Object Detection Based on Depth-Guided Local Convolution
                  for Smart Payment in {D2D} Systems},
  journal      = {{IEEE} Internet Things J.},
  volume       = {10},
  number       = {3},
  pages        = {2245--2254},
  year         = {2023},
  url          = {https://doi.org/10.1109/JIOT.2021.3128440},
  doi          = {10.1109/JIOT.2021.3128440},
  timestamp    = {Fri, 15 Dec 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/iotj/LiSGWYHZW23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/isf/HajekAS23,
  author       = {Petr H{\'{a}}jek and
                  Mohammad Zoynul Abedin and
                  Uthayasankar Sivarajah},
  title        = {Fraud Detection in Mobile Payment Systems using an XGBoost-based Framework},
  journal      = {Inf. Syst. Frontiers},
  volume       = {25},
  number       = {5},
  pages        = {1985--2003},
  year         = {2023},
  url          = {https://doi.org/10.1007/s10796-022-10346-6},
  doi          = {10.1007/S10796-022-10346-6},
  timestamp    = {Fri, 27 Oct 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/isf/HajekAS23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jaihc/BojjaganiSCKK23,
  author       = {Sriramulu Bojjagani and
                  V. N. Sastry and
                  Chien{-}Ming Chen and
                  Saru Kumari and
                  Muhammad Khurram Khan},
  title        = {Systematic survey of mobile payments, protocols, and security infrastructure},
  journal      = {J. Ambient Intell. Humaniz. Comput.},
  volume       = {14},
  number       = {1},
  pages        = {609--654},
  year         = {2023},
  url          = {https://doi.org/10.1007/s12652-021-03316-4},
  doi          = {10.1007/S12652-021-03316-4},
  timestamp    = {Sat, 30 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jaihc/BojjaganiSCKK23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jcmse/YuanCX23,
  author       = {Quan Yuan and
                  Weipeng Chang and
                  Shenglin Xu},
  title        = {A generic model for security algorithms in mobile electronic payment
                  systems},
  journal      = {J. Comput. Methods Sci. Eng.},
  volume       = {23},
  number       = {3},
  pages        = {1425--1438},
  year         = {2023},
  url          = {https://doi.org/10.3233/JCM-226694},
  doi          = {10.3233/JCM-226694},
  timestamp    = {Tue, 04 Jul 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jcmse/YuanCX23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jihmsp/ElshoushMAM23,
  author       = {Huwaida T. Elshoush and
                  Roua M. Mohammed and
                  Mona T. Abdelhameed and
                  Amel F. Mohammed},
  title        = {Mitigating Man-in-the-middle Attack In Online Payment System Transaction
                  Using Polymorphic {AES} Encryption Algorithm},
  journal      = {J. Inf. Hiding Multim. Signal Process.},
  volume       = {14},
  number       = {3},
  pages        = {102--112},
  year         = {2023},
  url          = {http://bit.kuas.edu.tw/\&\#126;jihmsp/2023/vol14/N3/05.JIHMSP-1626.pdf},
  timestamp    = {Mon, 09 Oct 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jihmsp/ElshoushMAM23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jsa/QiaoYZYZ23,
  author       = {Zirui Qiao and
                  Qiliang Yang and
                  Yanwei Zhou and
                  Bo Yang and
                  Mingwu Zhang},
  title        = {A redesigned secure and efficient data transaction protocol for mobile
                  payment system},
  journal      = {J. Syst. Archit.},
  volume       = {143},
  pages        = {102964},
  year         = {2023},
  url          = {https://doi.org/10.1016/j.sysarc.2023.102964},
  doi          = {10.1016/J.SYSARC.2023.102964},
  timestamp    = {Fri, 27 Oct 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jsa/QiaoYZYZ23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jtaer/AlkadiA23,
  author       = {Rotana S. Alkadi and
                  Salma S. Abed},
  title        = {Consumer Acceptance of Fintech App Payment Services: {A} Systematic
                  Literature Review and Future Research Agenda},
  journal      = {J. Theor. Appl. Electron. Commer. Res.},
  volume       = {18},
  number       = {4},
  pages        = {1838--1860},
  year         = {2023},
  url          = {https://doi.org/10.3390/jtaer18040093},
  doi          = {10.3390/JTAER18040093},
  timestamp    = {Sat, 13 Jan 2024 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/jtaer/AlkadiA23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/systems/YangDS0023,
  author       = {Jian Yang and
                  Jichang Dong and
                  Qi Song and
                  Yulia Otmakhova and
                  Zhou He},
  title        = {The Impacts of Payment Policy on Performance of Human Resource Market
                  System: Agent-Based Modeling and Simulation of Growth-Oriented Firms},
  journal      = {Syst.},
  volume       = {11},
  number       = {6},
  pages        = {298},
  year         = {2023},
  url          = {https://doi.org/10.3390/systems11060298},
  doi          = {10.3390/SYSTEMS11060298},
  timestamp    = {Sun, 06 Aug 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/systems/YangDS0023.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/tdsc/WangCZJ23,
  author       = {Cheng Wang and
                  Songyao Chai and
                  Hangyu Zhu and
                  Changjun Jiang},
  title        = {CAeSaR: An Online Payment Anti-Fraud Integration System With Decision
                  Explainability},
  journal      = {{IEEE} Trans. Dependable Secur. Comput.},
  volume       = {20},
  number       = {3},
  pages        = {2565--2577},
  year         = {2023},
  url          = {https://doi.org/10.1109/TDSC.2022.3186733},
  doi          = {10.1109/TDSC.2022.3186733},
  timestamp    = {Fri, 02 Jun 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/tdsc/WangCZJ23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/tsc/IslamISCJ23,
  author       = {Md. Mainul Islam and
                  Md. Kamrul Islam and
                  Md. Shahjalal and
                  Mostafa Zaman Chowdhury and
                  Yeong Min Jang},
  title        = {A Low-Cost Cross-Border Payment System Based on Auditable Cryptocurrency
                  With Consortium Blockchain: Joint Digital Currency},
  journal      = {{IEEE} Trans. Serv. Comput.},
  volume       = {16},
  number       = {3},
  pages        = {1616--1629},
  year         = {2023},
  url          = {https://doi.org/10.1109/TSC.2022.3207224},
  doi          = {10.1109/TSC.2022.3207224},
  timestamp    = {Thu, 27 Jul 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/tsc/IslamISCJ23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/amcis/DyosiT23,
  author       = {Neliswa Florence Dyosi and
                  Maureen Tanner},
  editor       = {Paul A. Pavlou and
                  Vishal Midha and
                  Animesh Animesh and
                  Traci A. Carte and
                  Alexandre R. Graeml and
                  Alanah Mitchell},
  title        = {Cryptocurrency Payment Method for Retailers: {A} Systematic Review},
  booktitle    = {29th Americas Conference on Information Systems, {AMCIS} 2023, Panama
                  City, Panama, August 10-12, 2023},
  publisher    = {Association for Information Systems},
  year         = {2023},
  url          = {https://aisel.aisnet.org/amcis2023/sig\_scuidt/sig\_scuidt/3},
  timestamp    = {Wed, 19 Jul 2023 08:55:10 +0200},
  biburl       = {https://dblp.org/rec/conf/amcis/DyosiT23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/cciot/LopezMP23,
  author       = {Maria Eugenia Lopez and
                  John Murphy and
                  Alessio Pagani},
  title        = {Bitcoin-Powered IoT Networks for Climate Change Research: a Peer-to-Peer
                  Micro-Payment System to Enhance Data Collection},
  booktitle    = {Proceedings of the 8th International Conference on Cloud Computing
                  and Internet of Things, {CCIOT} 2023, Okinawa, Japan, September 22-24,
                  2023},
  pages        = {139--146},
  publisher    = {{ACM}},
  year         = {2023},
  url          = {https://doi.org/10.1145/3627345.3627365},
  doi          = {10.1145/3627345.3627365},
  timestamp    = {Sun, 10 Dec 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/cciot/LopezMP23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/cloudcom/LeeL23,
  author       = {Seung{-}Seok Lee and
                  Sang{-}Joon Lee},
  title        = {Design and Implementation of Web3-Based E-Commerce Cryptocurrency
                  Payment System},
  booktitle    = {{IEEE} International Conference on Cloud Computing Technology and
                  Science, CloudCom 2023, Naples, Italy, December 4-6, 2023},
  pages        = {303--308},
  publisher    = {{IEEE}},
  year         = {2023},
  url          = {https://doi.org/10.1109/CloudCom59040.2023.00056},
  doi          = {10.1109/CLOUDCOM59040.2023.00056},
  timestamp    = {Thu, 11 Apr 2024 16:38:29 +0200},
  biburl       = {https://dblp.org/rec/conf/cloudcom/LeeL23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/comad/GuptaGSK23,
  author       = {Badal Gupta and
                  Anil Goyal and
                  Chirag Sharma and
                  Divyansh Kumar},
  title        = {RE-RentFraud: {A} System to detect Frauds in rent payments for Real-Estate
                  properties},
  booktitle    = {Proceedings of the 6th Joint International Conference on Data Science
                  {\&} Management of Data (10th {ACM} {IKDD} {CODS} and 28th COMAD),
                  Mumbai, India, January 4-7, 2023},
  pages        = {253--257},
  publisher    = {{ACM}},
  year         = {2023},
  url          = {https://doi.org/10.1145/3570991.3571066},
  doi          = {10.1145/3570991.3571066},
  timestamp    = {Sun, 15 Jan 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/comad/GuptaGSK23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/emcis/GutscheL23,
  author       = {Alex Gutsche and
                  Soulla Louca},
  editor       = {Maria Papadaki and
                  Marinos Themistocleous and
                  Khalid Al Marri and
                  Marwan Al{-}Zarouni},
  title        = {Perspectives of Merchants Regarding Bitcoin's Role as a Currency and
                  Its Utility as a Payment System},
  booktitle    = {Information Systems - 20th European, Mediterranean, and Middle Eastern
                  Conference, {EMCIS} 2023, Dubai, United Arab Emirates, December 11-12,
                  2023, Proceedings, Part {I}},
  series       = {Lecture Notes in Business Information Processing},
  volume       = {501},
  pages        = {107--119},
  publisher    = {Springer},
  year         = {2023},
  url          = {https://doi.org/10.1007/978-3-031-56478-9\_8},
  doi          = {10.1007/978-3-031-56478-9\_8},
  timestamp    = {Mon, 15 Apr 2024 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/emcis/GutscheL23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ficloud/MondegoGHB23a,
  author       = {Domingos Mondego and
                  Ergun Gide and
                  Jahan Hassan and
                  Ayub Bokani},
  editor       = {Irfan Awan and
                  Muhammad Younas and
                  Markus Aleksy},
  title        = {The Role of Service Quality and Security in Driving Satisfaction with
                  Cloud-Based Payment Systems in Australia: {A} Merchant Perspective},
  booktitle    = {10th International Conference on Future Internet of Things and Cloud,
                  FiCloud 2023, Marrakesh, Morocco, August 14-16, 2023},
  pages        = {230--235},
  publisher    = {{IEEE}},
  year         = {2023},
  url          = {https://doi.org/10.1109/FiCloud58648.2023.00041},
  doi          = {10.1109/FICLOUD58648.2023.00041},
  timestamp    = {Thu, 04 Apr 2024 15:39:38 +0200},
  biburl       = {https://dblp.org/rec/conf/ficloud/MondegoGHB23a.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/i3e/KhandoIG23,
  author       = {Khando Khando and
                  M. Sirajul Islam and
                  Shang Gao},
  editor       = {Marijn Janssen and
                  Luiz Pinheiro and
                  Ricardo Matheus and
                  Fernanda Frankenberger and
                  Yogesh K. Dwivedi and
                  Ilias O. Pappas and
                  Matti M{\"{a}}ntym{\"{a}}ki},
  title        = {Factors Influencing Merchants' Adoption of Cashless Payment Systems
                  in Sweden},
  booktitle    = {New Sustainable Horizons in Artificial Intelligence and Digital Solutions
                  - 22nd {IFIP} {WG} 6.11 Conference on e-Business, e-Services and e-Society,
                  {I3E} 2023, Curitiba, Brazil, November 9-11, 2023, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {14316},
  pages        = {372--384},
  publisher    = {Springer},
  year         = {2023},
  url          = {https://doi.org/10.1007/978-3-031-50040-4\_27},
  doi          = {10.1007/978-3-031-50040-4\_27},
  timestamp    = {Sat, 13 Jan 2024 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/i3e/KhandoIG23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iccsci/AlfariziS23,
  author       = {Muhammad Alfarizi and
                  Rini Kurnia Sari},
  editor       = {Alexander Agung Santoso Gunawan},
  title        = {Adoption Of Cash on Delivery {(COD)} Payment System in Shopee Marketplace
                  Transaction},
  booktitle    = {Empowering Smart Technology in Digital Era for Industry and Socity:
                  The 8th International Conference on Computer Science and Computational
                  Intelligence, {ICCSCI} 2023, 02-03 August 2023, Malang, Indonesia},
  series       = {Procedia Computer Science},
  volume       = {227},
  pages        = {110--118},
  publisher    = {Elsevier},
  year         = {2023},
  url          = {https://doi.org/10.1016/j.procs.2023.10.508},
  doi          = {10.1016/J.PROCS.2023.10.508},
  timestamp    = {Thu, 18 Apr 2024 14:52:56 +0200},
  biburl       = {https://dblp.org/rec/conf/iccsci/AlfariziS23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icsim/NilapunJ23,
  author       = {Montipat Nilapun and
                  Tanapon Jensuttiwetchakul},
  title        = {The Effect of System Quality, Information Quality, and Service Quality
                  on the Continued Usage of Mobile Payment Application in Thailand},
  booktitle    = {Proceedings of the 2023 6th International Conference on Software Engineering
                  and Information Management, {ICSIM} 2023, Palmerston North, New Zealand,
                  31 January 2023 - 2 February 2023},
  pages        = {101--108},
  publisher    = {{ACM}},
  year         = {2023},
  url          = {https://doi.org/10.1145/3584871.3584886},
  doi          = {10.1145/3584871.3584886},
  timestamp    = {Fri, 07 Jul 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/icsim/NilapunJ23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ifip11-9/NicholsonHL23,
  author       = {Trevor Nicholson and
                  Darren R. Hayes and
                  Nhien{-}An Le{-}Khac},
  editor       = {Gilbert L. Peterson and
                  Sujeet Shenoi},
  title        = {Forensic Analysis of the iOS Apple Pay Mobile Payment System},
  booktitle    = {Advances in Digital Forensics {XIX} - 19th {IFIP} {WG} 11.9 International
                  Conference, {ICDF} 2023, Arlington, Virginia, USA, January 30-31,
                  2023, Revised Selected Papers},
  series       = {{IFIP} Advances in Information and Communication Technology},
  volume       = {687},
  pages        = {3--19},
  publisher    = {Springer},
  year         = {2023},
  url          = {https://doi.org/10.1007/978-3-031-42991-0\_1},
  doi          = {10.1007/978-3-031-42991-0\_1},
  timestamp    = {Mon, 05 Feb 2024 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/ifip11-9/NicholsonHL23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ihc/MeloMSTM23,
  author       = {Giselle Lorrane Nobre Melo and
                  Nicoly Da Silva Menezes and
                  Ingrid Moreira Miranda da Silva and
                  Luciano Arruda Teran and
                  Marcelle Pereira Mota},
  editor       = {Ranilson Paiva and
                  Andr{\'{e}} Magno Costa de Ara{\'{u}}jo and
                  Taciana Pontual Falc{\~{a}}o and
                  Yuska Paola Costa Aguiar},
  title        = {Inspecting the Accessibility of Instant Payment Systems from the Perspective
                  of Low Literacy People},
  booktitle    = {Proceedings of the {XXII} Brazilian Symposium on Human Factors in
                  Computing Systems, {IHC} 2023, Macei{\'{o}}, Brazil, October
                  16-20, 2023},
  pages        = {22:1--22:11},
  publisher    = {{ACM}},
  year         = {2023},
  url          = {https://doi.org/10.1145/3638067.3638127},
  doi          = {10.1145/3638067.3638127},
  timestamp    = {Sat, 10 Feb 2024 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/ihc/MeloMSTM23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ihc/TeranM23,
  author       = {Luciano Arruda Teran and
                  Marcelle Pereira Mota},
  editor       = {Ranilson Paiva and
                  Andr{\'{e}} Magno Costa de Ara{\'{u}}jo and
                  Taciana Pontual Falc{\~{a}}o and
                  Yuska Paola Costa Aguiar},
  title        = {Design Considerations for Real-Time Payment Systems and Emerging Users},
  booktitle    = {Proceedings of the {XXII} Brazilian Symposium on Human Factors in
                  Computing Systems, {IHC} 2023, Macei{\'{o}}, Brazil, October
                  16-20, 2023},
  pages        = {35:1--35:11},
  publisher    = {{ACM}},
  year         = {2023},
  url          = {https://doi.org/10.1145/3638067.3638107},
  doi          = {10.1145/3638067.3638107},
  timestamp    = {Sat, 10 Feb 2024 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/ihc/TeranM23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/istas/LimC23,
  author       = {Xin{-}Jean Lim and
                  Jun{-}Hwa (Jacky) Cheah},
  title        = {Are we Ready to Adopt Facial Recognition Payment System?: The Perspective
                  of Cognitive Appraisal Theory},
  booktitle    = {{IEEE} International Symposium on Technology and Society, {ISTAS}
                  2023, Swansea, United Kingdom, September 13-15, 2023},
  pages        = {1--5},
  publisher    = {{IEEE}},
  year         = {2023},
  url          = {https://doi.org/10.1109/ISTAS57930.2023.10305994},
  doi          = {10.1109/ISTAS57930.2023.10305994},
  timestamp    = {Thu, 16 Nov 2023 09:03:45 +0100},
  biburl       = {https://dblp.org/rec/conf/istas/LimC23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/skima/BargeARPT23,
  author       = {Prashant Barge and
                  Bhakti Agarwal and
                  Shailesh Rastogi and
                  Aman Pushp and
                  Pracheta Tejasmayee},
  title        = {Does the Digital Payment System Affect the Poverty Score in India?},
  booktitle    = {15th International Conference on Software, Knowledge, Information
                  Management and Applications, {SKIMA} 2023, Kuala Lumpur, Malaysia,
                  December 8-10, 2023},
  pages        = {63--68},
  publisher    = {{IEEE}},
  year         = {2023},
  url          = {https://doi.org/10.1109/SKIMA59232.2023.10387338},
  doi          = {10.1109/SKIMA59232.2023.10387338},
  timestamp    = {Tue, 13 Feb 2024 21:33:06 +0100},
  biburl       = {https://dblp.org/rec/conf/skima/BargeARPT23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2305-03567,
  author       = {Andrew Lewis{-}Pye and
                  Oded Naor and
                  Ehud Shapiro},
  title        = {Flash: An Asynchronous Payment System with Good-Case Linear Communication
                  Complexity},
  journal      = {CoRR},
  volume       = {abs/2305.03567},
  year         = {2023},
  url          = {https://doi.org/10.48550/arXiv.2305.03567},
  doi          = {10.48550/ARXIV.2305.03567},
  eprinttype    = {arXiv},
  eprint       = {2305.03567},
  timestamp    = {Wed, 10 May 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2305-03567.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2309-13191,
  author       = {Andrew Lewis{-}Pye and
                  Oded Naor and
                  Ehud Shapiro},
  title        = {Grassroots Flash: {A} Payment System for Grassroots Cryptocurrencies},
  journal      = {CoRR},
  volume       = {abs/2309.13191},
  year         = {2023},
  url          = {https://doi.org/10.48550/arXiv.2309.13191},
  doi          = {10.48550/ARXIV.2309.13191},
  eprinttype    = {arXiv},
  eprint       = {2309.13191},
  timestamp    = {Wed, 27 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2309-13191.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/iacr/LiuZW23a,
  author       = {Tianjian Liu and
                  Dawei Zhang and
                  Wei Wang},
  title        = {{ASOZ:} a decentralized payment system with privacy preserving and
                  auditing on public blockchain},
  journal      = {{IACR} Cryptol. ePrint Arch.},
  pages        = {1816},
  year         = {2023},
  url          = {https://eprint.iacr.org/2023/1816},
  timestamp    = {Fri, 08 Dec 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/iacr/LiuZW23a.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/iacr/MovsowitzDavidowM23,
  author       = {Danielle Movsowitz{-}Davidow and
                  Yacov Manevich},
  title        = {Privacy-Preserving Payment System With Verifiable Local Differential
                  Privacy},
  journal      = {{IACR} Cryptol. ePrint Arch.},
  pages        = {126},
  year         = {2023},
  url          = {https://eprint.iacr.org/2023/126},
  timestamp    = {Tue, 28 Feb 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/iacr/MovsowitzDavidowM23.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/concurrency/XuHM22,
  author       = {Bing Xu and
                  Darong Huang and
                  Bo Mi},
  title        = {Research on the application of mobile payment security system based
                  on the Internet of Things},
  journal      = {Concurr. Comput. Pract. Exp.},
  volume       = {34},
  number       = {9},
  year         = {2022},
  url          = {https://doi.org/10.1002/cpe.5779},
  doi          = {10.1002/CPE.5779},
  timestamp    = {Mon, 26 Jun 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/concurrency/XuHM22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/connection/ZhaoZZ22,
  author       = {Liutao Zhao and
                  Jiawan Zhang and
                  Lin Zhong},
  title        = {A blockchain-based transaction system with payment statistics and
                  supervision},
  journal      = {Connect. Sci.},
  volume       = {34},
  number       = {1},
  pages        = {1751--1771},
  year         = {2022},
  url          = {https://doi.org/10.1080/09540091.2022.2080181},
  doi          = {10.1080/09540091.2022.2080181},
  timestamp    = {Wed, 27 Jul 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/connection/ZhaoZZ22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/frma/Nahar22,
  author       = {Sharmin Nahar},
  title        = {Decoding the Role of Gender in the Relationship Between the Online
                  Payment System and {SME} Performance: {A} Case Study Investigating
                  an Emerging Economy - Bangladesh},
  journal      = {Frontiers Res. Metrics Anal.},
  volume       = {7},
  pages        = {842670},
  year         = {2022},
  url          = {https://doi.org/10.3389/frma.2022.842670},
  doi          = {10.3389/FRMA.2022.842670},
  timestamp    = {Wed, 20 Apr 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/frma/Nahar22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ieicetd/LinCC22,
  author       = {Iuon{-}Chang Lin and
                  Chin{-}Chen Chang and
                  Hsiao{-}Chi Chiang},
  title        = {A Novel e-Cash Payment System with Divisibility Based on Proxy Blind
                  Signature in Web of Things},
  journal      = {{IEICE} Trans. Inf. Syst.},
  volume       = {105-D},
  number       = {12},
  pages        = {2092--2103},
  year         = {2022},
  url          = {https://doi.org/10.1587/transinf.2022edp7081},
  doi          = {10.1587/TRANSINF.2022EDP7081},
  timestamp    = {Thu, 11 May 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ieicetd/LinCC22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijbis/OniOAOAA22,
  author       = {Aderonke A. Oni and
                  Senanu R. Okuboyejo and
                  Mosunmola Akinbode and
                  Julius Olatunji Okesola and
                  Ayodele Ariyo Adebiyi and
                  Charles K. Ayo},
  title        = {Impacts of trust factors and task technology fit on the use of e-payment
                  systems in Nigeria},
  journal      = {Int. J. Bus. Inf. Syst.},
  volume       = {39},
  number       = {1},
  pages        = {96--115},
  year         = {2022},
  url          = {https://doi.org/10.1504/IJBIS.2022.120371},
  doi          = {10.1504/IJBIS.2022.120371},
  timestamp    = {Fri, 04 Feb 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijbis/OniOAOAA22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijesma/IbrahimHS22,
  author       = {Masud Ibrahim and
                  Robert E. Hinson and
                  Arthur Stephen},
  title        = {Exploring Consumers' Intention to Adopt Mobile Payment Systems in
                  Ghana},
  journal      = {Int. J. {E} Serv. Mob. Appl.},
  volume       = {14},
  number       = {1},
  pages        = {1--16},
  year         = {2022},
  url          = {https://doi.org/10.4018/ijesma.285547},
  doi          = {10.4018/IJESMA.285547},
  timestamp    = {Mon, 24 Oct 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijesma/IbrahimHS22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijkss/LarssonILJ22,
  author       = {Aron Larsson and
                  Osama Ibrahim and
                  Joeri van Laere and
                  Bj{\"{o}}rn J. E. Johansson},
  title        = {A Simulation-Game for Resilience Assessments in a Payment System Disruption
                  Scenario},
  journal      = {Int. J. Knowl. Syst. Sci.},
  volume       = {13},
  number       = {1},
  pages        = {1--25},
  year         = {2022},
  url          = {https://doi.org/10.4018/ijkss.305479},
  doi          = {10.4018/IJKSS.305479},
  timestamp    = {Fri, 08 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijkss/LarssonILJ22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijmc/ChoiK22,
  author       = {Ryun Hee Choi and
                  Ohbyung Kwon},
  title        = {Factors affecting the continuance intention of mobile payment services:
                  a product-service systems perspective},
  journal      = {Int. J. Mob. Commun.},
  volume       = {20},
  number       = {2},
  pages        = {150--173},
  year         = {2022},
  url          = {https://doi.org/10.1504/IJMC.2022.121449},
  doi          = {10.1504/IJMC.2022.121449},
  timestamp    = {Wed, 13 Apr 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijmc/ChoiK22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijskd/LakhaiyarM22,
  author       = {Sweta Lakhaiyar and
                  Mukta Mani},
  title        = {Factors Influencing Adoption of Digital Payment Systems During {COVID-19}},
  journal      = {Int. J. Sociotechnology Knowl. Dev.},
  volume       = {14},
  number       = {1},
  pages        = {1--21},
  year         = {2022},
  url          = {https://doi.org/10.4018/ijskd.315292},
  doi          = {10.4018/IJSKD.315292},
  timestamp    = {Tue, 02 Jan 2024 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijskd/LakhaiyarM22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/information/ZhouWHZQC22,
  author       = {Yukun Zhou and
                  Ningsheng Wu and
                  Baidong Hu and
                  Yitao Zhang and
                  Jingyun Qiu and
                  Weiming Cai},
  title        = {Implementation and Performance of Face Recognition Payment System
                  Securely Encrypted by {SM4} Algorithm},
  journal      = {Inf.},
  volume       = {13},
  number       = {7},
  pages        = {316},
  year         = {2022},
  url          = {https://doi.org/10.3390/info13070316},
  doi          = {10.3390/INFO13070316},
  timestamp    = {Mon, 28 Aug 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/information/ZhouWHZQC22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/isf/ChinHB22,
  author       = {Amita Goyal Chin and
                  Mark A. Harris and
                  Robert G. Brookshire},
  title        = {An Empirical Investigation of Intent to Adopt Mobile Payment Systems
                  Using a Trust-based Extended Valence Framework},
  journal      = {Inf. Syst. Frontiers},
  volume       = {24},
  number       = {1},
  pages        = {329--347},
  year         = {2022},
  url          = {https://doi.org/10.1007/s10796-020-10080-x},
  doi          = {10.1007/S10796-020-10080-X},
  timestamp    = {Fri, 01 Apr 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/isf/ChinHB22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jeco/MozdzynskiC22,
  author       = {Daniel Mozdzynski and
                  Wojciech Cellary},
  title        = {Determinants of the Acceptance of Mobile Payment Systems by E-Merchants},
  journal      = {J. Electron. Commer. Organ.},
  volume       = {20},
  number       = {1},
  pages        = {1--23},
  year         = {2022},
  url          = {https://doi.org/10.4018/jeco.286777},
  doi          = {10.4018/JECO.286777},
  timestamp    = {Mon, 24 Oct 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jeco/MozdzynskiC22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/js/ZhaoGH22,
  author       = {Shaolin Zhao and
                  Yingying Gu and
                  Zhenju Huang},
  title        = {Building a Performance Management System for Hospitals Based on Diagnosis-Related
                  Group {(DRG)} Payment},
  journal      = {J. Sensors},
  volume       = {2022},
  pages        = {1--10},
  year         = {2022},
  url          = {https://doi.org/10.1155/2022/7001423},
  doi          = {10.1155/2022/7001423},
  timestamp    = {Mon, 26 Sep 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/js/ZhaoGH22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/msom/RajanSAC22,
  author       = {Balaraman Rajan and
                  Arvind Sainathan and
                  Saligrama R. Agnihothri and
                  Leon Cui},
  title        = {The Promise of mHealth for Chronic Disease Management Under Different
                  Payment Systems},
  journal      = {Manuf. Serv. Oper. Manag.},
  volume       = {24},
  number       = {6},
  pages        = {3158--3176},
  year         = {2022},
  url          = {https://doi.org/10.1287/msom.2022.1143},
  doi          = {10.1287/MSOM.2022.1143},
  timestamp    = {Sun, 15 Jan 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/msom/RajanSAC22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/pajais/ShangC22,
  author       = {Shari S. C. Shang and
                  Lynn S. L. Chiu},
  title        = {Leveraging Smart Technology for User Experience Personalization -
                  {A} Comparative Case Study of Innovative Payment Systems},
  journal      = {Pac. Asia J. Assoc. Inf. Syst.},
  volume       = {14},
  number       = {1},
  pages        = {6},
  year         = {2022},
  url          = {https://aisel.aisnet.org/pajais/vol14/iss1/6},
  timestamp    = {Wed, 23 Feb 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/pajais/ShangC22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/sensors/KihtirYOA22,
  author       = {Fatih Kihtir and
                  Mehmet Akif Yazici and
                  Kasim Oztoprak and
                  Ferda Nur Alpaslan},
  title        = {Next-Generation Payment System for Device-to-Device Content and Processing
                  Sharing},
  journal      = {Sensors},
  volume       = {22},
  number       = {7},
  pages        = {2451},
  year         = {2022},
  url          = {https://doi.org/10.3390/s22072451},
  doi          = {10.3390/S22072451},
  timestamp    = {Mon, 05 Dec 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/sensors/KihtirYOA22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/systems/Chen22,
  author       = {Wen{-}Yi Chen},
  title        = {On the Relationships among Nurse Staffing, Inpatient Care Quality,
                  and Hospital Competition under the Global Budget Payment Scheme of
                  Taiwan's National Health Insurance System: Mixed Frequency {VAR} Analyses},
  journal      = {Syst.},
  volume       = {10},
  number       = {5},
  pages        = {187},
  year         = {2022},
  url          = {https://doi.org/10.3390/systems10050187},
  doi          = {10.3390/SYSTEMS10050187},
  timestamp    = {Thu, 17 Nov 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/systems/Chen22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/taasm/AdubaA22,
  author       = {Joseph Junior Aduba and
                  Behrooz Asgari},
  title        = {Analysing and forecasting the diffusion of electronic payments system
                  in Nigeria},
  journal      = {Technol. Anal. Strateg. Manag.},
  volume       = {34},
  number       = {10},
  pages        = {1215--1233},
  year         = {2022},
  url          = {https://doi.org/10.1080/09537325.2021.1950675},
  doi          = {10.1080/09537325.2021.1950675},
  timestamp    = {Mon, 05 Dec 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/taasm/AdubaA22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/tele/BelancheGA22,
  author       = {Daniel Belanche and
                  Miguel Guinaliu and
                  Pablo Alb{\'{a}}s},
  title        = {Customer adoption of p2p mobile payment systems: The role of perceived
                  risk},
  journal      = {Telematics Informatics},
  volume       = {72},
  pages        = {101851},
  year         = {2022},
  url          = {https://doi.org/10.1016/j.tele.2022.101851},
  doi          = {10.1016/J.TELE.2022.101851},
  timestamp    = {Mon, 05 Feb 2024 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/tele/BelancheGA22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/tjs/ShamsabadiC22,
  author       = {Fatemeh Alidadi Shamsabadi and
                  Shaghayegh Bakhtiari Chehelcheshmeh},
  title        = {A cloud-based mobile payment system using identity-based signature
                  providing key revocation},
  journal      = {J. Supercomput.},
  volume       = {78},
  number       = {2},
  pages        = {2503--2527},
  year         = {2022},
  url          = {https://doi.org/10.1007/s11227-021-03830-4},
  doi          = {10.1007/S11227-021-03830-4},
  timestamp    = {Sat, 30 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/tjs/ShamsabadiC22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/codit/SinghSM22,
  author       = {Manohar S. Singh and
                  A. Seetharaman and
                  Koilakuntla Maddulety},
  title        = {Customer Acceptance of Digital Payment Systems},
  booktitle    = {8th International Conference on Control, Decision and Information
                  Technologies, CoDIT 2022, Istanbul, Turkey, May 17-20, 2022},
  pages        = {1368--1374},
  publisher    = {{IEEE}},
  year         = {2022},
  url          = {https://doi.org/10.1109/CoDIT55151.2022.9803975},
  doi          = {10.1109/CODIT55151.2022.9803975},
  timestamp    = {Tue, 16 May 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/codit/SinghSM22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/hicss/Hamm22,
  author       = {Peter Hamm},
  title        = {Acceptance Factors for Cryptocurrencies as Payment Systems},
  booktitle    = {55th Hawaii International Conference on System Sciences, {HICSS} 2022,
                  Virtual Event / Maui, Hawaii, USA, January 4-7, 2022},
  pages        = {1--9},
  publisher    = {ScholarSpace},
  year         = {2022},
  url          = {http://hdl.handle.net/10125/80069},
  timestamp    = {Wed, 11 May 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/hicss/Hamm22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icacis/SurpamS22,
  author       = {Neha Surpam and
                  Apeksha Sakhare},
  editor       = {Rabindra Nath Shaw and
                  Marcin Paprzycki and
                  Ankush Ghosh},
  title        = {Data Analysis on {ERP} System of Easy-Pay Payment Services},
  booktitle    = {Advanced Communication and Intelligent Systems - First International
                  Conference, {ICACIS} 2022, Virtual Event, October 20-21, 2022, Revised
                  Selected Papers},
  series       = {Communications in Computer and Information Science},
  volume       = {1749},
  pages        = {540--548},
  publisher    = {Springer},
  year         = {2022},
  url          = {https://doi.org/10.1007/978-3-031-25088-0\_48},
  doi          = {10.1007/978-3-031-25088-0\_48},
  timestamp    = {Sun, 12 Nov 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/icacis/SurpamS22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icuimc/IsmailI22,
  author       = {Sarerusaenye Ismail and
                  Shahrinaz Ismail},
  title        = {A Preliminary Study of Cashless Payment Face Recognition System Development
                  in Malaysia},
  booktitle    = {16th International Conference on Ubiquitous Information Management
                  and Communication, {IMCOM} 2022, Seoul, Korea, Republic of, January
                  3-5, 2022},
  pages        = {1--5},
  publisher    = {{IEEE}},
  year         = {2022},
  url          = {https://doi.org/10.1109/IMCOM53663.2022.9721723},
  doi          = {10.1109/IMCOM53663.2022.9721723},
  timestamp    = {Mon, 26 Jun 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/icuimc/IsmailI22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ihci/ArizaColpasHSPBM22,
  author       = {Paola Patricia Ariza{-}Colpas and
                  Guillermo Hernandez{-}Sanchez and
                  Guillermo Serrano{-}Torn{\'{e}} and
                  Marlon Alberto Pi{\~{n}}eres{-}Melo and
                  Shariq Aziz Butt and
                  Roberto Cesar Morales{-}Ortega},
  editor       = {Hakimjon Zaynidinov and
                  Madhusudan Singh and
                  Uma Shanker Tiwary and
                  Dhananjay Singh},
  title        = {Intelligent Multi-tariff Payment Collection System for Inter-Municipal
                  Buses in the Department of Atl{\'{a}}ntico - Colombia},
  booktitle    = {Intelligent Human Computer Interaction - 14th International Conference,
                  {IHCI} 2022, Tashkent, Uzbekistan, October 20-22, 2022, Revised Selected
                  Papers},
  series       = {Lecture Notes in Computer Science},
  volume       = {13741},
  pages        = {361--372},
  publisher    = {Springer},
  year         = {2022},
  url          = {https://doi.org/10.1007/978-3-031-27199-1\_36},
  doi          = {10.1007/978-3-031-27199-1\_36},
  timestamp    = {Sat, 30 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/ihci/ArizaColpasHSPBM22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ispec/LiaoTLT22,
  author       = {Yu{-}Chen Liao and
                  Raylin Tso and
                  Zi{-}Yuan Liu and
                  Yi{-}Fan Tseng},
  editor       = {Chunhua Su and
                  Dimitris Gritzalis and
                  Vincenzo Piuri},
  title        = {Blockchain-Based Confidential Payment System with Controllable Regulation},
  booktitle    = {Information Security Practice and Experience - 17th International
                  Conference, {ISPEC} 2022, Taipei, Taiwan, November 23-25, 2022, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {13620},
  pages        = {39--56},
  publisher    = {Springer},
  year         = {2022},
  url          = {https://doi.org/10.1007/978-3-031-21280-2\_3},
  doi          = {10.1007/978-3-031-21280-2\_3},
  timestamp    = {Mon, 05 Dec 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/ispec/LiaoTLT22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/istas/HerbertLowe22,
  author       = {Simone Herbert{-}Lowe},
  title        = {Payment redirection fraud - who does (and who should) bear the loss
                  in fraudulent banking transactions, and is Australia's electronic
                  banking system fit for purpose?},
  booktitle    = {{IEEE} International Symposium on Technology and Society, {ISTAS}
                  2022, Hong Kong, November 10-12, 2022},
  pages        = {1--7},
  publisher    = {{IEEE}},
  year         = {2022},
  url          = {https://doi.org/10.1109/ISTAS55053.2022.10227138},
  doi          = {10.1109/ISTAS55053.2022.10227138},
  timestamp    = {Mon, 11 Sep 2023 15:41:21 +0200},
  biburl       = {https://dblp.org/rec/conf/istas/HerbertLowe22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/new2an/Ugli22,
  author       = {Gaipov Jasur Bakhrom Ugli},
  editor       = {Yevgeni Koucheryavy and
                  Ahmed Aziz},
  title        = {The Impact of the Digitalisation of Payment Systems on the Profitability
                  of Commercial Banks},
  booktitle    = {Internet of Things, Smart Spaces, and Next Generation Networks and
                  Systems - 22nd International Conference, {NEW2AN} 2022, Tashkent,
                  Uzbekistan, December 15-16, 2022, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {13772},
  pages        = {345--355},
  publisher    = {Springer},
  year         = {2022},
  url          = {https://doi.org/10.1007/978-3-031-30258-9\_29},
  doi          = {10.1007/978-3-031-30258-9\_29},
  timestamp    = {Sat, 22 Apr 2023 17:02:08 +0200},
  biburl       = {https://dblp.org/rec/conf/new2an/Ugli22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/nordichi/FroehlichVA022,
  author       = {Michael Fr{\"{o}}hlich and
                  Jose Adrian Vega Vermehren and
                  Florian Alt and
                  Albrecht Schmidt},
  title        = {Implementation and Evaluation of a Point-Of-Sale Payment System Using
                  Bitcoin Lightning},
  booktitle    = {NordiCHI '22: Nordic Human-Computer Interaction Conference, Aarhus,
                  Denmark, October 8 - 12, 2022},
  pages        = {16:1--16:12},
  publisher    = {{ACM}},
  year         = {2022},
  url          = {https://doi.org/10.1145/3546155.3546700},
  doi          = {10.1145/3546155.3546700},
  timestamp    = {Sat, 30 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/nordichi/FroehlichVA022.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/wdag/NaorK22,
  author       = {Oded Naor and
                  Idit Keidar},
  editor       = {Christian Scheideler},
  title        = {On Payment Channels in Asynchronous Money Transfer Systems},
  booktitle    = {36th International Symposium on Distributed Computing, {DISC} 2022,
                  October 25-27, 2022, Augusta, Georgia, {USA}},
  series       = {LIPIcs},
  volume       = {246},
  pages        = {29:1--29:20},
  publisher    = {Schloss Dagstuhl - Leibniz-Zentrum f{\"{u}}r Informatik},
  year         = {2022},
  url          = {https://doi.org/10.4230/LIPIcs.DISC.2022.29},
  doi          = {10.4230/LIPICS.DISC.2022.29},
  timestamp    = {Mon, 17 Oct 2022 16:44:53 +0200},
  biburl       = {https://dblp.org/rec/conf/wdag/NaorK22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/wiopt/AbeggBN22,
  author       = {Jean{-}Philippe Abegg and
                  Quentin Bramas and
                  Thomas No{\"{e}}l},
  title        = {Secret-less secured payment system for inter-broker communications},
  booktitle    = {20th International Symposium on Modeling and Optimization in Mobile,
                  Ad hoc, and Wireless Networks, WiOpt 2022, Torino, Italy, September
                  19-23, 2022},
  pages        = {225--232},
  publisher    = {{IEEE}},
  year         = {2022},
  url          = {https://doi.org/10.23919/WiOpt56218.2022.9930579},
  doi          = {10.23919/WIOPT56218.2022.9930579},
  timestamp    = {Thu, 10 Nov 2022 21:15:09 +0100},
  biburl       = {https://dblp.org/rec/conf/wiopt/AbeggBN22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2202-06693,
  author       = {Oded Naor and
                  Idit Keidar},
  title        = {On Payment Channels in Asynchronous Money Transfer Systems},
  journal      = {CoRR},
  volume       = {abs/2202.06693},
  year         = {2022},
  url          = {https://arxiv.org/abs/2202.06693},
  eprinttype    = {arXiv},
  eprint       = {2202.06693},
  timestamp    = {Fri, 18 Feb 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2202-06693.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2204-09282,
  author       = {Christiane Kuhn and
                  Aniket Kate and
                  Thorsten Strufe},
  title        = {The Danger of Small Anonymity Sets in Privacy-Preserving Payment Systems},
  journal      = {CoRR},
  volume       = {abs/2204.09282},
  year         = {2022},
  url          = {https://doi.org/10.48550/arXiv.2204.09282},
  doi          = {10.48550/ARXIV.2204.09282},
  eprinttype    = {arXiv},
  eprint       = {2204.09282},
  timestamp    = {Mon, 25 Apr 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2204-09282.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2204-13827,
  author       = {Baocheng Wang and
                  Huapeng Li},
  title        = {{PRETRUST:} {A} Framework for Fast Payments in Blockchain System},
  journal      = {CoRR},
  volume       = {abs/2204.13827},
  year         = {2022},
  url          = {https://doi.org/10.48550/arXiv.2204.13827},
  doi          = {10.48550/ARXIV.2204.13827},
  eprinttype    = {arXiv},
  eprint       = {2204.13827},
  timestamp    = {Mon, 02 May 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2204-13827.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2207-07530,
  author       = {Geoffrey Goodell},
  title        = {Tokens and Distributed Ledgers in Digital Payment Systems},
  journal      = {CoRR},
  volume       = {abs/2207.07530},
  year         = {2022},
  url          = {https://doi.org/10.48550/arXiv.2207.07530},
  doi          = {10.48550/ARXIV.2207.07530},
  eprinttype    = {arXiv},
  eprint       = {2207.07530},
  timestamp    = {Tue, 19 Jul 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2207-07530.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2209-09580,
  author       = {Martina Camaioni and
                  Rachid Guerraoui and
                  Jovan Komatovic and
                  Matteo Monti and
                  Manuel Vidigueira},
  title        = {Carbon: An Asynchronous Voting-Based Payment System for a Client-Server
                  Architecture},
  journal      = {CoRR},
  volume       = {abs/2209.09580},
  year         = {2022},
  url          = {https://doi.org/10.48550/arXiv.2209.09580},
  doi          = {10.48550/ARXIV.2209.09580},
  eprinttype    = {arXiv},
  eprint       = {2209.09580},
  timestamp    = {Wed, 28 Sep 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2209-09580.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2209-15392,
  author       = {Christopher McMahon and
                  Donald McGillivray and
                  Ajit Desai and
                  Francisco Rivadeneyra and
                  Jean{-}Paul Lam and
                  Thomas Lo and
                  Danica Marsden and
                  Vladimir Skavysh},
  title        = {Improving the Efficiency of Payments Systems Using Quantum Computing},
  journal      = {CoRR},
  volume       = {abs/2209.15392},
  year         = {2022},
  url          = {https://doi.org/10.48550/arXiv.2209.15392},
  doi          = {10.48550/ARXIV.2209.15392},
  eprinttype    = {arXiv},
  eprint       = {2209.15392},
  timestamp    = {Thu, 06 Oct 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2209-15392.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2212-03790,
  author       = {Shlok Dubey},
  title        = {Blockchain-based Payment Systems: {A} Bibliometric {\&} Network
                  Analysis},
  journal      = {CoRR},
  volume       = {abs/2212.03790},
  year         = {2022},
  url          = {https://doi.org/10.48550/arXiv.2212.03790},
  doi          = {10.48550/ARXIV.2212.03790},
  eprinttype    = {arXiv},
  eprint       = {2212.03790},
  timestamp    = {Mon, 02 Jan 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2212-03790.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2212-12307,
  author       = {Williams Haruna and
                  Toyin Ajiboro Aremu and
                  Yetunde Ajao Modupe},
  title        = {Defending against cybersecurity threats to the payments and banking
                  system},
  journal      = {CoRR},
  volume       = {abs/2212.12307},
  year         = {2022},
  url          = {https://doi.org/10.48550/arXiv.2212.12307},
  doi          = {10.48550/ARXIV.2212.12307},
  eprinttype    = {arXiv},
  eprint       = {2212.12307},
  timestamp    = {Wed, 04 Jan 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2212-12307.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/iacr/LovejoyFVFUKBN22,
  author       = {James Lovejoy and
                  Cory Fields and
                  Madars Virza and
                  Tyler Frederick and
                  David Urness and
                  Kevin Karwaski and
                  Anders Brownworth and
                  Neha Narula},
  title        = {A High Performance Payment Processing System Designed for Central
                  Bank Digital Currencies},
  journal      = {{IACR} Cryptol. ePrint Arch.},
  pages        = {163},
  year         = {2022},
  url          = {https://eprint.iacr.org/2022/163},
  timestamp    = {Tue, 22 Mar 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/iacr/LovejoyFVFUKBN22.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/access/AhmedRJKGJK21,
  author       = {Waqas Ahmed and
                  Aamir Rasool and
                  Abdul Rehman Javed and
                  Neeraj Kumar and
                  Thippa Reddy Gadekallu and
                  Zunera Jalil and
                  Natalia Kryvinska},
  title        = {Security in Next Generation Mobile Payment Systems: {A} Comprehensive
                  Survey},
  journal      = {{IEEE} Access},
  volume       = {9},
  pages        = {115932--115950},
  year         = {2021},
  url          = {https://doi.org/10.1109/ACCESS.2021.3105450},
  doi          = {10.1109/ACCESS.2021.3105450},
  timestamp    = {Wed, 01 Sep 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/access/AhmedRJKGJK21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/access/ZhouHZC21,
  author       = {Yukun Zhou and
                  Baidong Hu and
                  Yitao Zhang and
                  Weiming Cai},
  title        = {Implementation of Cryptographic Algorithm in Dynamic {QR} Code Payment
                  System and Its Performance},
  journal      = {{IEEE} Access},
  volume       = {9},
  pages        = {122362--122372},
  year         = {2021},
  url          = {https://doi.org/10.1109/ACCESS.2021.3108189},
  doi          = {10.1109/ACCESS.2021.3108189},
  timestamp    = {Mon, 28 Aug 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/access/ZhouHZC21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/behaviourIT/Lara-RubioRL21,
  author       = {Juan Lara{-}Rubio and
                  Angel Francisco Villarejo Ramos and
                  Francisco J. Li{\'{e}}bana{-}Cabanillas},
  title        = {Explanatory and predictive model of the adoption of {P2P} payment
                  systems},
  journal      = {Behav. Inf. Technol.},
  volume       = {40},
  number       = {6},
  pages        = {528--541},
  year         = {2021},
  url          = {https://doi.org/10.1080/0144929X.2019.1706637},
  doi          = {10.1080/0144929X.2019.1706637},
  timestamp    = {Thu, 29 Jul 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/behaviourIT/Lara-RubioRL21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijebr/Al-DmourABA21,
  author       = {Ahmed Al{-}Dmour and
                  Hani H. Al{-}Dmour and
                  Rawan Brghuthi and
                  Rand H. Al{-}Dmour},
  title        = {Technology Acceptance Dynamics and Adoption of E-Payment Systems:
                  Empirical Evidence From Jordan},
  journal      = {Int. J. {E} Bus. Res.},
  volume       = {17},
  number       = {2},
  pages        = {61--80},
  year         = {2021},
  url          = {https://doi.org/10.4018/ijebr.2021040104},
  doi          = {10.4018/IJEBR.2021040104},
  timestamp    = {Sat, 16 Mar 2024 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijebr/Al-DmourABA21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijisss/MensahZCZL21,
  author       = {Isaac Kofi Mensah and
                  Guohua Zeng and
                  Luo Chuanyong and
                  Xiao Zhi{-}wu and
                  Mengqiu Lu},
  title        = {Factors Predicting the Behavioral Adoption of Electronic Payment System
                  {(EPS)}},
  journal      = {Int. J. Inf. Syst. Serv. Sect.},
  volume       = {13},
  number       = {1},
  pages        = {88--104},
  year         = {2021},
  url          = {https://doi.org/10.4018/IJISSS.2021010105},
  doi          = {10.4018/IJISSS.2021010105},
  timestamp    = {Mon, 03 Jan 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijisss/MensahZCZL21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijitcc/MatovuME21,
  author       = {Job Matovu and
                  Drake Patrick Mirembe and
                  Odongo Steven Eyobu},
  title        = {Evolution of mobile payment systems and level of security awareness
                  among mobile money users in Uganda},
  journal      = {Int. J. Inf. Technol. Commun. Convergence},
  volume       = {4},
  number       = {1},
  pages        = {73--94},
  year         = {2021},
  url          = {https://doi.org/10.1504/IJITCC.2021.119112},
  doi          = {10.1504/IJITCC.2021.119112},
  timestamp    = {Wed, 08 Dec 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijitcc/MatovuME21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijon/ZhouYLSTD21,
  author       = {Yadong Zhou and
                  Tianyi Yue and
                  Xiaoming Liu and
                  Chao Shen and
                  Lingling Tong and
                  Zhihao Ding},
  title        = {\emph{Payment-Guard}: Detecting fraudulent in-app purchases in iOS
                  system},
  journal      = {Neurocomputing},
  volume       = {422},
  pages        = {263--276},
  year         = {2021},
  url          = {https://doi.org/10.1016/j.neucom.2020.10.007},
  doi          = {10.1016/J.NEUCOM.2020.10.007},
  timestamp    = {Mon, 23 Nov 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijon/ZhouYLSTD21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijwis/Lisana21,
  author       = {Lisana},
  title        = {Factors influencing the adoption of mobile payment systems in Indonesia},
  journal      = {Int. J. Web Inf. Syst.},
  volume       = {17},
  number       = {3},
  year         = {2021},
  url          = {https://doi.org/10.1108/IJWIS-01-2021-0004},
  doi          = {10.1108/IJWIS-01-2021-0004},
  timestamp    = {Mon, 06 Sep 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijwis/Lisana21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/irmj/JiangABSM21,
  author       = {Yun Jiang and
                  Hassan Ahmad and
                  Asad Hassan Butt and
                  Muhammad Nouman Shafique and
                  Sher Muhammad},
  title        = {{QR} Digital Payment System Adoption by Retailers: The Moderating
                  Role of {COVID-19} Knowledge},
  journal      = {Inf. Resour. Manag. J.},
  volume       = {34},
  number       = {3},
  pages        = {41--63},
  year         = {2021},
  url          = {https://doi.org/10.4018/IRMJ.2021070103},
  doi          = {10.4018/IRMJ.2021070103},
  timestamp    = {Wed, 18 May 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/irmj/JiangABSM21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jksucis/DanielRS21,
  author       = {Renu Mary Daniel and
                  Elijah Blessing Rajsingh and
                  Salaja Silas},
  title        = {A forward secure signcryption scheme with ciphertext authentication
                  for e-payment systems using conic curve cryptography},
  journal      = {J. King Saud Univ. Comput. Inf. Sci.},
  volume       = {33},
  number       = {1},
  pages        = {86--98},
  year         = {2021},
  url          = {https://doi.org/10.1016/j.jksuci.2018.02.004},
  doi          = {10.1016/J.JKSUCI.2018.02.004},
  timestamp    = {Fri, 14 May 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jksucis/DanielRS21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/joeuc/GuptaN21,
  author       = {Brij B. Gupta and
                  Shaifali Narayan},
  title        = {A Key-Based Mutual Authentication Framework for Mobile Contactless
                  Payment System Using Authentication Server},
  journal      = {J. Organ. End User Comput.},
  volume       = {33},
  number       = {2},
  pages        = {1--16},
  year         = {2021},
  url          = {https://doi.org/10.4018/joeuc.20210301.oa1},
  doi          = {10.4018/JOEUC.20210301.OA1},
  timestamp    = {Sun, 02 Oct 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/joeuc/GuptaN21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jtaer/FanZRD21,
  author       = {Liu Fan and
                  Xiaoping Zhang and
                  Laxmisha Rai and
                  Yuanwei Du},
  title        = {Mobile Payment: The Next Frontier of Payment Systems? - an Empirical
                  Study Based on Push-Pull-Mooring Framework},
  journal      = {J. Theor. Appl. Electron. Commer. Res.},
  volume       = {16},
  number       = {2},
  pages        = {179--193},
  year         = {2021},
  url          = {https://doi.org/10.4067/s0718-18762021000200112},
  doi          = {10.4067/S0718-18762021000200112},
  timestamp    = {Thu, 14 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jtaer/FanZRD21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/kybernetes/MashudWSL21,
  author       = {Abu Hashan Md Mashud and
                  Hui{-}Ming Wee and
                  Biswajit Sarkar and
                  Yu{-}Hua Chiang Li},
  title        = {A sustainable inventory system with the advanced payment policy and
                  trade-credit strategy for a two-warehouse inventory system},
  journal      = {Kybernetes},
  volume       = {50},
  number       = {5},
  pages        = {1321--1348},
  year         = {2021},
  url          = {https://doi.org/10.1108/K-01-2020-0052},
  doi          = {10.1108/K-01-2020-0052},
  timestamp    = {Thu, 14 Oct 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/kybernetes/MashudWSL21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/mis/HuoL21,
  author       = {Hong Huo and
                  Quanxi Li},
  title        = {Continuous Use Behavior of Knowledge Payment Platform Based on Edge
                  Computing under Mobile Information System},
  journal      = {Mob. Inf. Syst.},
  volume       = {2021},
  pages        = {4088184:1--4088184:12},
  year         = {2021},
  url          = {https://doi.org/10.1155/2021/4088184},
  doi          = {10.1155/2021/4088184},
  timestamp    = {Mon, 14 Feb 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/mis/HuoL21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/or/JabbarzadehAY21,
  author       = {Armin Jabbarzadeh and
                  Leyla Aliabadi and
                  Reza Yazdanparast},
  title        = {Optimal payment time and replenishment decisions for retailer's inventory
                  system under trade credit and carbon emission constraints},
  journal      = {Oper. Res.},
  volume       = {21},
  number       = {1},
  pages        = {589--620},
  year         = {2021},
  url          = {https://doi.org/10.1007/s12351-019-00457-5},
  doi          = {10.1007/S12351-019-00457-5},
  timestamp    = {Mon, 26 Jun 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/or/JabbarzadehAY21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/rairo/MondalGR21,
  author       = {Bappa Mondal and
                  Arindam Garai and
                  Tapan Kumar Roy},
  title        = {Optimization of generalized order-level inventory system under fully
                  permissible delay in payment},
  journal      = {{RAIRO} Oper. Res.},
  volume       = {55},
  number       = {Supplement},
  pages        = {S195--S224},
  year         = {2021},
  url          = {https://doi.org/10.1051/ro/2019079},
  doi          = {10.1051/RO/2019079},
  timestamp    = {Wed, 03 Nov 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/rairo/MondalGR21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/scn/HagaO21,
  author       = {Shinya Haga and
                  Kazumasa Omote},
  title        = {IoT-Based Autonomous Pay-As-You-Go Payment System with the Contract
                  Wallet},
  journal      = {Secur. Commun. Networks},
  volume       = {2021},
  pages        = {8937448:1--8937448:10},
  year         = {2021},
  url          = {https://doi.org/10.1155/2021/8937448},
  doi          = {10.1155/2021/8937448},
  timestamp    = {Mon, 25 Oct 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/scn/HagaO21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/software/GloorMZPZ21,
  author       = {Martin Gloor and
                  Matija Mazalin and
                  Adrian Zimmermann},
  title        = {Automated Payment Terminal Testing: How to Achieve Continuous Integration
                  for Systems That Are Almost Impossible to Virtualize},
  journal      = {{IEEE} Softw.},
  volume       = {38},
  number       = {6},
  pages        = {17--23},
  year         = {2021},
  url          = {https://doi.org/10.1109/MS.2021.3094955},
  doi          = {10.1109/MS.2021.3094955},
  timestamp    = {Wed, 23 Mar 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/software/GloorMZPZ21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/tcns/VarmaM21,
  author       = {Sushil Mahavir Varma and
                  Siva Theja Maguluri},
  title        = {Throughput Optimal Routing in Blockchain-Based Payment Systems},
  journal      = {{IEEE} Trans. Control. Netw. Syst.},
  volume       = {8},
  number       = {4},
  pages        = {1859--1868},
  year         = {2021},
  url          = {https://doi.org/10.1109/TCNS.2021.3088799},
  doi          = {10.1109/TCNS.2021.3088799},
  timestamp    = {Sat, 08 Jan 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/tcns/VarmaM21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/wpc/VishwakarmaTV21,
  author       = {Pinki Prakash Vishwakarma and
                  Amiya Kumar Tripathy and
                  Srikanth Vemuru},
  title        = {Cryptanalysis of Near Field Communication Based Authentication Protocol
                  for Mobile Payment System},
  journal      = {Wirel. Pers. Commun.},
  volume       = {121},
  number       = {1},
  pages        = {963--983},
  year         = {2021},
  url          = {https://doi.org/10.1007/s11277-021-08667-x},
  doi          = {10.1007/S11277-021-08667-X},
  timestamp    = {Sat, 30 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/wpc/VishwakarmaTV21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/acns/ChatzigiannisBC21,
  author       = {Panagiotis Chatzigiannis and
                  Foteini Baldimtsi and
                  Konstantinos Chalkias},
  editor       = {Kazue Sako and
                  Nils Ole Tippenhauer},
  title        = {SoK: Auditability and Accountability in Distributed Payment Systems},
  booktitle    = {Applied Cryptography and Network Security - 19th International Conference,
                  {ACNS} 2021, Kamakura, Japan, June 21-24, 2021, Proceedings, Part
                  {II}},
  series       = {Lecture Notes in Computer Science},
  volume       = {12727},
  pages        = {311--337},
  publisher    = {Springer},
  year         = {2021},
  url          = {https://doi.org/10.1007/978-3-030-78375-4\_13},
  doi          = {10.1007/978-3-030-78375-4\_13},
  timestamp    = {Thu, 10 Jun 2021 16:38:04 +0200},
  biburl       = {https://dblp.org/rec/conf/acns/ChatzigiannisBC21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/amia/DykesCLPBLSSTB21,
  author       = {Patricia C. Dykes and
                  Mica R. Curtin{-}Bowen and
                  Troy Li and
                  Avery Pullman and
                  Alexandra C. Businger and
                  Stuart R. Lipsitz and
                  Ania Syrowatka and
                  Michael Sainlaire and
                  Tien Thai and
                  David W. Bates},
  title        = {Development of four electronic clinical quality measures (eCQMs) for
                  use in the Merit-based Incentive Payment System {(MIPS)} following
                  elective primary total hip and knee arthroplasty},
  booktitle    = {{AMIA} 2021, American Medical Informatics Association Annual Symposium,
                  San Diego, CA, USA, October 30, 2021 - November 3, 2021},
  publisher    = {{AMIA}},
  year         = {2021},
  url          = {https://knowledge.amia.org/74229-amia-1.4622266/t003-1.4626466/t003-1.4626467/3570117-1.4626741/3577317-1.4626738},
  timestamp    = {Wed, 17 Apr 2024 11:46:53 +0200},
  biburl       = {https://dblp.org/rec/conf/amia/DykesCLPBLSSTB21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/bigdataconf/BygariGRBS21,
  author       = {Ramya Bygari and
                  Aayush Gupta and
                  Shashwat Raghuvanshi and
                  Aakanksha Bapna and
                  Birendra Sahu},
  editor       = {Yixin Chen and
                  Heiko Ludwig and
                  Yicheng Tu and
                  Usama M. Fayyad and
                  Xingquan Zhu and
                  Xiaohua Hu and
                  Suren Byna and
                  Xiong Liu and
                  Jianping Zhang and
                  Shirui Pan and
                  Vagelis Papalexakis and
                  Jianwu Wang and
                  Alfredo Cuzzocrea and
                  Carlos Ordonez},
  title        = {An AI-powered Smart Routing Solution for Payment Systems},
  booktitle    = {2021 {IEEE} International Conference on Big Data (Big Data), Orlando,
                  FL, USA, December 15-18, 2021},
  pages        = {2026--2033},
  publisher    = {{IEEE}},
  year         = {2021},
  url          = {https://doi.org/10.1109/BigData52589.2021.9671961},
  doi          = {10.1109/BIGDATA52589.2021.9671961},
  timestamp    = {Fri, 13 Jan 2023 17:06:49 +0100},
  biburl       = {https://dblp.org/rec/conf/bigdataconf/BygariGRBS21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/bis/DostovSK21,
  author       = {Victor Dostov and
                  Pavel Shust and
                  Svetlana Krivoruchko},
  editor       = {Witold Abramowicz and
                  S{\"{o}}ren Auer and
                  Milena Str{\'{o}}zyna},
  title        = {Fast Payment Systems Dynamics: Lessons from Diffusion of Innovation
                  Models},
  booktitle    = {Business Information Systems Workshops - {BIS} 2021 International
                  Workshops, Virtual Event, June 14-17, 2021, Revised Selected Papers},
  series       = {Lecture Notes in Business Information Processing},
  volume       = {444},
  pages        = {359--370},
  publisher    = {Springer},
  year         = {2021},
  url          = {https://doi.org/10.1007/978-3-031-04216-4\_31},
  doi          = {10.1007/978-3-031-04216-4\_31},
  timestamp    = {Wed, 27 Apr 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/bis/DostovSK21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/cciot/LopezCEP21,
  author       = {Jimy Anderson Tocas Lopez and
                  Robert Ch{\'{a}}vez{-}Raraz and
                  Neder Steve Jauregui Espinoza and
                  Jaime Antonio Huaytalla Pariona},
  title        = {Design of a Payment System in Private Transportation to Prevent Covid-19
                  Contagion - Huancayo},
  booktitle    = {{CCIOT} 2021: 6th International Conference on Cloud Computing and
                  Internet of Things, Okinawa, Japan, September 22 - 24, 2021},
  pages        = {36--40},
  publisher    = {{ACM}},
  year         = {2021},
  url          = {https://doi.org/10.1145/3493287.3493293},
  doi          = {10.1145/3493287.3493293},
  timestamp    = {Sun, 12 Feb 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/cciot/LopezCEP21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/crc2/HassanS21,
  author       = {Md Arif Hassan and
                  Zarina Shukur},
  title        = {A Secure Multi Factor User Authentication Framework for Electronic
                  Payment System},
  booktitle    = {3rd International Cyber Resilience Conference, {CRC} 2021, Langkawi
                  Island, Malaysia, January 29-31, 2021},
  pages        = {1--6},
  publisher    = {{IEEE}},
  year         = {2021},
  url          = {https://doi.org/10.1109/CRC50527.2021.9392564},
  doi          = {10.1109/CRC50527.2021.9392564},
  timestamp    = {Wed, 21 Apr 2021 13:08:07 +0200},
  biburl       = {https://dblp.org/rec/conf/crc2/HassanS21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/hci/MaYC21,
  author       = {Wei{-}Ming Ma and
                  Yu{-}Chen Yang and
                  William S. Chao},
  editor       = {Fiona Fui{-}Hoon Nah and
                  Keng Siau},
  title        = {Structure-Behavior Coalescence Method for Mobile Payment FinTech Service
                  Systems Design},
  booktitle    = {{HCI} in Business, Government and Organizations - 8th International
                  Conference, {HCIBGO} 2021, Held as Part of the 23rd {HCI} International
                  Conference, {HCII} 2021, Virtual Event, July 24-29, 2021, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {12783},
  pages        = {228--241},
  publisher    = {Springer},
  year         = {2021},
  url          = {https://doi.org/10.1007/978-3-030-77750-0\_15},
  doi          = {10.1007/978-3-030-77750-0\_15},
  timestamp    = {Fri, 16 Jul 2021 14:31:49 +0200},
  biburl       = {https://dblp.org/rec/conf/hci/MaYC21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icc/AhmedMOAV21,
  author       = {Mohammad Rasheed Ahmed and
                  Kandala Meenakshi and
                  Mohammad S. Obaidat and
                  Ruhul Amin and
                  Pandi Vijayakumar},
  title        = {Blockchain Based Architecture and Solution for Secure Digital Payment
                  System},
  booktitle    = {{ICC} 2021 - {IEEE} International Conference on Communications, Montreal,
                  QC, Canada, June 14-23, 2021},
  pages        = {1--6},
  publisher    = {{IEEE}},
  year         = {2021},
  url          = {https://doi.org/10.1109/ICC42927.2021.9500526},
  doi          = {10.1109/ICC42927.2021.9500526},
  timestamp    = {Fri, 12 Jan 2024 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/icc/AhmedMOAV21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icict/KamenevA21,
  author       = {Ivan G. Kamenev and
                  Daria A. Andrianova},
  editor       = {Xin{-}She Yang and
                  Simon Sherratt and
                  Nilanjan Dey and
                  Amit Joshi},
  title        = {Metric Analysis of Big Data of Payment System Based on Kolmogorov-Shannon
                  Coding Methods},
  booktitle    = {Proceedings of Sixth International Congress on Information and Communication
                  Technology - {ICICT} 2021, London, Volume 3},
  series       = {Lecture Notes in Networks and Systems},
  volume       = {216},
  pages        = {743--756},
  publisher    = {Springer},
  year         = {2021},
  url          = {https://doi.org/10.1007/978-981-16-1781-2\_65},
  doi          = {10.1007/978-981-16-1781-2\_65},
  timestamp    = {Wed, 04 May 2022 17:52:23 +0200},
  biburl       = {https://dblp.org/rec/conf/icict/KamenevA21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iciscae/ZhuM21,
  author       = {Duobin Zhu and
                  Yajie Ma},
  title        = {Design of a High Concurrency Payment System in Bank},
  booktitle    = {{ICISCAE} 2021: 4th International Conference on Information Systems
                  and Computer Aided Education, Dalian, China, September 24 - 26, 2021},
  pages        = {2163--2168},
  publisher    = {{ACM}},
  year         = {2021},
  url          = {https://doi.org/10.1145/3482632.3484120},
  doi          = {10.1145/3482632.3484120},
  timestamp    = {Thu, 02 Dec 2021 14:37:44 +0100},
  biburl       = {https://dblp.org/rec/conf/iciscae/ZhuM21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icmla/KumarVKD21,
  author       = {Nishant Kumar and
                  Siddharth Vimal and
                  Kanishka Kayathwal and
                  Gaurav Dhama},
  editor       = {M. Arif Wani and
                  Ishwar K. Sethi and
                  Weisong Shi and
                  Guangzhi Qu and
                  Daniela Stan Raicu and
                  Ruoming Jin},
  title        = {Evolutionary Adversarial Attacks on Payment Systems},
  booktitle    = {20th {IEEE} International Conference on Machine Learning and Applications,
                  {ICMLA} 2021, Pasadena, CA, USA, December 13-16, 2021},
  pages        = {813--818},
  publisher    = {{IEEE}},
  year         = {2021},
  url          = {https://doi.org/10.1109/ICMLA52953.2021.00134},
  doi          = {10.1109/ICMLA52953.2021.00134},
  timestamp    = {Tue, 01 Feb 2022 17:24:07 +0100},
  biburl       = {https://dblp.org/rec/conf/icmla/KumarVKD21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/incdm/LiTXLYLCC21,
  author       = {Yiming Li and
                  Da Sun Handason Tam and
                  Siyue Xie and
                  Xiaxin Liu and
                  Qiufang Ying and
                  Wing Cheong Lau and
                  Dah Ming Chiu and
                  Shou Zhi Chen},
  title        = {Temporal Graph Representation Learning for Detecting Anomalies in
                  E-payment Systems},
  booktitle    = {2021 International Conference on Data Mining, {ICDM} 2021 - Workshops,
                  Auckland, New Zealand, December 7-10, 2021},
  pages        = {983--990},
  publisher    = {{IEEE}},
  year         = {2021},
  url          = {https://doi.org/10.1109/ICDMW53433.2021.00128},
  doi          = {10.1109/ICDMW53433.2021.00128},
  timestamp    = {Mon, 26 Jun 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/incdm/LiTXLYLCC21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/latincom/NjebiuKR21,
  author       = {Victor Njebiu and
                  Michael W. Kimwele and
                  Richard Rimiru},
  editor       = {Ramiro Vel{\'{a}}zquez},
  title        = {Secure Contactless Mobile Payment System},
  booktitle    = {{IEEE} Latin-American Conference on Communications, {LATINCOM} 2021,
                  Santo Domingo, Dominican Republic, November 17-19, 2021},
  pages        = {1--6},
  publisher    = {{IEEE}},
  year         = {2021},
  url          = {https://doi.org/10.1109/LATINCOM53176.2021.9647831},
  doi          = {10.1109/LATINCOM53176.2021.9647831},
  timestamp    = {Wed, 16 Mar 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/latincom/NjebiuKR21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/mtits/BariKD21,
  author       = {Chintaman Santosh Bari and
                  Akash Kumawat and
                  Ashish Dhamaniya},
  title        = {Effectiveness of FASTag System for Toll Payment in India},
  booktitle    = {7th International Conference on Models and Technologies for Intelligent
                  Transportation Systems, {MT-ITS} 2021, Heraklion, Greece, June 16-17,
                  2021},
  pages        = {1--6},
  publisher    = {{IEEE}},
  year         = {2021},
  url          = {https://doi.org/10.1109/MT-ITS49943.2021.9529291},
  doi          = {10.1109/MT-ITS49943.2021.9529291},
  timestamp    = {Tue, 21 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/mtits/BariKD21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/securecomm/IvanovY21,
  author       = {Nikolay Ivanov and
                  Qiben Yan},
  editor       = {Joaqu{\'{\i}}n Garc{\'{\i}}a{-}Alfaro and
                  Shujun Li and
                  Radha Poovendran and
                  Herv{\'{e}} Debar and
                  Moti Yung},
  title        = {System-Wide Security for Offline Payment Terminals},
  booktitle    = {Security and Privacy in Communication Networks - 17th {EAI} International
                  Conference, SecureComm 2021, Virtual Event, September 6-9, 2021, Proceedings,
                  Part {II}},
  series       = {Lecture Notes of the Institute for Computer Sciences, Social Informatics
                  and Telecommunications Engineering},
  volume       = {399},
  pages        = {99--119},
  publisher    = {Springer},
  year         = {2021},
  url          = {https://doi.org/10.1007/978-3-030-90022-9\_6},
  doi          = {10.1007/978-3-030-90022-9\_6},
  timestamp    = {Tue, 23 Nov 2021 14:40:29 +0100},
  biburl       = {https://dblp.org/rec/conf/securecomm/IvanovY21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/sp/DinVLWLK21,
  author       = {Zain ul Abi Din and
                  Hari Venugopalan and
                  Henry Lin and
                  Adam Wushensky and
                  Steven Liu and
                  Samuel T. King},
  title        = {Doing good by fighting fraud: Ethical anti-fraud systems for mobile
                  payments},
  booktitle    = {42nd {IEEE} Symposium on Security and Privacy, {SP} 2021, San Francisco,
                  CA, USA, 24-27 May 2021},
  pages        = {1623--1640},
  publisher    = {{IEEE}},
  year         = {2021},
  url          = {https://doi.org/10.1109/SP40001.2021.00100},
  doi          = {10.1109/SP40001.2021.00100},
  timestamp    = {Thu, 21 Sep 2023 15:57:26 +0200},
  biburl       = {https://dblp.org/rec/conf/sp/DinVLWLK21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/uemcom/SmadiAA21,
  author       = {Baker Al Smadi and
                  Ali Abdullah S. AlQahtani and
                  Hosam Alamleh},
  title        = {Secure and Fraud Proof Online Payment System for Credit Cards},
  booktitle    = {12th {IEEE} Annual Ubiquitous Computing, Electronics {\&} Mobile
                  Communication Conference, {UEMCON} 2021, New York, NY, USA, December
                  1-4, 2021},
  pages        = {264--268},
  publisher    = {{IEEE}},
  year         = {2021},
  url          = {https://doi.org/10.1109/UEMCON53757.2021.9666549},
  doi          = {10.1109/UEMCON53757.2021.9666549},
  timestamp    = {Sat, 30 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/uemcom/SmadiAA21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/uss/LouYZ21,
  author       = {Jiadong Lou and
                  Xu Yuan and
                  Ning Zhang},
  editor       = {Michael D. Bailey and
                  Rachel Greenstadt},
  title        = {Messy States of Wiring: Vulnerabilities in Emerging Personal Payment
                  Systems},
  booktitle    = {30th {USENIX} Security Symposium, {USENIX} Security 2021, August 11-13,
                  2021},
  pages        = {3273--3289},
  publisher    = {{USENIX} Association},
  year         = {2021},
  url          = {https://www.usenix.org/conference/usenixsecurity21/presentation/lou},
  timestamp    = {Mon, 20 Nov 2023 08:57:49 +0100},
  biburl       = {https://dblp.org/rec/conf/uss/LouYZ21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2101-10621,
  author       = {Ningchen Ying and
                  Tsz Wai Wu},
  title        = {xLumi: Payment Channel Protocol and Off-chain Payment in Blockchain
                  Contract Systems},
  journal      = {CoRR},
  volume       = {abs/2101.10621},
  year         = {2021},
  url          = {https://arxiv.org/abs/2101.10621},
  eprinttype    = {arXiv},
  eprint       = {2101.10621},
  timestamp    = {Sun, 31 Jan 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2101-10621.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2104-10480,
  author       = {Ye Wang and
                  Yu Chen and
                  Shenyi Wang and
                  Chenhang Zhou and
                  Xiaochen Zheng and
                  Roger Wattenhofer},
  title        = {Print Your Own Money: {A} Cash-Like Experience for Digital Payment
                  Systems},
  journal      = {CoRR},
  volume       = {abs/2104.10480},
  year         = {2021},
  url          = {https://arxiv.org/abs/2104.10480},
  eprinttype    = {arXiv},
  eprint       = {2104.10480},
  timestamp    = {Mon, 26 Apr 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2104-10480.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2105-11821,
  author       = {Thomas Orton},
  title        = {Payment Does Not Imply Consensus (For Distributed Payment Systems)},
  journal      = {CoRR},
  volume       = {abs/2105.11821},
  year         = {2021},
  url          = {https://arxiv.org/abs/2105.11821},
  eprinttype    = {arXiv},
  eprint       = {2105.11821},
  timestamp    = {Tue, 01 Jun 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2105-11821.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2105-12097,
  author       = {Waqas Ahmed and
                  Amir Rasool and
                  Jamel Nebhen and
                  Neeraj Kumar and
                  Faisal Shahzad and
                  Abdul Rehman Javed and
                  Thippa Reddy Gadekallu and
                  Zunera Jalil},
  title        = {Security in Next Generation Mobile Payment Systems: {A} Comprehensive
                  Survey},
  journal      = {CoRR},
  volume       = {abs/2105.12097},
  year         = {2021},
  url          = {https://arxiv.org/abs/2105.12097},
  eprinttype    = {arXiv},
  eprint       = {2105.12097},
  timestamp    = {Thu, 14 Oct 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2105-12097.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2106-14861,
  author       = {Zain ul Abi Din and
                  Hari Venugopalan and
                  Henry Lin and
                  Adam Wushensky and
                  Steven Liu and
                  Samuel T. King},
  title        = {Doing good by fighting fraud: Ethical anti-fraud systems for mobile
                  payments},
  journal      = {CoRR},
  volume       = {abs/2106.14861},
  year         = {2021},
  url          = {https://arxiv.org/abs/2106.14861},
  eprinttype    = {arXiv},
  eprint       = {2106.14861},
  timestamp    = {Wed, 30 Jun 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2106-14861.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2107-06100,
  author       = {Omer Aydin},
  title        = {Secure Charging and Payment System for Electric Land Vehicles with
                  Authentication Protocol},
  journal      = {CoRR},
  volume       = {abs/2107.06100},
  year         = {2021},
  url          = {https://arxiv.org/abs/2107.06100},
  eprinttype    = {arXiv},
  eprint       = {2107.06100},
  timestamp    = {Wed, 21 Jul 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2107-06100.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2107-08490,
  author       = {Nikolay Ivanov and
                  Qiben Yan},
  title        = {System-Wide Security for Offline Payment Terminals},
  journal      = {CoRR},
  volume       = {abs/2107.08490},
  year         = {2021},
  url          = {https://arxiv.org/abs/2107.08490},
  eprinttype    = {arXiv},
  eprint       = {2107.08490},
  timestamp    = {Thu, 22 Jul 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2107-08490.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2111-00783,
  author       = {Ramya Bygari and
                  Aayush Gupta and
                  Shashwat Raghuvanshi and
                  Aakanksha Bapna and
                  Birendra Sahu},
  title        = {An AI-powered Smart Routing Solution for Payment Systems},
  journal      = {CoRR},
  volume       = {abs/2111.00783},
  year         = {2021},
  url          = {https://arxiv.org/abs/2111.00783},
  eprinttype    = {arXiv},
  eprint       = {2111.00783},
  timestamp    = {Fri, 05 Nov 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2111-00783.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/iacr/ChatzigiannisBC21,
  author       = {Panagiotis Chatzigiannis and
                  Foteini Baldimtsi and
                  Konstantinos Chalkias},
  title        = {SoK: Auditability and Accountability in Distributed Payment Systems},
  journal      = {{IACR} Cryptol. ePrint Arch.},
  pages        = {239},
  year         = {2021},
  url          = {https://eprint.iacr.org/2021/239},
  timestamp    = {Wed, 07 Apr 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/iacr/ChatzigiannisBC21.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@phdthesis{DBLP:phd/tr/Sengel20,
  author       = {{\"{O}}znur Sengel},
  title        = {Mobil {\"{o}}deme sistemlerinde ki{\c{s}}isel verilerin g{\"{u}}venli
                  saklanmas{\i} i{\c{c}}in model tasar{\i}m{\i} ve performans analizi
                  (Model design and performance analysis for secure storage of personal
                  data in mobile payment systems)},
  school       = {{\.{I}}stanbul University-Cerrahpa{\c{s}}a, Turkey},
  year         = {2020},
  url          = {https://tez.yok.gov.tr/UlusalTezMerkezi/tezDetay.jsp?id=DZTXBfMw0G9XmcnP42DeiQ\&no=6yKd\_jf32-fY1WdkrgEkng},
  timestamp    = {Sun, 03 Dec 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/phd/tr/Sengel20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/access/AlghamdiAJS20,
  author       = {Turki Ali Alghamdi and
                  Ishtiaq Ali and
                  Nadeem Javaid and
                  Muhammad Shafiq},
  title        = {Secure Service Provisioning Scheme for Lightweight IoT Devices With
                  a Fair Payment System and an Incentive Mechanism Based on Blockchain},
  journal      = {{IEEE} Access},
  volume       = {8},
  pages        = {1048--1061},
  year         = {2020},
  url          = {https://doi.org/10.1109/ACCESS.2019.2961612},
  doi          = {10.1109/ACCESS.2019.2961612},
  timestamp    = {Thu, 06 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/access/AlghamdiAJS20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/access/TounektiRG20,
  author       = {Oussama Tounekti and
                  Antonio Ruiz{-}Mart{\'{\i}}nez and
                  Antonio Fernandez G{\'{o}}mez{-}Skarmeta},
  title        = {Users Supporting Multiple (Mobile) Electronic Payment Systems in Online
                  Purchases: An Empirical Study of Their Payment Transaction Preferences},
  journal      = {{IEEE} Access},
  volume       = {8},
  pages        = {735--766},
  year         = {2020},
  url          = {https://doi.org/10.1109/ACCESS.2019.2961785},
  doi          = {10.1109/ACCESS.2019.2961785},
  timestamp    = {Mon, 26 Oct 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/access/TounektiRG20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ajis/Singh20,
  author       = {Sindhu Singh},
  title        = {An integrated model combining {ECM} and {UTAUT} to explain users'
                  post-adoption behaviour towards mobile payment systems},
  journal      = {Australas. J. Inf. Syst.},
  volume       = {24},
  year         = {2020},
  url          = {https://doi.org/10.3127/ajis.v24i0.2695},
  doi          = {10.3127/AJIS.V24I0.2695},
  timestamp    = {Mon, 05 Feb 2024 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ajis/Singh20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/anor/KhanSPBK20,
  author       = {Md. Al{-}Amin Khan and
                  Ali Akbar Shaikh and
                  Gobinda Chandra Panda and
                  Asoke Kumar Bhunia and
                  Ioannis Konstantaras},
  title        = {Non-instantaneous deterioration effect in ordering decisions for a
                  two-warehouse inventory system under advance payment and backlogging},
  journal      = {Ann. Oper. Res.},
  volume       = {289},
  number       = {2},
  pages        = {243--275},
  year         = {2020},
  url          = {https://doi.org/10.1007/s10479-020-03568-x},
  doi          = {10.1007/S10479-020-03568-X},
  timestamp    = {Wed, 07 Dec 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/anor/KhanSPBK20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/asc/MaoZWX20,
  author       = {Shuhua Mao and
                  Min Zhu and
                  Xianpeng Wang and
                  Xinping Xiao},
  title        = {Grey-Lotka-Volterra model for the competition and cooperation between
                  third-party online payment systems and online banking in China},
  journal      = {Appl. Soft Comput.},
  volume       = {95},
  pages        = {106501},
  year         = {2020},
  url          = {https://doi.org/10.1016/j.asoc.2020.106501},
  doi          = {10.1016/J.ASOC.2020.106501},
  timestamp    = {Mon, 22 May 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/asc/MaoZWX20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/compsec/AkanfeVR20,
  author       = {Oluwafemi Akanfe and
                  Rohit Valecha and
                  H. Raghav Rao},
  title        = {Assessing country-level privacy risk for digital payment systems},
  journal      = {Comput. Secur.},
  volume       = {99},
  pages        = {102065},
  year         = {2020},
  url          = {https://doi.org/10.1016/j.cose.2020.102065},
  doi          = {10.1016/J.COSE.2020.102065},
  timestamp    = {Mon, 28 Aug 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/compsec/AkanfeVR20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/computers/HassanSH20,
  author       = {Md Arif Hassan and
                  Zarina Shukur and
                  Mohammad Kamrul Hasan},
  title        = {An Efficient Secure Electronic Payment System for E-Commerce},
  journal      = {Comput.},
  volume       = {9},
  number       = {3},
  pages        = {66},
  year         = {2020},
  url          = {https://doi.org/10.3390/computers9030066},
  doi          = {10.3390/COMPUTERS9030066},
  timestamp    = {Thu, 14 Oct 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/computers/HassanSH20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/csse/XuHM20,
  author       = {Bing Xu and
                  Darong Huang and
                  Bo Mi},
  title        = {Research on e-commerce transaction payment system basedf on {C4.5}
                  decision tree data mining algorithm},
  journal      = {Comput. Syst. Sci. Eng.},
  volume       = {35},
  number       = {2},
  year         = {2020},
  url          = {https://doi.org/10.32604/csse.2020.35.113},
  doi          = {10.32604/CSSE.2020.35.113},
  timestamp    = {Fri, 10 Jun 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/csse/XuHM20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ecra/Verkijika20,
  author       = {Silas Formunyuy Verkijika},
  title        = {An affective response model for understanding the acceptance of mobile
                  payment systems},
  journal      = {Electron. Commer. Res. Appl.},
  volume       = {39},
  pages        = {100905},
  year         = {2020},
  url          = {https://doi.org/10.1016/j.elerap.2019.100905},
  doi          = {10.1016/J.ELERAP.2019.100905},
  timestamp    = {Mon, 26 Oct 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ecra/Verkijika20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijbis/SretenovicK20,
  author       = {Miodrag Sretenovic and
                  Bozidar Kovacic},
  title        = {Model payment order in the {SEPA} system},
  journal      = {Int. J. Bus. Inf. Syst.},
  volume       = {33},
  number       = {4},
  pages        = {531--548},
  year         = {2020},
  url          = {https://doi.org/10.1504/IJBIS.2020.105839},
  doi          = {10.1504/IJBIS.2020.105839},
  timestamp    = {Sat, 05 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijbis/SretenovicK20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijinfoman/Alkhowaiter20,
  author       = {Wassan Abdullah Alkhowaiter},
  title        = {Digital payment and banking adoption research in Gulf countries: {A}
                  systematic literature review},
  journal      = {Int. J. Inf. Manag.},
  volume       = {53},
  pages        = {102102},
  year         = {2020},
  url          = {https://doi.org/10.1016/j.ijinfomgt.2020.102102},
  doi          = {10.1016/J.IJINFOMGT.2020.102102},
  timestamp    = {Wed, 22 Jul 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijinfoman/Alkhowaiter20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/isi/ChabbiBS20,
  author       = {Samir Chabbi and
                  Rachid Boudour and
                  Fouzi Semchedine},
  title        = {A Secure Cloud Password and Secure Authentication Protocol for Electronic
                  {NFC} Payment Between {ATM} and Smartphone},
  journal      = {Ing{\'{e}}nierie des Syst{\`{e}}mes d Inf.},
  volume       = {25},
  number       = {2},
  pages        = {139--152},
  year         = {2020},
  url          = {https://doi.org/10.18280/isi.250201},
  doi          = {10.18280/ISI.250201},
  timestamp    = {Mon, 28 Aug 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/isi/ChabbiBS20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jasss/AnMYLSCXST20,
  author       = {Li An and
                  Judy Mak and
                  Shuang Yang and
                  Rebecca Lewison and
                  Douglas A. Stow and
                  Hsiang Ling Chen and
                  Weihua Xu and
                  Lei Shi and
                  Yu Hsin Tsai},
  title        = {Cascading Impacts of Payments for Ecosystem Services in Complex Human-Environment
                  Systems},
  journal      = {J. Artif. Soc. Soc. Simul.},
  volume       = {23},
  number       = {1},
  year         = {2020},
  url          = {https://doi.org/10.18564/jasss.4196},
  doi          = {10.18564/JASSS.4196},
  timestamp    = {Thu, 09 Jul 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jasss/AnMYLSCXST20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jgim/GuptaN20,
  author       = {Brij B. Gupta and
                  Shaifali Narayan},
  title        = {A Survey on Contactless Smart Cards and Payment System: Technologies,
                  Policies, Attacks and Countermeasures},
  journal      = {J. Glob. Inf. Manag.},
  volume       = {28},
  number       = {4},
  pages        = {135--159},
  year         = {2020},
  url          = {https://doi.org/10.4018/JGIM.2020100108},
  doi          = {10.4018/JGIM.2020100108},
  timestamp    = {Sun, 12 Nov 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/jgim/GuptaN20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jgim/WangSCZWSH20,
  author       = {Feng Wang and
                  Ge Bao Shan and
                  Yong Chen and
                  Xianrong Zheng and
                  Hong Wang and
                  Mingwei Sun and
                  Li Haihua},
  title        = {Identity Authentication Security Management in Mobile Payment Systems},
  journal      = {J. Glob. Inf. Manag.},
  volume       = {28},
  number       = {1},
  pages        = {189--203},
  year         = {2020},
  url          = {https://doi.org/10.4018/JGIM.2020010110},
  doi          = {10.4018/JGIM.2020010110},
  timestamp    = {Thu, 29 Apr 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jgim/WangSCZWSH20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jifs/DevarajanS20,
  author       = {Malathi Devarajan and
                  N. Sasikaladevi},
  title        = {A secured signcryption scheme for e-payment system using hyper elliptic
                  curve},
  journal      = {J. Intell. Fuzzy Syst.},
  volume       = {39},
  number       = {6},
  pages        = {8237--8247},
  year         = {2020},
  url          = {https://doi.org/10.3233/JIFS-189144},
  doi          = {10.3233/JIFS-189144},
  timestamp    = {Sun, 02 Oct 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jifs/DevarajanS20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jifs/Yang20,
  author       = {Yingfa Yang},
  title        = {Research on brush face payment system based on internet artificial
                  intelligence},
  journal      = {J. Intell. Fuzzy Syst.},
  volume       = {38},
  number       = {1},
  pages        = {21--28},
  year         = {2020},
  url          = {https://doi.org/10.3233/JIFS-179376},
  doi          = {10.3233/JIFS-179376},
  timestamp    = {Sat, 25 Apr 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jifs/Yang20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/msom/TongDS20,
  author       = {Jordan D. Tong and
                  Gregory A. DeCroix and
                  Jing{-}Sheng Song},
  title        = {Modeling Payment Timing in Multiechelon Inventory Systems with Applications
                  to Supply Chain Coordination},
  journal      = {Manuf. Serv. Oper. Manag.},
  volume       = {22},
  number       = {2},
  pages        = {346--363},
  year         = {2020},
  url          = {https://doi.org/10.1287/msom.2018.0741},
  doi          = {10.1287/MSOM.2018.0741},
  timestamp    = {Thu, 25 Aug 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/msom/TongDS20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/rairo/MannaDT20,
  author       = {Amalesh Kumar Manna and
                  Barun Das and
                  Sunil Tiwari},
  title        = {Impact of carbon emission on imperfect production inventory system
                  with advance payment base free transportation},
  journal      = {{RAIRO} Oper. Res.},
  volume       = {54},
  number       = {4},
  pages        = {1103--1117},
  year         = {2020},
  url          = {https://doi.org/10.1051/ro/2019015},
  doi          = {10.1051/RO/2019015},
  timestamp    = {Sat, 09 Apr 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/rairo/MannaDT20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/tifs/LinHHKC20,
  author       = {Chao Lin and
                  Debiao He and
                  Xinyi Huang and
                  Muhammad Khurram Khan and
                  Kim{-}Kwang Raymond Choo},
  title        = {{DCAP:} {A} Secure and Efficient Decentralized Conditional Anonymous
                  Payment System Based on Blockchain},
  journal      = {{IEEE} Trans. Inf. Forensics Secur.},
  volume       = {15},
  pages        = {2440--2452},
  year         = {2020},
  url          = {https://doi.org/10.1109/TIFS.2020.2969565},
  doi          = {10.1109/TIFS.2020.2969565},
  timestamp    = {Thu, 24 Feb 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/tifs/LinHHKC20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/aft/AndroulakiCCDET20,
  author       = {Elli Androulaki and
                  Jan Camenisch and
                  Angelo De Caro and
                  Maria Dubovitskaya and
                  Kaoutar Elkhiyaoui and
                  Bj{\"{o}}rn Tackmann},
  title        = {Privacy-preserving auditable token payments in a permissioned blockchain
                  system},
  booktitle    = {{AFT} '20: 2nd {ACM} Conference on Advances in Financial Technologies,
                  New York, NY, USA, October 21-23, 2020},
  pages        = {255--267},
  publisher    = {{ACM}},
  year         = {2020},
  url          = {https://doi.org/10.1145/3419614.3423259},
  doi          = {10.1145/3419614.3423259},
  timestamp    = {Thu, 29 Oct 2020 14:40:13 +0100},
  biburl       = {https://dblp.org/rec/conf/aft/AndroulakiCCDET20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/bis/KocherginD20,
  author       = {Dmitry Kochergin and
                  Victor Dostov},
  editor       = {Witold Abramowicz and
                  Gary Klein},
  title        = {Central Banks Digital Currency: Issuing and Integration Scenarios
                  in the Monetary and Payment System},
  booktitle    = {Business Information Systems Workshops - {BIS} 2020 International
                  Workshops, Colorado Springs, CO, USA, June 8-10, 2020, Revised Selected
                  Papers},
  series       = {Lecture Notes in Business Information Processing},
  volume       = {394},
  pages        = {111--119},
  publisher    = {Springer},
  year         = {2020},
  url          = {https://doi.org/10.1007/978-3-030-61146-0\_9},
  doi          = {10.1007/978-3-030-61146-0\_9},
  timestamp    = {Sat, 14 Nov 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/bis/KocherginD20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/blockchain/Chawdhuri20,
  author       = {Debasish Ray Chawdhuri},
  editor       = {Javier Prieto and
                  Ant{\'{o}}nio Pinto and
                  Ashok Kumar Das and
                  Stefano Ferretti},
  title        = {A Fair and Anonymous Payment System for the Onion Relays},
  booktitle    = {Blockchain and Applications - 2nd International Congress, {BLOCKCHAIN}
                  2020, L'Aquila, Italy, 17-19 June, 2020},
  series       = {Advances in Intelligent Systems and Computing},
  volume       = {1238},
  pages        = {42--51},
  publisher    = {Springer},
  year         = {2020},
  url          = {https://doi.org/10.1007/978-3-030-52535-4\_5},
  doi          = {10.1007/978-3-030-52535-4\_5},
  timestamp    = {Wed, 01 Dec 2021 08:59:04 +0100},
  biburl       = {https://dblp.org/rec/conf/blockchain/Chawdhuri20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/cerc/ZuyevaSR20,
  author       = {Lisa Zuyeva and
                  Ingo Stengel and
                  Stefanie Regier},
  editor       = {Haithem Afli and
                  Udo Bleimann and
                  Dirk Burkhardt and
                  Robert Loew and
                  Stefanie Regier and
                  Ingo Stengel and
                  Haiying Wang and
                  Huiru Jane Zheng},
  title        = {Requirements for Payment Systems in E-Commerce From the Retailers'
                  Perspective},
  booktitle    = {Proceedings of the 6th Collaborative European Research Conference
                  {(CERC} 2020), Belfast, Northern-Ireland, UK, September 10-11, 2020},
  series       = {{CEUR} Workshop Proceedings},
  volume       = {2815},
  pages        = {349--360},
  publisher    = {CEUR-WS.org},
  year         = {2020},
  url          = {https://ceur-ws.org/Vol-2815/CERC2020\_paper22.pdf},
  timestamp    = {Fri, 10 Mar 2023 16:22:15 +0100},
  biburl       = {https://dblp.org/rec/conf/cerc/ZuyevaSR20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/cvpr/ChaeCWS20,
  author       = {Yeongnam Chae and
                  Kelvin Cheng and
                  Pankaj Wasnik and
                  Bj{\"{o}}rn Stenger},
  title        = {Seamless Payment System Using Face And Low-Energy Bluetooth},
  booktitle    = {2020 {IEEE/CVF} Conference on Computer Vision and Pattern Recognition,
                  {CVPR} Workshops 2020, Seattle, WA, USA, June 14-19, 2020},
  pages        = {3557--3564},
  publisher    = {Computer Vision Foundation / {IEEE}},
  year         = {2020},
  url          = {https://openaccess.thecvf.com/content\_CVPRW\_2020/html/w48/Chae\_Seamless\_Payment\_System\_Using\_Face\_and\_Low-Energy\_Bluetooth\_CVPRW\_2020\_paper.html},
  doi          = {10.1109/CVPRW50498.2020.00416},
  timestamp    = {Thu, 02 Sep 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/cvpr/ChaeCWS20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/dgo/LeeJ20,
  author       = {Sabinne Lee and
                  Kwangho Jung},
  editor       = {Seok{-}Jin Eom and
                  Jooho Lee},
  title        = {The Impact of Changing Public Service Delivery on Inappropriate Payment
                  Error: From Analogue Paper Coupon to Digitalized Electronic Benefit
                  Transfer System},
  booktitle    = {dg.o '20: The 21st Annual International Conference on Digital Government
                  Research, Seoul, Republic of Korea, June 15-19, 2020},
  pages        = {68--81},
  publisher    = {{ACM}},
  year         = {2020},
  url          = {https://doi.org/10.1145/3396956.3398255},
  doi          = {10.1145/3396956.3398255},
  timestamp    = {Mon, 14 Jun 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/dgo/LeeJ20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/esorics/ChenMTA20,
  author       = {Yu Chen and
                  Xuecheng Ma and
                  Cong Tang and
                  Man Ho Au},
  editor       = {Liqun Chen and
                  Ninghui Li and
                  Kaitai Liang and
                  Steve A. Schneider},
  title        = {{PGC:} Decentralized Confidential Payment System with Auditability},
  booktitle    = {Computer Security - {ESORICS} 2020 - 25th European Symposium on Research
                  in Computer Security, {ESORICS} 2020, Guildford, UK, September 14-18,
                  2020, Proceedings, Part {I}},
  series       = {Lecture Notes in Computer Science},
  volume       = {12308},
  pages        = {591--610},
  publisher    = {Springer},
  year         = {2020},
  url          = {https://doi.org/10.1007/978-3-030-58951-6\_29},
  doi          = {10.1007/978-3-030-58951-6\_29},
  timestamp    = {Fri, 02 Jul 2021 20:12:27 +0200},
  biburl       = {https://dblp.org/rec/conf/esorics/ChenMTA20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/fc/CaoYCNEH20,
  author       = {Shengjiao Cao and
                  Yuan Yuan and
                  Angelo De Caro and
                  Karthik Nandakumar and
                  Kaoutar Elkhiyaoui and
                  Yanyan Hu},
  editor       = {Joseph Bonneau and
                  Nadia Heninger},
  title        = {Decentralized Privacy-Preserving Netting Protocol on Blockchain for
                  Payment Systems},
  booktitle    = {Financial Cryptography and Data Security - 24th International Conference,
                  {FC} 2020, Kota Kinabalu, Malaysia, February 10-14, 2020 Revised Selected
                  Papers},
  series       = {Lecture Notes in Computer Science},
  volume       = {12059},
  pages        = {137--155},
  publisher    = {Springer},
  year         = {2020},
  url          = {https://doi.org/10.1007/978-3-030-51280-4\_9},
  doi          = {10.1007/978-3-030-51280-4\_9},
  timestamp    = {Wed, 22 Jul 2020 12:13:31 +0200},
  biburl       = {https://dblp.org/rec/conf/fc/CaoYCNEH20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icaif/ShenK20,
  author       = {Hongda Shen and
                  Eren Kurshan},
  editor       = {Tucker Balch},
  title        = {Deep Q-network-based adaptive alert threshold selection policy for
                  payment fraud systems in retail banking},
  booktitle    = {{ICAIF} '20: The First {ACM} International Conference on {AI} in Finance,
                  New York, NY, USA, October 15-16, 2020},
  pages        = {24:1--24:7},
  publisher    = {{ACM}},
  year         = {2020},
  url          = {https://doi.org/10.1145/3383455.3422563},
  doi          = {10.1145/3383455.3422563},
  timestamp    = {Fri, 08 Oct 2021 09:02:48 +0200},
  biburl       = {https://dblp.org/rec/conf/icaif/ShenK20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icccnt/ThawreBC20,
  author       = {Gopikishan Thawre and
                  Nitin Bahekar and
                  B. R. Chandavarkar},
  title        = {Use Cases of Authentication Protocols in the Context of Digital Payment
                  System},
  booktitle    = {11th International Conference on Computing, Communication and Networking
                  Technologies, {ICCCNT} 2020, Kharagpur, India, July 1-3, 2020},
  pages        = {1--6},
  publisher    = {{IEEE}},
  year         = {2020},
  url          = {https://doi.org/10.1109/ICCCNT49239.2020.9225428},
  doi          = {10.1109/ICCCNT49239.2020.9225428},
  timestamp    = {Thu, 22 Oct 2020 13:44:41 +0200},
  biburl       = {https://dblp.org/rec/conf/icccnt/ThawreBC20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iccmb/BerggrenJLOIL20,
  author       = {Peter Berggren and
                  Bj{\"{o}}rn J. E. Johansson and
                  Aron Larsson and
                  Leif Olsson and
                  Osama Ibrahim and
                  Joeri van Laere},
  title        = {Coping with large disruptions in the payment system: stakeholder experience
                  from stakeholder workshops and computer based simulation gaming exercises},
  booktitle    = {{ICCMB} 2020: The 3rd International Conference on Computers in Management
                  and Business, Tokyo, Japan, January 31 - February 2, 2020},
  pages        = {141--145},
  publisher    = {{ACM}},
  year         = {2020},
  url          = {https://doi.org/10.1145/3383845.3383862},
  doi          = {10.1145/3383845.3383862},
  timestamp    = {Tue, 07 Apr 2020 13:23:20 +0200},
  biburl       = {https://dblp.org/rec/conf/iccmb/BerggrenJLOIL20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iccmb/BergstenJBLILO20,
  author       = {Linnea Bergsten and
                  Bj{\"{o}}rn J. E. Johansson and
                  Peter Berggren and
                  Joeri van Laere and
                  Osama Ibrahim and
                  Aron Larsson and
                  Leif Olsson},
  title        = {Designing engaging computer based simulation games for increasing
                  societal resilience to payment system disruptions},
  booktitle    = {{ICCMB} 2020: The 3rd International Conference on Computers in Management
                  and Business, Tokyo, Japan, January 31 - February 2, 2020},
  pages        = {166--172},
  publisher    = {{ACM}},
  year         = {2020},
  url          = {https://doi.org/10.1145/3383845.3383859},
  doi          = {10.1145/3383845.3383859},
  timestamp    = {Tue, 07 Apr 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/iccmb/BergstenJBLILO20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icmhi/HuC20,
  author       = {Yufei Hu and
                  Lianghua Chen},
  title        = {An Evolutionary Analysis of Hospital Payment System Strategies Based
                  on County Hospitals-Purchasers Game},
  booktitle    = {{ICMHI} 2020: 4th International Conference on Medical and Health Informatics,
                  Kamakura City, Japan, August, 2020},
  pages        = {200--207},
  publisher    = {{ACM}},
  year         = {2020},
  url          = {https://doi.org/10.1145/3418094.3418098},
  doi          = {10.1145/3418094.3418098},
  timestamp    = {Wed, 03 Nov 2021 13:17:13 +0100},
  biburl       = {https://dblp.org/rec/conf/icmhi/HuC20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icta2/JohnMOJ20,
  author       = {Saka John and
                  Jacob O. Mebawondu and
                  Olusola O. Ajayi and
                  Mebawondu O. Josephine},
  editor       = {Sanjay Misra and
                  Bilkisu Larai Muhammad{-}Bello},
  title        = {Design of Cash Advance Payment System in a Developing Country: {A}
                  Case Study of First Bank of Nigeria Mortgages Limited},
  booktitle    = {Information and Communication Technology and Applications - Third
                  International Conference, {ICTA} 2020, Minna, Nigeria, November 24-27,
                  2020, Revised Selected Papers},
  series       = {Communications in Computer and Information Science},
  volume       = {1350},
  pages        = {703--714},
  publisher    = {Springer},
  year         = {2020},
  url          = {https://doi.org/10.1007/978-3-030-69143-1\_53},
  doi          = {10.1007/978-3-030-69143-1\_53},
  timestamp    = {Sat, 11 Sep 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/icta2/JohnMOJ20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ihiet/PereraRSK20,
  author       = {Dushani Perera and
                  Manisha Rajaratne and
                  Damitha Sandaruwan and
                  Nihal D. Kodikara},
  editor       = {Tareq Z. Ahram and
                  Redha Ta{\"{\i}}ar and
                  Karine Langlois and
                  Arnaud Choplin},
  title        = {Fraud Detection in a Financial Payment System},
  booktitle    = {Human Interaction, Emerging Technologies and Future Applications {III}
                  - Proceedings of the 3rd International Conference on Human Interaction
                  and Emerging Technologies: Future Applications {(IHIET} 2020), August
                  27-29, 2020, Paris, France},
  series       = {Advances in Intelligent Systems and Computing},
  volume       = {1253},
  pages        = {520--526},
  publisher    = {Springer},
  year         = {2020},
  url          = {https://doi.org/10.1007/978-3-030-55307-4\_79},
  doi          = {10.1007/978-3-030-55307-4\_79},
  timestamp    = {Wed, 06 Oct 2021 09:55:20 +0200},
  biburl       = {https://dblp.org/rec/conf/ihiet/PereraRSK20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ijcai/WangZ20a,
  author       = {Shuoyao Wang and
                  Diwei Zhu},
  editor       = {Christian Bessiere},
  title        = {Interpretable Multimodal Learning for Intelligent Regulation in Online
                  Payment Systems},
  booktitle    = {Proceedings of the Twenty-Ninth International Joint Conference on
                  Artificial Intelligence, {IJCAI} 2020},
  pages        = {4675--4681},
  publisher    = {ijcai.org},
  year         = {2020},
  url          = {https://doi.org/10.24963/ijcai.2020/645},
  doi          = {10.24963/IJCAI.2020/645},
  timestamp    = {Mon, 20 Jul 2020 12:38:52 +0200},
  biburl       = {https://dblp.org/rec/conf/ijcai/WangZ20a.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/is/BozvelievV20,
  author       = {Boris Bozveliev and
                  Tihomir Videv},
  editor       = {Vassil Sgurev and
                  Vladimir Jotsov and
                  Rudolf Kruse and
                  Mincho Hadjiski},
  title        = {Generalized NetET Modelling of the Payment Process Workflow},
  booktitle    = {10th {IEEE} International Conference on Intelligent Systems, {IS}
                  2020, Varna, Bulgaria, August 28-30, 2020},
  pages        = {529--532},
  publisher    = {{IEEE}},
  year         = {2020},
  url          = {https://doi.org/10.1109/IS48319.2020.9200188},
  doi          = {10.1109/IS48319.2020.9200188},
  timestamp    = {Mon, 28 Sep 2020 12:24:06 +0200},
  biburl       = {https://dblp.org/rec/conf/is/BozvelievV20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iti2/KhlevnaK20,
  author       = {Iulia Khlevna and
                  Bohdan Koval},
  editor       = {Vitaliy Snytyuk and
                  Anatoly Anisimov and
                  Iurii Krak and
                  Mykola Nikitchenko and
                  Oleksandr Marchenko and
                  Fr{\'{e}}d{\'{e}}ric Mallet and
                  Vitaliy V. Tsyganok and
                  Chris Aldrich and
                  Andreas Pester and
                  Hiroshi Tanaka and
                  Karsten Henke and
                  Oleg Chertov and
                  S{\'{a}}ndor Boz{\'{o}}ki and
                  Vladimir Vovk},
  title        = {Fraud Detection Technology in Payment Systems},
  booktitle    = {Proceedings of the 7th International Conference "Information Technology
                  and Interactions" (IT{\&}I-2020). Workshops Proceedings, Kyiv,
                  Ukraine, December 02-03, 2020},
  series       = {{CEUR} Workshop Proceedings},
  volume       = {2845},
  pages        = {85--95},
  publisher    = {CEUR-WS.org},
  year         = {2020},
  url          = {https://ceur-ws.org/Vol-2845/Paper\_9.pdf},
  timestamp    = {Fri, 10 Mar 2023 16:22:18 +0100},
  biburl       = {https://dblp.org/rec/conf/iti2/KhlevnaK20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iwcmc/JabbarKSKFB20,
  author       = {Rateb Jabbar and
                  Moez Krichen and
                  Mohammed Shinoy and
                  Mohamed Kharbeche and
                  Noora Fetais and
                  Kamel Barkaoui},
  title        = {A Model-Based and Resource-Aware Testing Framework for Parking System
                  Payment using Blockchain},
  booktitle    = {16th International Wireless Communications and Mobile Computing Conference,
                  {IWCMC} 2020, Limassol, Cyprus, June 15-19, 2020},
  pages        = {1252--1259},
  publisher    = {{IEEE}},
  year         = {2020},
  url          = {https://doi.org/10.1109/IWCMC48107.2020.9148212},
  doi          = {10.1109/IWCMC48107.2020.9148212},
  timestamp    = {Sat, 09 Apr 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/iwcmc/JabbarKSKFB20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/nana/YangDTMQX20,
  author       = {Lingxiao Yang and
                  Xuewen Dong and
                  Wei Tong and
                  Shiyang Ma and
                  Hui Qiao and
                  Siyu Xing},
  title        = {Secure Off-chain Payment in Consortium Blockchain System},
  booktitle    = {International Conference on Networking and Network Applications, NaNA
                  2020, Haikou City, China, December 10-13, 2020},
  pages        = {259--264},
  publisher    = {{IEEE}},
  year         = {2020},
  url          = {https://doi.org/10.1109/NaNA51271.2020.00051},
  doi          = {10.1109/NANA51271.2020.00051},
  timestamp    = {Thu, 09 Nov 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/nana/YangDTMQX20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/uyms/SapanOUS20,
  author       = {Ahmet Sapan and
                  Bilgehan {\"{O}}ztekin and
                  Ersin {\"{U}}nsal and
                  Alper Sen},
  editor       = {Bekir Tevfik Akg{\"{u}}n and
                  Tolga Ayav and
                  Semih Bilgen and
                  Geylani Kardas},
  title        = {Testing OpenAPI Banking Payment System with Model Based Test Approach},
  booktitle    = {14th Turkish National Software Engineering Symposium, {UYMS} 2020,
                  Istanbul, Turkey, October 7-9, 2020},
  pages        = {1--4},
  publisher    = {{IEEE}},
  year         = {2020},
  url          = {https://doi.org/10.1109/UYMS50627.2020.9247010},
  doi          = {10.1109/UYMS50627.2020.9247010},
  timestamp    = {Tue, 24 Nov 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/uyms/SapanOUS20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@incollection{DBLP:books/ws/20/GoundarSSTSP20,
  author       = {Sam Goundar and
                  Anil Singh and
                  Semiti Saini and
                  Fariha Tafsil and
                  Shafina Shabnam and
                  Krishneel Prakash},
  editor       = {Sam Goundar},
  title        = {An Overview of Cryptocurrencies for Online Payments of Enterprise
                  Systems},
  booktitle    = {Blockchain Technologies, Applications and Cryptocurrencies - Current
                  Practice and Future Trends},
  pages        = {249--266},
  publisher    = {WorldScientific},
  year         = {2020},
  url          = {https://doi.org/10.1142/9789811205279\_0012},
  doi          = {10.1142/9789811205279\_0012},
  timestamp    = {Mon, 05 Feb 2024 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/books/ws/20/GoundarSSTSP20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@incollection{DBLP:series/lncs/LiuASZLY20,
  author       = {Yuan Liu and
                  Zhengpeng Ai and
                  Shuai Sun and
                  Shuangfeng Zhang and
                  Zelei Liu and
                  Han Yu},
  editor       = {Qiang Yang and
                  Lixin Fan and
                  Han Yu},
  title        = {FedCoin: {A} Peer-to-Peer Payment System for Federated Learning},
  booktitle    = {Federated Learning - Privacy and Incentive},
  series       = {Lecture Notes in Computer Science},
  volume       = {12500},
  pages        = {125--138},
  publisher    = {Springer},
  year         = {2020},
  url          = {https://doi.org/10.1007/978-3-030-63076-8\_9},
  doi          = {10.1007/978-3-030-63076-8\_9},
  timestamp    = {Mon, 03 Jan 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/series/lncs/LiuASZLY20.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2001-05299,
  author       = {Sushil Mahavir Varma and
                  Siva Theja Maguluri},
  title        = {Throughput Optimal Routing in Blockchain Based Payment Systems},
  journal      = {CoRR},
  volume       = {abs/2001.05299},
  year         = {2020},
  url          = {https://arxiv.org/abs/2001.05299},
  eprinttype    = {arXiv},
  eprint       = {2001.05299},
  timestamp    = {Fri, 17 Jan 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2001-05299.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2002-01081,
  author       = {Babatunde Ojetunde and
                  Naoki Shibata and
                  Juntao Gao},
  title        = {Secure Payment System Utilizing {MANET} for Disaster Areas},
  journal      = {CoRR},
  volume       = {abs/2002.01081},
  year         = {2020},
  url          = {https://arxiv.org/abs/2002.01081},
  eprinttype    = {arXiv},
  eprint       = {2002.01081},
  timestamp    = {Mon, 10 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2002-01081.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2002-11711,
  author       = {Yuan Liu and
                  Shuai Sun and
                  Zhengpeng Ai and
                  Shuangfeng Zhang and
                  Zelei Liu and
                  Han Yu},
  title        = {FedCoin: {A} Peer-to-Peer Payment System for Federated Learning},
  journal      = {CoRR},
  volume       = {abs/2002.11711},
  year         = {2020},
  url          = {https://arxiv.org/abs/2002.11711},
  eprinttype    = {arXiv},
  eprint       = {2002.11711},
  timestamp    = {Sat, 23 Jan 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2002-11711.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2004-03756,
  author       = {Cori Tymoszek and
                  Sunpreet S. Arora and
                  Kim Wagner and
                  Anil K. Jain},
  title        = {DashCam Pay: {A} System for In-vehicle Payments Using Face and Voice},
  journal      = {CoRR},
  volume       = {abs/2004.03756},
  year         = {2020},
  url          = {https://arxiv.org/abs/2004.03756},
  eprinttype    = {arXiv},
  eprint       = {2004.03756},
  timestamp    = {Tue, 14 Apr 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2004-03756.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2006-05669,
  author       = {Shuoyao Wang and
                  Diwei Zhu},
  title        = {Interpretable Multimodal Learning for Intelligent Regulation in Online
                  Payment Systems},
  journal      = {CoRR},
  volume       = {abs/2006.05669},
  year         = {2020},
  url          = {https://arxiv.org/abs/2006.05669},
  eprinttype    = {arXiv},
  eprint       = {2006.05669},
  timestamp    = {Sat, 13 Jun 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2006-05669.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2010-11062,
  author       = {Hongda Shen and
                  Eren Kurshan},
  title        = {Deep Q-Network-based Adaptive Alert Threshold Selection Policy for
                  Payment Fraud Systems in Retail Banking},
  journal      = {CoRR},
  volume       = {abs/2010.11062},
  year         = {2020},
  url          = {https://arxiv.org/abs/2010.11062},
  eprinttype    = {arXiv},
  eprint       = {2010.11062},
  timestamp    = {Mon, 26 Oct 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2010-11062.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-2012-08003,
  author       = {Mihai Christodorescu and
                  Wanyun Catherine Gu and
                  Ranjit Kumaresan and
                  Mohsen Minaei and
                  Mustafa {\"{O}}zdayi and
                  Benjamin Price and
                  Srinivasan Raghuraman and
                  Muhammad Saad and
                  Cuy Sheffield and
                  Minghua Xu and
                  Mahdi Zamani},
  title        = {Towards a Two-Tier Hierarchical Infrastructure: An Offline Payment
                  System for Central Bank Digital Currencies},
  journal      = {CoRR},
  volume       = {abs/2012.08003},
  year         = {2020},
  url          = {https://arxiv.org/abs/2012.08003},
  eprinttype    = {arXiv},
  eprint       = {2012.08003},
  timestamp    = {Thu, 21 Apr 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-2012-08003.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@phdthesis{DBLP:phd/ethos/Ali19a,
  author       = {Mohammed Aamir Ali},
  title        = {Does the online card payment system unwittingly facilitate fraud?},
  school       = {Newcastle University, Newcastle upon Tyne, {UK}},
  year         = {2019},
  url          = {https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.791368},
  timestamp    = {Tue, 05 Apr 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/phd/ethos/Ali19a.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@phdthesis{DBLP:phd/hal/Dold19,
  author       = {Florian Dold},
  title        = {The {GNU} Taler system: practical and provably secure electronic payments.
                  (Le syst{\`{e}}me {GNU} Taler: Paiements {\'{e}}lectroniques
                  pratiques et s{\'{e}}curis{\'{e}}s)},
  school       = {University of Rennes 1, France},
  year         = {2019},
  url          = {https://tel.archives-ouvertes.fr/tel-02138082},
  timestamp    = {Tue, 21 Jul 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/phd/hal/Dold19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/access/WangWZ19a,
  author       = {Shangping Wang and
                  Yuying Wang and
                  Yaling Zhang},
  title        = {Blockchain-Based Fair Payment Protocol for Deduplication Cloud Storage
                  System},
  journal      = {{IEEE} Access},
  volume       = {7},
  pages        = {127652--127668},
  year         = {2019},
  url          = {https://doi.org/10.1109/ACCESS.2019.2939492},
  doi          = {10.1109/ACCESS.2019.2939492},
  timestamp    = {Sat, 12 Oct 2019 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/access/WangWZ19a.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/compsec/ZhongWXGQ19,
  author       = {Lin Zhong and
                  Qianhong Wu and
                  Jan Xie and
                  Zhenyu Guan and
                  Bo Qin},
  title        = {A secure large-scale instant payment system based on blockchain},
  journal      = {Comput. Secur.},
  volume       = {84},
  pages        = {349--364},
  year         = {2019},
  url          = {https://doi.org/10.1016/j.cose.2019.04.007},
  doi          = {10.1016/J.COSE.2019.04.007},
  timestamp    = {Mon, 28 Aug 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/compsec/ZhongWXGQ19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/concurrency/HuangH19,
  author       = {Yan Huang and
                  Yadong Huang},
  title        = {Informatization design of raw material purchase and payment for feed
                  processing enterprises under {ERP} system environment},
  journal      = {Concurr. Comput. Pract. Exp.},
  volume       = {31},
  number       = {10},
  year         = {2019},
  url          = {https://doi.org/10.1002/cpe.4941},
  doi          = {10.1002/CPE.4941},
  timestamp    = {Mon, 02 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/concurrency/HuangH19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/fgcs/ZhongWXLQ19,
  author       = {Lin Zhong and
                  Qianhong Wu and
                  Jan Xie and
                  Jin Li and
                  Bo Qin},
  title        = {A secure versatile light payment system based on blockchain},
  journal      = {Future Gener. Comput. Syst.},
  volume       = {93},
  pages        = {327--337},
  year         = {2019},
  url          = {https://doi.org/10.1016/j.future.2018.10.012},
  doi          = {10.1016/J.FUTURE.2018.10.012},
  timestamp    = {Thu, 02 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/fgcs/ZhongWXLQ19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijebr/Chaiyasoonthorn19,
  author       = {Wornchanok Chaiyasoonthorn and
                  Watanyoo Suksa{-}Ngiam},
  title        = {The Diffusion and Adoption of Electronic Payment Systems in Bangkok},
  journal      = {Int. J. {E} Bus. Res.},
  volume       = {15},
  number       = {2},
  pages        = {102--115},
  year         = {2019},
  url          = {https://doi.org/10.4018/IJEBR.2019040106},
  doi          = {10.4018/IJEBR.2019040106},
  timestamp    = {Thu, 20 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijebr/Chaiyasoonthorn19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijide/Singh19,
  author       = {Jitendra Singh},
  title        = {{LD} Based Framework to Mitigate Threats in Mobile Based Payment System},
  journal      = {Int. J. Innov. Digit. Econ.},
  volume       = {10},
  number       = {4},
  pages        = {1--17},
  year         = {2019},
  url          = {https://doi.org/10.4018/IJIDE.2019100101},
  doi          = {10.4018/IJIDE.2019100101},
  timestamp    = {Sun, 12 Nov 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijide/Singh19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijim/Chaiyasoonthorn19,
  author       = {Wornchanok Chaiyasoonthorn},
  title        = {Decision Making in Selecting Mobile Payment Systems},
  journal      = {Int. J. Interact. Mob. Technol.},
  volume       = {13},
  number       = {9},
  pages        = {126--139},
  year         = {2019},
  url          = {https://doi.org/10.3991/ijim.v13i09.10834},
  doi          = {10.3991/IJIM.V13I09.10834},
  timestamp    = {Fri, 10 Jun 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijim/Chaiyasoonthorn19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijim/SalloumAKHS19,
  author       = {Said A. Salloum and
                  Mostafa Al{-}Emran and
                  Rifat Khalaf and
                  Mohammed Habes and
                  Khaled Shaalan},
  title        = {An Innovative Study of E-Payment Systems Adoption in Higher Education:
                  Theoretical Constructs and Empirical Analysis},
  journal      = {Int. J. Interact. Mob. Technol.},
  volume       = {13},
  number       = {6},
  pages        = {68--83},
  year         = {2019},
  url          = {https://doi.org/10.3991/ijim.v13i06.9875},
  doi          = {10.3991/IJIM.V13I06.9875},
  timestamp    = {Thu, 23 Jun 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijim/SalloumAKHS19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ior/ZhanW19,
  author       = {Dongyuan Zhan and
                  Amy R. Ward},
  title        = {Staffing, Routing, and Payment to Trade off Speed and Quality in Large
                  Service Systems},
  journal      = {Oper. Res.},
  volume       = {67},
  number       = {6},
  pages        = {1738--1751},
  year         = {2019},
  url          = {https://doi.org/10.1287/opre.2018.1838},
  doi          = {10.1287/OPRE.2018.1838},
  timestamp    = {Tue, 31 Mar 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ior/ZhanW19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/joeuc/KhanCP19,
  author       = {Ali Nawaz Khan and
                  Xiongfei Cao and
                  Abdul Hameed Pitafi},
  title        = {Personality Traits as Predictor of M-Payment Systems: {A} SEM-Neural
                  Networks Approach},
  journal      = {J. Organ. End User Comput.},
  volume       = {31},
  number       = {4},
  pages        = {89--110},
  year         = {2019},
  url          = {https://doi.org/10.4018/JOEUC.2019100105},
  doi          = {10.4018/JOEUC.2019100105},
  timestamp    = {Thu, 09 Jul 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/joeuc/KhanCP19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/msom/GuoTWZ19,
  author       = {Pengfei Guo and
                  Christopher S. Tang and
                  Yulan Wang and
                  Ming Zhao},
  title        = {The Impact of Reimbursement Policy on Social Welfare, Revisit Rate,
                  and Waiting Time in a Public Healthcare System: Fee-for-Service Versus
                  Bundled Payment},
  journal      = {Manuf. Serv. Oper. Manag.},
  volume       = {21},
  number       = {1},
  pages        = {154--170},
  year         = {2019},
  url          = {https://doi.org/10.1287/msom.2017.0690},
  doi          = {10.1287/MSOM.2017.0690},
  timestamp    = {Thu, 01 Oct 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/msom/GuoTWZ19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/sj/ChenW19,
  author       = {Shuzhen Chen and
                  Desheng Wu},
  title        = {Connectivity, Netting, and Systemic Risk of Payment Systems},
  journal      = {{IEEE} Syst. J.},
  volume       = {13},
  number       = {2},
  pages        = {1658--1668},
  year         = {2019},
  url          = {https://doi.org/10.1109/JSYST.2018.2883347},
  doi          = {10.1109/JSYST.2018.2883347},
  timestamp    = {Thu, 04 May 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/sj/ChenW19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/tele/KimKK19,
  author       = {Minji Kim and
                  Seho Kim and
                  Junghun Kim},
  title        = {Can mobile and biometric payments replace cards in the Korean offline
                  payments market? Consumer preference analysis for payment systems
                  using a discrete choice model},
  journal      = {Telematics Informatics},
  volume       = {38},
  pages        = {46--58},
  year         = {2019},
  url          = {https://doi.org/10.1016/j.tele.2019.02.003},
  doi          = {10.1016/J.TELE.2019.02.003},
  timestamp    = {Mon, 24 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/tele/KimKK19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/tsmc/OjetundeSG19,
  author       = {Babatunde Ojetunde and
                  Naoki Shibata and
                  Juntao Gao},
  title        = {Secure Payment System Utilizing {MANET} for Disaster Areas},
  journal      = {{IEEE} Trans. Syst. Man Cybern. Syst.},
  volume       = {49},
  number       = {12},
  pages        = {2651--2663},
  year         = {2019},
  url          = {https://doi.org/10.1109/TSMC.2017.2752203},
  doi          = {10.1109/TSMC.2017.2752203},
  timestamp    = {Wed, 20 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/tsmc/OjetundeSG19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/acisp/ZhongWXQLW19,
  author       = {Lin Zhong and
                  Huili Wang and
                  Jan Xie and
                  Bo Qin and
                  Joseph K. Liu and
                  Qianhong Wu},
  editor       = {Julian Jang{-}Jaccard and
                  Fuchun Guo},
  title        = {A Flexible Instant Payment System Based on Blockchain},
  booktitle    = {Information Security and Privacy - 24th Australasian Conference, {ACISP}
                  2019, Christchurch, New Zealand, July 3-5, 2019, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {11547},
  pages        = {289--306},
  publisher    = {Springer},
  year         = {2019},
  url          = {https://doi.org/10.1007/978-3-030-21548-4\_16},
  doi          = {10.1007/978-3-030-21548-4\_16},
  timestamp    = {Wed, 29 Jan 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/acisp/ZhongWXQLW19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/aike/DelecourtG19,
  author       = {Simon Delecourt and
                  Li Guo},
  title        = {Building a Robust Mobile Payment Fraud Detection System with Adversarial
                  Examples},
  booktitle    = {2nd {IEEE} International Conference on Artificial Intelligence and
                  Knowledge Engineering, {AIKE} 2019, Sardinia, Italy, June 3-5, 2019},
  pages        = {103--106},
  publisher    = {{IEEE}},
  year         = {2019},
  url          = {https://doi.org/10.1109/AIKE.2019.00026},
  doi          = {10.1109/AIKE.2019.00026},
  timestamp    = {Wed, 16 Oct 2019 14:14:54 +0200},
  biburl       = {https://dblp.org/rec/conf/aike/DelecourtG19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/commnet/ZouinaO19,
  author       = {Mouad Zouina and
                  Benaceur Outtai},
  editor       = {Faissal El Bouanani and
                  Fouad Ayoub and
                  Paschalis C. Sofotasios and
                  Daniel Benevides da Costa},
  title        = {Towards a distributed token based payment system using blockchain
                  technology},
  booktitle    = {International Conference on Advanced Communication Technologies and
                  Networking, CommNet 2019, Rabat, Morocco, April 12-14, 2019},
  pages        = {1--10},
  publisher    = {{IEEE}},
  year         = {2019},
  url          = {https://doi.org/10.1109/COMMNET.2019.8742380},
  doi          = {10.1109/COMMNET.2019.8742380},
  timestamp    = {Sun, 25 Oct 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/commnet/ZouinaO19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/csnet/MadhounBP19,
  author       = {Nour El Madhoun and
                  Emmanuel Bertin and
                  Guy Pujolle},
  title        = {The {EMV} Payment System: Is It Reliable?},
  booktitle    = {3rd Cyber Security in Networking Conference, CSNet 2019, Quito, Ecuador,
                  October 23-25, 2019},
  pages        = {80--85},
  publisher    = {{IEEE}},
  year         = {2019},
  url          = {https://doi.org/10.1109/CSNet47905.2019.9108846},
  doi          = {10.1109/CSNET47905.2019.9108846},
  timestamp    = {Tue, 16 Jun 2020 11:21:03 +0200},
  biburl       = {https://dblp.org/rec/conf/csnet/MadhounBP19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/csoc/YomasK19,
  author       = {Jerrin Yomas and
                  N. Chitra Kiran},
  editor       = {Radek Silhavy},
  title        = {An Effective Hardware-Based Bidirectional Security Aware M-Payment
                  System by Using Biometric Authentication},
  booktitle    = {Software Engineering Methods in Intelligent Algorithms - Proceedings
                  of 8th Computer Science On-line Conference 2019, {CSOC} 2019, April
                  2019, Vol. 1},
  series       = {Advances in Intelligent Systems and Computing},
  volume       = {984},
  pages        = {99--108},
  publisher    = {Springer},
  year         = {2019},
  url          = {https://doi.org/10.1007/978-3-030-19807-7\_11},
  doi          = {10.1007/978-3-030-19807-7\_11},
  timestamp    = {Mon, 25 Nov 2019 17:17:59 +0100},
  biburl       = {https://dblp.org/rec/conf/csoc/YomasK19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/dev/VashisthaAM19,
  author       = {Aditya Vashistha and
                  Richard J. Anderson and
                  Shrirang Mare},
  editor       = {Jay Chen and
                  Jennifer Mankoff and
                  Carla P. Gomes},
  title        = {Examining the use and non-use of mobile payment systems for merchant
                  payments in India},
  booktitle    = {Proceedings of the Conference on Computing {\&} Sustainable Societies,
                  {COMPASS} 2019, Accra, Ghana, July 3-5, 2019},
  pages        = {1--12},
  publisher    = {{ACM}},
  year         = {2019},
  url          = {https://doi.org/10.1145/3314344.3332499},
  doi          = {10.1145/3314344.3332499},
  timestamp    = {Wed, 03 Feb 2021 17:53:30 +0100},
  biburl       = {https://dblp.org/rec/conf/dev/VashisthaAM19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/esorics/OzyilmazKNO19,
  author       = {Kazim Rifat {\"{O}}zyilmaz and
                  Nazmi Berhan Kongel and
                  Ali Erhat Nalbant and
                  Ahmet {\"{O}}zcan},
  editor       = {Cristina P{\'{e}}rez{-}Sol{\`{a}} and
                  Guillermo Navarro{-}Arribas and
                  Alex Biryukov and
                  Joaqu{\'{\i}}n Garc{\'{\i}}a{-}Alfaro},
  title        = {A Multi-protocol Payment System to Facilitate Financial Inclusion},
  booktitle    = {Data Privacy Management, Cryptocurrencies and Blockchain Technology
                  - {ESORICS} 2019 International Workshops, {DPM} 2019 and {CBT} 2019,
                  Luxembourg, September 26-27, 2019, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {11737},
  pages        = {321--335},
  publisher    = {Springer},
  year         = {2019},
  url          = {https://doi.org/10.1007/978-3-030-31500-9\_21},
  doi          = {10.1007/978-3-030-31500-9\_21},
  timestamp    = {Mon, 05 Feb 2024 20:29:40 +0100},
  biburl       = {https://dblp.org/rec/conf/esorics/OzyilmazKNO19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/eurocon/ZunicTHD19,
  author       = {Emir Zunic and
                  Zlatan Tucakovic and
                  Kerim Hodzic and
                  Sead Delalic},
  title        = {Multi-level Generalized Clustering Approach and Algorithm for Anomaly
                  Detection in Internal Banking Payment Systems},
  booktitle    = {{IEEE} {EUROCON} 2019 - 18th International Conference on Smart Technologies,
                  Novi Sad, Serbia, July 1-4, 2019},
  pages        = {1--6},
  publisher    = {{IEEE}},
  year         = {2019},
  url          = {https://doi.org/10.1109/EUROCON.2019.8861903},
  doi          = {10.1109/EUROCON.2019.8861903},
  timestamp    = {Mon, 09 Aug 2021 14:53:48 +0200},
  biburl       = {https://dblp.org/rec/conf/eurocon/ZunicTHD19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icce-tw/WuCWC19a,
  author       = {Hung{-}Wei Wu and
                  Rung{-}Shiang Cheng and
                  Chien{-}Jen Wang and
                  Wei{-}Zhi Chen},
  title        = {Report payment system based on customer analysis},
  booktitle    = {{IEEE} International Conference on Consumer Electronics - Taiwan,
                  {ICCE-TW} 2019, Yilan, Taiwan, May 20-22, 2019},
  pages        = {1--2},
  publisher    = {{IEEE}},
  year         = {2019},
  url          = {https://doi.org/10.1109/ICCE-TW46550.2019.8991699},
  doi          = {10.1109/ICCE-TW46550.2019.8991699},
  timestamp    = {Thu, 25 Nov 2021 08:23:53 +0100},
  biburl       = {https://dblp.org/rec/conf/icce-tw/WuCWC19a.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iccsa/DostovSP19,
  author       = {Victor Dostov and
                  Pavel Shoust and
                  Elizaveta Popova},
  editor       = {Sanjay Misra and
                  Osvaldo Gervasi and
                  Beniamino Murgante and
                  Elena N. Stankova and
                  Vladimir Korkhov and
                  Carmelo Maria Torre and
                  Ana Maria A. C. Rocha and
                  David Taniar and
                  Bernady O. Apduhan and
                  Eufemia Tarantino},
  title        = {Using Mathematical Models to Describe the Dynamics of the Spread of
                  Traditional and Cryptocurrency Payment Systems},
  booktitle    = {Computational Science and Its Applications - {ICCSA} 2019 - 19th International
                  Conference, Saint Petersburg, Russia, July 1-4, 2019, Proceedings,
                  Part {II}},
  series       = {Lecture Notes in Computer Science},
  volume       = {11620},
  pages        = {457--471},
  publisher    = {Springer},
  year         = {2019},
  url          = {https://doi.org/10.1007/978-3-030-24296-1\_36},
  doi          = {10.1007/978-3-030-24296-1\_36},
  timestamp    = {Fri, 05 Jul 2019 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/iccsa/DostovSP19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iccsci/KarsenCJ19,
  author       = {Marisa Karsen and
                  Yakob Utama Chandra and
                  Hanny Juwitasary},
  editor       = {Widodo Budiharto},
  title        = {Technological Factors of Mobile Payment: {A} Systematic Literature
                  Review},
  booktitle    = {Enabling Collaboration to Escalate Impact of Research Results for
                  Society: The 4th International Conference on Computer Science and
                  Computational Intelligence, {ICCSCI} 2019, 12-13 September 2019, Yogyakarta,
                  Indonesia},
  series       = {Procedia Computer Science},
  volume       = {157},
  pages        = {489--498},
  publisher    = {Elsevier},
  year         = {2019},
  url          = {https://doi.org/10.1016/j.procs.2019.09.004},
  doi          = {10.1016/J.PROCS.2019.09.004},
  timestamp    = {Fri, 19 Apr 2024 13:31:15 +0200},
  biburl       = {https://dblp.org/rec/conf/iccsci/KarsenCJ19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icis/GuoM19,
  author       = {Zhiling Guo and
                  Dan Ma},
  editor       = {Helmut Krcmar and
                  Jane Fedorowicz and
                  Wai Fong Boh and
                  Jan Marco Leimeister and
                  Sunil Wattal},
  title        = {Optimal Design and Ownership Structures of Innovative Retail Payment
                  Systems},
  booktitle    = {Proceedings of the 40th International Conference on Information Systems,
                  {ICIS} 2019, Munich, Germany, December 15-18, 2019},
  publisher    = {Association for Information Systems},
  year         = {2019},
  url          = {https://aisel.aisnet.org/icis2019/business\_models/business\_models/21},
  timestamp    = {Tue, 10 Dec 2019 12:03:30 +0100},
  biburl       = {https://dblp.org/rec/conf/icis/GuoM19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ifip5-5/OsorioCAB19,
  author       = {A. Lu{\'{\i}}s Os{\'{o}}rio and
                  Luis M. Camarinha{-}Matos and
                  Hamideh Afsarmanesh and
                  Adam Belloum},
  editor       = {Luis M. Camarinha{-}Matos and
                  Hamideh Afsarmanesh and
                  Dario Antonelli},
  title        = {Towards a Mobility Payment Service Based on Collaborative Open Systems},
  booktitle    = {Collaborative Networks and Digital Transformation - 20th {IFIP} {WG}
                  5.5 Working Conference on Virtual Enterprises, {PRO-VE} 2019, Turin,
                  Italy, September 23-25, 2019, Proceedings},
  series       = {{IFIP} Advances in Information and Communication Technology},
  volume       = {568},
  pages        = {379--392},
  publisher    = {Springer},
  year         = {2019},
  url          = {https://doi.org/10.1007/978-3-030-28464-0\_33},
  doi          = {10.1007/978-3-030-28464-0\_33},
  timestamp    = {Mon, 05 Feb 2024 20:34:00 +0100},
  biburl       = {https://dblp.org/rec/conf/ifip5-5/OsorioCAB19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iiaiaai/MitaIOT19,
  author       = {Makiko Mita and
                  Kensuke Ito and
                  Shohei Ohsawa and
                  Hideyuki Tanaka},
  title        = {What is Stablecoin?: {A} Survey on Price Stabilization Mechanisms
                  for Decentralized Payment Systems},
  booktitle    = {8th International Congress on Advanced Applied Informatics, {IIAI-AAI}
                  2019, Toyama, Japan, July 7-11, 2019},
  pages        = {60--66},
  publisher    = {{IEEE}},
  year         = {2019},
  url          = {https://doi.org/10.1109/IIAI-AAI.2019.00023},
  doi          = {10.1109/IIAI-AAI.2019.00023},
  timestamp    = {Tue, 25 Feb 2020 17:16:42 +0100},
  biburl       = {https://dblp.org/rec/conf/iiaiaai/MitaIOT19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/intap/RaqibR19,
  author       = {Saira Raqib and
                  Muhammad Rizwan},
  editor       = {Imran Sarwar Bajwa and
                  Tatjana V. Sibalija and
                  Dayang Norhayati Abang Jawawi},
  title        = {{NFC} Payment Security with Cloud Based Authentication System},
  booktitle    = {Intelligent Technologies and Applications - Second International Conference,
                  {INTAP} 2019, Bahawalpur, Pakistan, November 6-8, 2019, Revised Selected
                  Papers},
  series       = {Communications in Computer and Information Science},
  volume       = {1198},
  pages        = {738--751},
  publisher    = {Springer},
  year         = {2019},
  url          = {https://doi.org/10.1007/978-981-15-5232-8\_63},
  doi          = {10.1007/978-981-15-5232-8\_63},
  timestamp    = {Wed, 05 Oct 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/intap/RaqibR19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iscram/BerggrenLLJ19,
  author       = {Peter Berggren and
                  Molly Lundberg and
                  Joeri van Laere and
                  Bj{\"{o}}rn J. E. Johansson},
  editor       = {Zeno Franco and
                  Jos{\'{e}} J. Gonz{\'{a}}lez and
                  Jos{\'{e}} H. Can{\'{o}}s},
  title        = {Community resilience towards disruptions in the payment system},
  booktitle    = {Proceedings of the 16th International Conference on Information Systems
                  for Crisis Response and Management, Val{\`{e}}ncia, Spain, May 19-22,
                  2019},
  publisher    = {{ISCRAM} Association},
  year         = {2019},
  url          = {http://idl.iscram.org/files/peterberggren/2019/1937\_PeterBerggren\_etal2019.pdf},
  timestamp    = {Thu, 10 Nov 2022 16:58:41 +0100},
  biburl       = {https://dblp.org/rec/conf/iscram/BerggrenLLJ19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/middleware/KohlbrennerNLJ19,
  author       = {Felix Kohlbrenner and
                  Pezhman Nasirifard and
                  Christian L{\"{o}}bel and
                  Hans{-}Arno Jacobsen},
  title        = {A Blockchain-based Payment and Validity Check System for Vehicle Services},
  booktitle    = {Proceedings of the 20th International Middleware Conference Demos
                  and Posters, Middleware 2019, Davis, CA, USA, December 9-13, 2019},
  pages        = {17--18},
  publisher    = {{ACM}},
  year         = {2019},
  url          = {https://doi.org/10.1145/3366627.3368107},
  doi          = {10.1145/3366627.3368107},
  timestamp    = {Fri, 27 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/middleware/KohlbrennerNLJ19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/niss/OrcheB19,
  author       = {Ahmed El Orche and
                  Mohamed Bahaj},
  editor       = {Badr Abouelmajd and
                  Mohamed Ben Ahmed and
                  Anouar Abdelhakim Boudhir and
                  Hassan El Ghazi},
  title        = {Approach to use ontology based on electronic payment system and machine
                  learning to prevent Fraud},
  booktitle    = {Proceedings of the 2nd International Conference on Networking, Information
                  Systems {\&} Security, {NISS} 2019, Rabat, Morocco, 27-29 March,
                  2019},
  pages        = {37:1--37:6},
  publisher    = {{ACM}},
  year         = {2019},
  url          = {https://doi.org/10.1145/3320326.3320369},
  doi          = {10.1145/3320326.3320369},
  timestamp    = {Sat, 30 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/niss/OrcheB19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/scis/Paavola19,
  author       = {Risto Paavola},
  editor       = {Samuli Pekkola and
                  Henri Pirkkalainen and
                  Pasi Hellsten and
                  Ilona Ilvonen},
  title        = {Adopting Emerging Technology in Public Sector: {A} Case of the Contactless
                  Payment System for Pupils in Elementary Schools},
  booktitle    = {10th Scandinavian Conference on Information Systems, {SCIS} 2019,
                  Nokia, Finland, 11-14 August 2019},
  pages        = {5},
  publisher    = {Association for Information Systems},
  year         = {2019},
  url          = {https://aisel.aisnet.org/scis2019/5},
  timestamp    = {Mon, 07 Oct 2019 11:17:23 +0200},
  biburl       = {https://dblp.org/rec/conf/scis/Paavola19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/smartiot/Wang0LGWC19,
  author       = {Hao Wang and
                  Zhiwen Yu and
                  Yimeng Liu and
                  Bin Guo and
                  Liang Wang and
                  Helei Cui},
  title        = {Crowdchain: {A} Location Preserve Anonymous Payment System Based on
                  Permissioned Blockchain},
  booktitle    = {2019 {IEEE} International Conference on Smart Internet of Things (SmartIoT),
                  Tianjin, China, August 9-11, 2019},
  pages        = {227--233},
  publisher    = {{IEEE}},
  year         = {2019},
  url          = {https://doi.org/10.1109/SmartIoT.2019.00042},
  doi          = {10.1109/SMARTIOT.2019.00042},
  timestamp    = {Tue, 16 Apr 2024 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/smartiot/Wang0LGWC19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-1904-06441,
  author       = {John Adler and
                  Mikerah Quintyne{-}Collins},
  title        = {Building Scalable Decentralized Payment Systems},
  journal      = {CoRR},
  volume       = {abs/1904.06441},
  year         = {2019},
  url          = {http://arxiv.org/abs/1904.06441},
  eprinttype    = {arXiv},
  eprint       = {1904.06441},
  timestamp    = {Thu, 25 Apr 2019 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-1904-06441.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-1906-06037,
  author       = {Makiko Mita and
                  Kensuke Ito and
                  Shohei Ohsawa and
                  Hideyuki Tanaka},
  title        = {What is Stablecoin?: {A} Survey on Price Stabilization Mechanisms
                  for Decentralized Payment Systems},
  journal      = {CoRR},
  volume       = {abs/1906.06037},
  year         = {2019},
  url          = {http://arxiv.org/abs/1906.06037},
  eprinttype    = {arXiv},
  eprint       = {1906.06037},
  timestamp    = {Mon, 24 Jun 2019 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-1906-06037.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/iacr/AndroulakiCCDET19,
  author       = {Elli Androulaki and
                  Jan Camenisch and
                  Angelo De Caro and
                  Maria Dubovitskaya and
                  Kaoutar Elkhiyaoui and
                  Bj{\"{o}}rn Tackmann},
  title        = {Privacy-preserving auditable token payments in a permissioned blockchain
                  system},
  journal      = {{IACR} Cryptol. ePrint Arch.},
  pages        = {1058},
  year         = {2019},
  url          = {https://eprint.iacr.org/2019/1058},
  timestamp    = {Mon, 11 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/iacr/AndroulakiCCDET19.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/access/WuLWW18,
  author       = {Weiwei Wu and
                  Minming Li and
                  Jianping Wang and
                  Xiumin Wang},
  title        = {Non-Payment Incentive Mechanism Design for Resource Allocation in
                  a Private Cloud System},
  journal      = {{IEEE} Access},
  volume       = {6},
  pages        = {44147--44160},
  year         = {2018},
  url          = {https://doi.org/10.1109/ACCESS.2018.2861561},
  doi          = {10.1109/ACCESS.2018.2861561},
  timestamp    = {Fri, 09 Apr 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/access/WuLWW18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/access/ZhaoLMYY18,
  author       = {Yanqi Zhao and
                  Yannan Li and
                  Qilin Mu and
                  Bo Yang and
                  Yong Yu},
  title        = {Secure Pub-Sub: Blockchain-Based Fair Payment With Reputation for
                  Reliable Cyber Physical Systems},
  journal      = {{IEEE} Access},
  volume       = {6},
  pages        = {12295--12303},
  year         = {2018},
  url          = {https://doi.org/10.1109/ACCESS.2018.2799205},
  doi          = {10.1109/ACCESS.2018.2799205},
  timestamp    = {Sat, 21 Oct 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/access/ZhaoLMYY18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ecr/MandalMM18,
  author       = {Susmita Mandal and
                  Sujata Mohanty and
                  Banshidhar Majhi},
  title        = {Design of electronic payment system based on authenticated key exchange},
  journal      = {Electron. Commer. Res.},
  volume       = {18},
  number       = {2},
  pages        = {359--388},
  year         = {2018},
  url          = {https://doi.org/10.1007/s10660-016-9246-3},
  doi          = {10.1007/S10660-016-9246-3},
  timestamp    = {Mon, 26 Oct 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ecr/MandalMM18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijcsm/KumarPY18,
  author       = {Rajeev Kumar and
                  S. K. Pal and
                  Arvind Yadav},
  title        = {Elliptic curve based authenticated encryption scheme and its application
                  for electronic payment system},
  journal      = {Int. J. Comput. Sci. Math.},
  volume       = {9},
  number       = {1},
  pages        = {90--101},
  year         = {2018},
  url          = {https://doi.org/10.1504/IJCSM.2018.10011730},
  doi          = {10.1504/IJCSM.2018.10011730},
  timestamp    = {Mon, 28 Aug 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijcsm/KumarPY18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijeb/SalloumA18,
  author       = {Said A. Salloum and
                  Mostafa Al{-}Emran},
  title        = {Factors affecting the adoption of e-payment systems by university
                  students: extending the {TAM} with trust},
  journal      = {Int. J. Electron. Bus.},
  volume       = {14},
  number       = {4},
  pages        = {371--390},
  year         = {2018},
  url          = {https://doi.org/10.1504/IJEB.2018.098130},
  doi          = {10.1504/IJEB.2018.098130},
  timestamp    = {Thu, 14 Oct 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijeb/SalloumA18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijvcsn/BhasinR18,
  author       = {Narinder Kumar Bhasin and
                  Anupama Rajesh},
  title        = {A Study of Digital Payments: Trends, Challenges and Implementation
                  in Indian Banking System},
  journal      = {Int. J. Virtual Communities Soc. Netw.},
  volume       = {10},
  number       = {1},
  pages        = {46--64},
  year         = {2018},
  url          = {https://doi.org/10.4018/IJVCSN.2018010104},
  doi          = {10.4018/IJVCSN.2018010104},
  timestamp    = {Mon, 08 Jun 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijvcsn/BhasinR18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/itd/WennerBMOM18,
  author       = {Greg Wenner and
                  Joshua T. Bram and
                  Martin Marino and
                  Eric Obeysekare and
                  Khanjan Mehta},
  title        = {Organizational models of mobile payment systems in low-resource environments},
  journal      = {Inf. Technol. Dev.},
  volume       = {24},
  number       = {4},
  pages        = {681--705},
  year         = {2018},
  url          = {https://doi.org/10.1080/02681102.2017.1311830},
  doi          = {10.1080/02681102.2017.1311830},
  timestamp    = {Wed, 12 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/itd/WennerBMOM18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/itpro/Caron18,
  author       = {Filip Caron},
  title        = {The Evolving Payments Landscape: Technological Innovation in Payment
                  Systems},
  journal      = {{IT} Prof.},
  volume       = {20},
  number       = {2},
  pages        = {53--61},
  year         = {2018},
  url          = {https://doi.org/10.1109/MITP.2018.021921651},
  doi          = {10.1109/MITP.2018.021921651},
  timestamp    = {Thu, 12 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/itpro/Caron18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jet/Tomura18,
  author       = {Hajime Tomura},
  title        = {Payment instruments and collateral in the interbank payment system},
  journal      = {J. Econ. Theory},
  volume       = {178},
  pages        = {82--104},
  year         = {2018},
  url          = {https://doi.org/10.1016/j.jet.2018.08.008},
  doi          = {10.1016/J.JET.2018.08.008},
  timestamp    = {Thu, 14 Oct 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jet/Tomura18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jitm/Lai18,
  author       = {P. C. Lai},
  title        = {Single Platform E-Payment System Consumers' Intention to Use},
  journal      = {J. Inf. Technol. Manag.},
  volume       = {29},
  number       = {2},
  pages        = {22--28},
  year         = {2018},
  url          = {https://jitm.ubalt.edu/XXIX-2/article2.pdf},
  timestamp    = {Sun, 15 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/jitm/Lai18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/rdlj/Fedorov18,
  author       = {Andrey O. Fedorov},
  title        = {Information system of payment accounting in the university},
  journal      = {Russ. Digit. Libr. J.},
  volume       = {21},
  number       = {5},
  pages        = {450--460},
  year         = {2018},
  url          = {https://elbib.ru/en/article/495},
  timestamp    = {Wed, 17 Feb 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/rdlj/Fedorov18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/sensors/YohanLW18,
  author       = {Alexander Yohan and
                  Nai{-}Wei Lo and
                  Doni Winata},
  title        = {An Indoor Positioning-Based Mobile Payment System Using Bluetooth
                  Low Energy Technology},
  journal      = {Sensors},
  volume       = {18},
  number       = {4},
  pages        = {974},
  year         = {2018},
  url          = {https://doi.org/10.3390/s18040974},
  doi          = {10.3390/S18040974},
  timestamp    = {Wed, 14 Nov 2018 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/sensors/YohanLW18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/tjs/VincentL18,
  author       = {Olufunke R. Vincent and
                  Olarewaju Mubashiru Lawal},
  title        = {A key agreement authentication protocol using an improved parallel
                  Pollard rho for electronic payment system},
  journal      = {J. Supercomput.},
  volume       = {74},
  number       = {5},
  pages        = {1973--1993},
  year         = {2018},
  url          = {https://doi.org/10.1007/s11227-017-2204-6},
  doi          = {10.1007/S11227-017-2204-6},
  timestamp    = {Thu, 06 Jan 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/tjs/VincentL18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/tsoco/JanWZ018,
  author       = {Steve T. K. Jan and
                  Chun Wang and
                  Qing Zhang and
                  Gang Wang},
  title        = {Analyzing Payment-Driven Targeted {Q8A} Systems},
  journal      = {{ACM} Trans. Soc. Comput.},
  volume       = {1},
  number       = {3},
  pages        = {12:1--12:21},
  year         = {2018},
  url          = {https://doi.org/10.1145/3281449},
  doi          = {10.1145/3281449},
  timestamp    = {Thu, 21 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/tsoco/JanWZ018.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/wpc/KhanA18,
  author       = {Ali Nawaz Khan and
                  Ahsan Ali},
  title        = {Factors Affecting Retailer's Adopti on of Mobile Payment Systems:
                  {A} SEM-Neural Network Modeling Approach},
  journal      = {Wirel. Pers. Commun.},
  volume       = {103},
  number       = {3},
  pages        = {2529--2551},
  year         = {2018},
  url          = {https://doi.org/10.1007/s11277-018-5945-5},
  doi          = {10.1007/S11277-018-5945-5},
  timestamp    = {Thu, 20 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/wpc/KhanA18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/IEEEcloud/WangXFHJZ18,
  author       = {Xin Wang and
                  Xiaomin Xu and
                  Lance Feagan and
                  Sheng Huang and
                  Limei Jiao and
                  Wei Zhao},
  title        = {Inter-Bank Payment System on Enterprise Blockchain Platform},
  booktitle    = {11th {IEEE} International Conference on Cloud Computing, {CLOUD} 2018,
                  San Francisco, CA, USA, July 2-7, 2018},
  pages        = {614--621},
  publisher    = {{IEEE} Computer Society},
  year         = {2018},
  url          = {https://doi.org/10.1109/CLOUD.2018.00085},
  doi          = {10.1109/CLOUD.2018.00085},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/IEEEcloud/WangXFHJZ18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/besc/MoritaNUO18,
  author       = {Masahiro Morita and
                  Kazuaki Naruse and
                  Shiro Uesugi and
                  Hitoshi Okada},
  title        = {A Study on Adopting Smart Payment System},
  booktitle    = {5th International Conference on Behavioral, Economic, and Socio-Cultural
                  Computing, {BESC} 2018, Kaohsiung, Taiwan, November 12-14, 2018},
  pages        = {144--147},
  publisher    = {{IEEE}},
  year         = {2018},
  url          = {https://doi.org/10.1109/BESC.2018.8697279},
  doi          = {10.1109/BESC.2018.8697279},
  timestamp    = {Wed, 16 Oct 2019 14:14:56 +0200},
  biburl       = {https://dblp.org/rec/conf/besc/MoritaNUO18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/cbms/RanjanSAS18,
  author       = {Priyesh Ranjan and
                  Sumit Soman and
                  Amit Kumar Ateria and
                  Praveen K. Srivastava},
  editor       = {Jaakko Hollm{\'{e}}n and
                  Carolyn McGregor and
                  Paolo Soda and
                  Bridget Kane},
  title        = {Streamlining Payment Workflows Using a Patient Wallet for Hospital
                  Information Systems},
  booktitle    = {31st {IEEE} International Symposium on Computer-Based Medical Systems,
                  {CBMS} 2018, Karlstad, Sweden, June 18-21, 2018},
  pages        = {339--344},
  publisher    = {{IEEE} Computer Society},
  year         = {2018},
  url          = {https://doi.org/10.1109/CBMS.2018.00066},
  doi          = {10.1109/CBMS.2018.00066},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/cbms/RanjanSAS18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/eidwt/ZanajVEZ18,
  author       = {Elma Zanaj and
                  Kristi Verushi and
                  Indrit Enesi and
                  Blerina Zanaj},
  editor       = {Leonard Barolli and
                  Fatos Xhafa and
                  Nadeem Javaid and
                  Evjola Spaho and
                  Vladi Kolici},
  title        = {Vehicle Insurance Payment System Based on IoT},
  booktitle    = {Advances in Internet, Data {\&} Web Technologies, The 6th International
                  Conference on Emerging Internet, Data {\&} Web Technologies, EIDWT-2018,
                  Tirana, Albania, March 15-17, 2018},
  series       = {Lecture Notes on Data Engineering and Communications Technologies},
  volume       = {17},
  pages        = {394--402},
  publisher    = {Springer},
  year         = {2018},
  url          = {https://doi.org/10.1007/978-3-319-75928-9\_35},
  doi          = {10.1007/978-3-319-75928-9\_35},
  timestamp    = {Mon, 26 Jun 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/eidwt/ZanajVEZ18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iccnc/XiaSHCDG18,
  author       = {Qi Xia and
                  Emmanuel Boateng Sifah and
                  Ke Huang and
                  Ruidong Chen and
                  Xiaojiang Du and
                  Jianbin Gao},
  title        = {Secure Payment Routing Protocol for Economic Systems Based on Blockchain},
  booktitle    = {2018 International Conference on Computing, Networking and Communications,
                  {ICNC} 2018, Maui, HI, USA, March 5-8, 2018},
  pages        = {177--181},
  publisher    = {{IEEE} Computer Society},
  year         = {2018},
  url          = {https://doi.org/10.1109/ICCNC.2018.8390309},
  doi          = {10.1109/ICCNC.2018.8390309},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/iccnc/XiaSHCDG18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icdcit/VishwakarmaTV18,
  author       = {Pinki Prakash Vishwakarma and
                  Amiya Kumar Tripathy and
                  Srikanth Vemuru},
  editor       = {Atul Negi and
                  Raj Bhatnagar and
                  Laxmi Parida},
  title        = {A Layered Approach to Fraud Analytics for NFC-Enabled Mobile Payment
                  System},
  booktitle    = {Distributed Computing and Internet Technology - 14th International
                  Conference, {ICDCIT} 2018, Bhubaneswar, India, January 11-13, 2018,
                  Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {10722},
  pages        = {127--131},
  publisher    = {Springer},
  year         = {2018},
  url          = {https://doi.org/10.1007/978-3-319-72344-0\_9},
  doi          = {10.1007/978-3-319-72344-0\_9},
  timestamp    = {Sat, 30 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/icdcit/VishwakarmaTV18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ictc/AhnPP18,
  author       = {Jaehong Ahn and
                  Mingyu Park and
                  Jeongyeup Paek},
  title        = {Reptor: {A} Model for Deriving Trust and Reputation on Blockchain-based
                  Electronic Payment System},
  booktitle    = {International Conference on Information and Communication Technology
                  Convergence, {ICTC} 2018, Jeju Island, Korea (South), October 17-19,
                  2018},
  pages        = {1431--1436},
  publisher    = {{IEEE}},
  year         = {2018},
  url          = {https://doi.org/10.1109/ICTC.2018.8539641},
  doi          = {10.1109/ICTC.2018.8539641},
  timestamp    = {Mon, 05 Feb 2024 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/ictc/AhnPP18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/nordichi/SpillersG18,
  author       = {Frank Spillers and
                  Alison Gavine},
  editor       = {Tone Bratteteig and
                  Frode Eika Sandnes},
  title        = {Localization of mobile payment systems: cultural and temporal rhythms
                  in user adoption},
  booktitle    = {Proceedings of the 10th Nordic Conference on Human-Computer Interaction,
                  Oslo, Norway, September 29 - October 3, 2018},
  pages        = {862--867},
  publisher    = {{ACM}},
  year         = {2018},
  url          = {https://doi.org/10.1145/3240167.3240276},
  doi          = {10.1145/3240167.3240276},
  timestamp    = {Wed, 21 Nov 2018 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/nordichi/SpillersG18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-1808-01561,
  author       = {Chang{-}Ting Lin and
                  Ning Ma and
                  Xun Wang and
                  Zhenguang Liu and
                  Jianhai Chen and
                  Shouling Ji},
  title        = {Rapido: {A} Layer2 Payment System for Decentralized Currencies},
  journal      = {CoRR},
  volume       = {abs/1808.01561},
  year         = {2018},
  url          = {http://arxiv.org/abs/1808.01561},
  eprinttype    = {arXiv},
  eprint       = {1808.01561},
  timestamp    = {Mon, 06 Feb 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/corr/abs-1808-01561.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/iacr/KluczniakA18,
  author       = {Kamil Kluczniak and
                  Man Ho Au},
  title        = {Fine-Tuning Decentralized Anonymous Payment Systems based on Arguments
                  for Arithmetic Circuit Satisfiability},
  journal      = {{IACR} Cryptol. ePrint Arch.},
  pages        = {176},
  year         = {2018},
  url          = {http://eprint.iacr.org/2018/176},
  timestamp    = {Mon, 11 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/iacr/KluczniakA18.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-1805-11510,
  title        = {{ALZA:} An Efficient Hybrid Decentralized Payment System},
  journal      = {CoRR},
  volume       = {abs/1805.11510},
  year         = {2018},
  note         = {Withdrawn.},
  url          = {http://arxiv.org/abs/1805.11510},
  eprinttype    = {arXiv},
  eprint       = {1805.11510},
  timestamp    = {Fri, 04 Jan 2019 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/corr/abs-1805-11510.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@book{DBLP:series/ccn/TellezZ17,
  author       = {Jes{\'{u}}s T{\'{e}}llez Isaac and
                  Sherali Zeadally},
  title        = {Mobile Payment Systems - Secure Network Architectures and Protocols},
  series       = {Computer Communications and Networks},
  publisher    = {Springer},
  year         = {2017},
  url          = {https://doi.org/10.1007/978-3-319-23033-7},
  doi          = {10.1007/978-3-319-23033-7},
  isbn         = {978-3-319-23032-0},
  timestamp    = {Thu, 05 Oct 2017 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/series/ccn/TellezZ17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/anor/LiLG17,
  author       = {Guo Li and
                  Mengqi Liu and
                  Xu Guan},
  title        = {Diversity of payment contracts in a decentralized assembly system},
  journal      = {Ann. Oper. Res.},
  volume       = {257},
  number       = {1-2},
  pages        = {613--639},
  year         = {2017},
  url          = {https://doi.org/10.1007/s10479-015-1966-6},
  doi          = {10.1007/S10479-015-1966-6},
  timestamp    = {Thu, 13 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/anor/LiLG17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ejisdc/LwogaL17,
  author       = {Edda Tandi Lwoga and
                  Noel Biseko Lwoga},
  title        = {User Acceptance of Mobile Payment: The Effects of User-Centric Security,
                  System Characteristics and Gender},
  journal      = {Electron. J. Inf. Syst. Dev. Ctries.},
  volume       = {81},
  number       = {1},
  pages        = {1--24},
  year         = {2017},
  url          = {https://doi.org/10.1002/j.1681-4835.2017.tb00595.x},
  doi          = {10.1002/J.1681-4835.2017.TB00595.X},
  timestamp    = {Sun, 02 Oct 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ejisdc/LwogaL17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijbis/OsmaniMRL17,
  author       = {Mohammad Osmani and
                  Khaled Moradi and
                  Mohd Zaidi Abd Rozan and
                  Mahmood Abbasi Layegh},
  title        = {Using {AHP} method to evaluate e-payment system factors influencing
                  mobile banking use in Iranian banks},
  journal      = {Int. J. Bus. Inf. Syst.},
  volume       = {24},
  number       = {4},
  pages        = {511--528},
  year         = {2017},
  url          = {https://doi.org/10.1504/IJBIS.2017.10003354},
  doi          = {10.1504/IJBIS.2017.10003354},
  timestamp    = {Sat, 25 Apr 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijbis/OsmaniMRL17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijebr/ShaikhHK17,
  author       = {Aijaz A. Shaikh and
                  Payam Hanafizadeh and
                  Heikki Karjaluoto},
  title        = {Mobile Banking and Payment System: {A} Conceptual Standpoint},
  journal      = {Int. J. {E} Bus. Res.},
  volume       = {13},
  number       = {2},
  pages        = {14--27},
  year         = {2017},
  url          = {https://doi.org/10.4018/IJEBR.2017040102},
  doi          = {10.4018/IJEBR.2017040102},
  timestamp    = {Wed, 16 Mar 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijebr/ShaikhHK17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijossp/BeheraSJ17,
  author       = {Rajat Kumar Behera and
                  Abhaya Kumar Sahoo and
                  Ajay Jena},
  title        = {A Resourceful Approach in Security Testing to Protect Electronic Payment
                  System Against Unforeseen Attack},
  journal      = {Int. J. Open Source Softw. Process.},
  volume       = {8},
  number       = {3},
  pages        = {24--48},
  year         = {2017},
  url          = {https://doi.org/10.4018/IJOSSP.2017070102},
  doi          = {10.4018/IJOSSP.2017070102},
  timestamp    = {Mon, 28 Aug 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijossp/BeheraSJ17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/isem/BarkhordariNMMA17,
  author       = {Maryam Barkhordari and
                  Zahra Nourollah and
                  Hoda Mashayekhi and
                  Yoosof Mashayekhi and
                  Mohammad S. Ahangar},
  title        = {Factors influencing adoption of e-payment systems: an empirical study
                  on Iranian customers},
  journal      = {Inf. Syst. {E} Bus. Manag.},
  volume       = {15},
  number       = {1},
  pages        = {89--116},
  year         = {2017},
  url          = {https://doi.org/10.1007/s10257-016-0311-1},
  doi          = {10.1007/S10257-016-0311-1},
  timestamp    = {Sun, 02 Oct 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/isem/BarkhordariNMMA17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/itiis/KutubiATACM17,
  author       = {Md. Abdullah Al Rahat Kutubi and
                  Kazi Md. Rokibul Alam and
                  Rafaf Tahsin and
                  G. G. Md. Nawaz Ali and
                  Peter Han Joo Chong and
                  Yasuhiko Morimoto},
  title        = {An Offline Electronic Payment System Based on an Untraceable Blind
                  Signature Scheme},
  journal      = {{KSII} Trans. Internet Inf. Syst.},
  volume       = {11},
  number       = {5},
  pages        = {2628--2645},
  year         = {2017},
  url          = {https://doi.org/10.3837/tiis.2017.05.018},
  doi          = {10.3837/TIIS.2017.05.018},
  timestamp    = {Tue, 16 Feb 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/itiis/KutubiATACM17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jors/SonnessaTT17,
  author       = {Michele Sonnessa and
                  Elena Tanfani and
                  Angela Testi},
  title        = {An agent-based simulation model to evaluate alternative co-payment
                  scenarios for contributing to health systems financing},
  journal      = {J. Oper. Res. Soc.},
  volume       = {68},
  number       = {5},
  pages        = {591--604},
  year         = {2017},
  url          = {https://doi.org/10.1057/s41274-016-0022-5},
  doi          = {10.1057/S41274-016-0022-5},
  timestamp    = {Mon, 08 Jun 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jors/SonnessaTT17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/lr/UdayakumarG17,
  author       = {R. Udayakumar and
                  K. V. Geetha},
  title        = {Setup cost reduction in an integrated production inventory system
                  for defective items with service level constraint and delay in payments},
  journal      = {Logist. Res.},
  volume       = {10},
  number       = {1},
  pages        = {11},
  year         = {2017},
  url          = {https://doi.org/10.23773/2017\_11},
  doi          = {10.23773/2017\_11},
  timestamp    = {Sat, 05 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/lr/UdayakumarG17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/publications/Spearpoint17,
  author       = {Michael Spearpoint},
  title        = {A Proposed Currency System for Academic Peer Review Payments Using
                  the BlockChain Technology},
  journal      = {Publ.},
  volume       = {5},
  number       = {3},
  pages        = {19},
  year         = {2017},
  url          = {https://doi.org/10.3390/publications5030019},
  doi          = {10.3390/PUBLICATIONS5030019},
  timestamp    = {Thu, 17 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/publications/Spearpoint17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/sensors/AlhothailyASLC17,
  author       = {Abdulrahman Alhothaily and
                  Arwa Alrawais and
                  Tianyi Song and
                  Bin Lin and
                  Xiuzhen Cheng},
  title        = {QuickCash: Secure Transfer Payment Systems},
  journal      = {Sensors},
  volume       = {17},
  number       = {6},
  pages        = {1376},
  year         = {2017},
  url          = {https://doi.org/10.3390/s17061376},
  doi          = {10.3390/S17061376},
  timestamp    = {Thu, 10 Mar 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/sensors/AlhothailyASLC17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/tits/KangN17,
  author       = {Jeonil Kang and
                  DaeHun Nyang},
  title        = {A Privacy-Preserving Mobile Payment System for Mass Transit},
  journal      = {{IEEE} Trans. Intell. Transp. Syst.},
  volume       = {18},
  number       = {8},
  pages        = {2192--2205},
  year         = {2017},
  url          = {https://doi.org/10.1109/TITS.2016.2636919},
  doi          = {10.1109/TITS.2016.2636919},
  timestamp    = {Tue, 24 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/tits/KangN17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/wpc/Braeken17,
  author       = {An Braeken},
  title        = {An Improved E-Payment System and Its Extension to a Payment System
                  for Visually Impaired and Blind People with User Anonymity},
  journal      = {Wirel. Pers. Commun.},
  volume       = {96},
  number       = {1},
  pages        = {563--581},
  year         = {2017},
  url          = {https://doi.org/10.1007/s11277-017-4184-5},
  doi          = {10.1007/S11277-017-4184-5},
  timestamp    = {Tue, 29 Dec 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/wpc/Braeken17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/IEEEares/AkinyokunT17,
  author       = {Nicholas Akinyokun and
                  Vanessa Teague},
  title        = {Security and Privacy Implications of NFC-enabled Contactless Payment
                  Systems},
  booktitle    = {Proceedings of the 12th International Conference on Availability,
                  Reliability and Security, Reggio Calabria, Italy, August 29 - September
                  01, 2017},
  pages        = {47:1--47:10},
  publisher    = {{ACM}},
  year         = {2017},
  url          = {https://doi.org/10.1145/3098954.3103161},
  doi          = {10.1145/3098954.3103161},
  timestamp    = {Tue, 06 Nov 2018 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/IEEEares/AkinyokunT17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/africatek/DamianiHHACFSY17,
  author       = {Ernesto Damiani and
                  Perpetus Jacques Houngbo and
                  Jo{\"{e}}l T. Hounsou and
                  Rasool Asal and
                  Stelvio Cimato and
                  Fulvio Frati and
                  Dina Shehada and
                  Chan Yeob Yeun},
  editor       = {Fatna Belqasmi and
                  Hamid Harroud and
                  Max Agueh and
                  Rachida Dssouli and
                  Faouzi Kamoun},
  title        = {Porting the Pay with a (Group) Selfie {(PGS)} Payment System to Crypto
                  Currency},
  booktitle    = {Emerging Technologies for Developing Countries - First International
                  {EAI} Conference, {AFRICATEK} 2017, Marrakech, Morocco, March 27-28,
                  2017 Proceedings},
  series       = {Lecture Notes of the Institute for Computer Sciences, Social Informatics
                  and Telecommunications Engineering},
  volume       = {206},
  pages        = {159--168},
  publisher    = {Springer},
  year         = {2017},
  url          = {https://doi.org/10.1007/978-3-319-67837-5\_15},
  doi          = {10.1007/978-3-319-67837-5\_15},
  timestamp    = {Mon, 15 Jun 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/africatek/DamianiHHACFSY17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iccbdc/CarhuamacaACC17,
  author       = {Danny Carhuamaca and
                  Frank Aire and
                  Juan Cornejo and
                  Mario Chauca},
  title        = {Machine Dispensing With Payment System Digital and Local Database},
  booktitle    = {Proceedings of the 2017 International Conference on Cloud and Big
                  Data Computing, {ICCBDC} 2017, London, United Kingdom, September 17
                  - 19, 2017},
  pages        = {50--54},
  publisher    = {{ACM}},
  year         = {2017},
  url          = {https://doi.org/10.1145/3141128.3141135},
  doi          = {10.1145/3141128.3141135},
  timestamp    = {Sat, 19 Oct 2019 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/iccbdc/CarhuamacaACC17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icdcs/ShiQM17,
  author       = {Fengrui Shi and
                  Zhijin Qin and
                  Julie A. McCann},
  editor       = {Kisung Lee and
                  Ling Liu},
  title        = {OPPay: Design and Implementation of a Payment System for Opportunistic
                  Data Services},
  booktitle    = {37th {IEEE} International Conference on Distributed Computing Systems,
                  {ICDCS} 2017, Atlanta, GA, USA, June 5-8, 2017},
  pages        = {1618--1628},
  publisher    = {{IEEE} Computer Society},
  year         = {2017},
  url          = {https://doi.org/10.1109/ICDCS.2017.21},
  doi          = {10.1109/ICDCS.2017.21},
  timestamp    = {Mon, 05 Feb 2024 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/icdcs/ShiQM17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iceis/TriepelsDH17a,
  author       = {Ron Triepels and
                  Hennie Daniels and
                  Ronald Heijmans},
  editor       = {Slimane Hammoudi and
                  Michal Smialek and
                  Olivier Camp and
                  Joaquim Filipe},
  title        = {Detection and Explanation of Anomalous Payment Behavior in Real-Time
                  Gross Settlement Systems},
  booktitle    = {Enterprise Information Systems - 19th International Conference, {ICEIS}
                  2017, Porto, Portugal, April 26-29, 2017, Revised Selected Papers},
  series       = {Lecture Notes in Business Information Processing},
  volume       = {321},
  pages        = {145--161},
  publisher    = {Springer},
  year         = {2017},
  url          = {https://doi.org/10.1007/978-3-319-93375-7\_8},
  doi          = {10.1007/978-3-319-93375-7\_8},
  timestamp    = {Tue, 16 Aug 2022 23:04:29 +0200},
  biburl       = {https://dblp.org/rec/conf/iceis/TriepelsDH17a.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icmc2/MohitAB17,
  author       = {Prerna Mohit and
                  Ruhul Amin and
                  G. P. Biswas},
  editor       = {Debasis Giri and
                  Ram N. Mohapatra and
                  Heinrich Begehr and
                  Mohammad S. Obaidat},
  title        = {Design of Secure and Efficient Electronic Payment System for Mobile
                  Users},
  booktitle    = {Mathematics and Computing - Third International Conference, {ICMC}
                  2017, Haldia, India, January 17-21, 2017, Proceedings},
  series       = {Communications in Computer and Information Science},
  volume       = {655},
  pages        = {34--43},
  year         = {2017},
  url          = {https://doi.org/10.1007/978-981-10-4642-1\_4},
  doi          = {10.1007/978-981-10-4642-1\_4},
  timestamp    = {Mon, 11 Mar 2019 12:15:04 +0100},
  biburl       = {https://dblp.org/rec/conf/icmc2/MohitAB17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icwsm/ZhangTZWZZ17,
  author       = {Xinyi Zhang and
                  Shiliang Tang and
                  Yun Zhao and
                  Gang Wang and
                  Haitao Zheng and
                  Ben Y. Zhao},
  title        = {Cold Hard E-Cash: Friends and Vendors in the Venmo Digital Payments
                  System},
  booktitle    = {Proceedings of the Eleventh International Conference on Web and Social
                  Media, {ICWSM} 2017, Montr{\'{e}}al, Qu{\'{e}}bec, Canada,
                  May 15-18, 2017},
  pages        = {387--396},
  publisher    = {{AAAI} Press},
  year         = {2017},
  url          = {https://aaai.org/ocs/index.php/ICWSM/ICWSM17/paper/view/15589},
  timestamp    = {Tue, 25 May 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/icwsm/ZhangTZWZZ17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/intersol/JonathanAM17,
  author       = {Oluranti Jonathan and
                  Ambrose A. Azeta and
                  Sanjay Misra},
  editor       = {Cheikh M. F. K{\'{e}}b{\'{e}} and
                  Assane Gueye and
                  Ababacar Ndiaye},
  title        = {Development of Prepaid Electricity Payment System for a University
                  Community Using the {LUHN} Algorithm},
  booktitle    = {Innovation and Interdisciplinary Solutions for Underserved Areas -
                  First International Conference, InterSol 2017 and Sixth Collogue National
                  sur la Recherche en Informatique et ses Applications, {CNRIA} 2017,
                  Dakar, Senegal, April 11-12, 2017, Proceedings},
  series       = {Lecture Notes of the Institute for Computer Sciences, Social Informatics
                  and Telecommunications Engineering},
  volume       = {204},
  pages        = {107--114},
  publisher    = {Springer},
  year         = {2017},
  url          = {https://doi.org/10.1007/978-3-319-72965-7\_9},
  doi          = {10.1007/978-3-319-72965-7\_9},
  timestamp    = {Mon, 15 Jun 2020 17:01:48 +0200},
  biburl       = {https://dblp.org/rec/conf/intersol/JonathanAM17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iscit/ShiJLF17,
  author       = {Jiong Shi and
                  Liping Jin and
                  Jun Li and
                  Zhaoxi Fang},
  title        = {A smart parking system based on NB-IoT and third-party payment platform},
  booktitle    = {17th International Symposium on Communications and Information Technologies,
                  {ISCIT} 2017, Cairns, Australia, September 25-27, 2017},
  pages        = {1--5},
  publisher    = {{IEEE}},
  year         = {2017},
  url          = {https://doi.org/10.1109/ISCIT.2017.8261235},
  doi          = {10.1109/ISCIT.2017.8261235},
  timestamp    = {Wed, 16 Oct 2019 14:14:51 +0200},
  biburl       = {https://dblp.org/rec/conf/iscit/ShiJLF17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iscram/LaereBGIJLLOW17,
  author       = {Joeri van Laere and
                  Peter Berggren and
                  Per M. Gustavsson and
                  Osama Ibrahim and
                  Bj{\"{o}}rn J. E. Johansson and
                  Aron Larsson and
                  Towe Lindqwister and
                  Leif Olsson and
                  Christer Wiberg},
  editor       = {Tina Comes and
                  Fr{\'{e}}d{\'{e}}rick B{\'{e}}naben and
                  Chihab Hanachi and
                  Matthieu Lauras and
                  Aur{\'{e}}lie Montarnal},
  title        = {Challenges for critical infrastructure resilience: cascading effects
                  of payment system disruptions},
  booktitle    = {14th Proceedings of the International Conference on Information Systems
                  for Crisis Response and Management, Albi, France, May 21-24, 2017},
  publisher    = {{ISCRAM} Association},
  year         = {2017},
  url          = {http://idl.iscram.org/files/joerivanlaere/2017/1464\_JoerivanLaere\_etal2017.pdf},
  timestamp    = {Thu, 10 Nov 2022 16:58:41 +0100},
  biburl       = {https://dblp.org/rec/conf/iscram/LaereBGIJLLOW17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/itasec/FolinoP17,
  author       = {Gianluigi Folino and
                  Francesco Sergio Pisani},
  editor       = {Alessandro Armando and
                  Roberto Baldoni and
                  Riccardo Focardi},
  title        = {A Software Architecture for Classifying Users in E-payment Systems},
  booktitle    = {Proceedings of the First Italian Conference on Cybersecurity (ITASEC17),
                  Venice, Italy, January 17-20, 2017},
  series       = {{CEUR} Workshop Proceedings},
  volume       = {1816},
  pages        = {76--85},
  publisher    = {CEUR-WS.org},
  year         = {2017},
  url          = {https://ceur-ws.org/Vol-1816/paper-08.pdf},
  timestamp    = {Fri, 10 Mar 2023 16:22:11 +0100},
  biburl       = {https://dblp.org/rec/conf/itasec/FolinoP17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/mmmacns/SitekK17,
  author       = {Albert Sitek and
                  Zbigniew Kotulski},
  editor       = {Jacek Rak and
                  John Bay and
                  Igor V. Kotenko and
                  Leonard J. Popyack and
                  Victor A. Skormin and
                  Krzysztof Szczypiorski},
  title        = {Cardholder's Reputation System for Contextual Risk Management in Payment
                  Transactions},
  booktitle    = {Computer Network Security - 7th International Conference on Mathematical
                  Methods, Models, and Architectures for Computer Network Security,
                  {MMM-ACNS} 2017, Warsaw, Poland, August 28-30, 2017, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {10446},
  pages        = {158--170},
  publisher    = {Springer},
  year         = {2017},
  url          = {https://doi.org/10.1007/978-3-319-65127-9\_13},
  doi          = {10.1007/978-3-319-65127-9\_13},
  timestamp    = {Thu, 14 Oct 2021 10:27:55 +0200},
  biburl       = {https://dblp.org/rec/conf/mmmacns/SitekK17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/wimob/ChenJW17,
  author       = {Po{-}Wei Chen and
                  Bo{-}Sian Jiang and
                  Chia{-}Hui Wang},
  title        = {Blockchain-based payment collection supervision system using pervasive
                  Bitcoin digital wallet},
  booktitle    = {13th {IEEE} International Conference on Wireless and Mobile Computing,
                  Networking and Communications, WiMob 2017, Rome, Italy, October 9-11,
                  2017},
  pages        = {139--146},
  publisher    = {{IEEE} Computer Society},
  year         = {2017},
  url          = {https://doi.org/10.1109/WiMOB.2017.8115844},
  doi          = {10.1109/WIMOB.2017.8115844},
  timestamp    = {Sat, 30 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/wimob/ChenJW17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/DamianiHACFHSY17,
  author       = {Ernesto Damiani and
                  Perpetus Jacques Houngbo and
                  Rasool Asal and
                  Stelvio Cimato and
                  Fulvio Frati and
                  Jo{\"{e}}l T. Hounsou and
                  Dina Shehada and
                  Chan Yeob Yeun},
  title        = {Pay-with-a-Selfie, a human-centred digital payment system},
  journal      = {CoRR},
  volume       = {abs/1706.07187},
  year         = {2017},
  url          = {http://arxiv.org/abs/1706.07187},
  eprinttype    = {arXiv},
  eprint       = {1706.07187},
  timestamp    = {Mon, 13 Aug 2018 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/DamianiHACFHSY17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/Solat17,
  author       = {Siamak Solat},
  title        = {Security of Electronic Payment Systems: {A} Comprehensive Survey},
  journal      = {CoRR},
  volume       = {abs/1701.04556},
  year         = {2017},
  url          = {http://arxiv.org/abs/1701.04556},
  eprinttype    = {arXiv},
  eprint       = {1701.04556},
  timestamp    = {Mon, 13 Aug 2018 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/Solat17.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-1708-03864,
  author       = {Dominique Boullier and
                  Niranjan Sivakumar and
                  Maxime Crepel and
                  St{\'{e}}phane Juguet},
  title        = {Trust architectures in payment systems: the great bifurcation},
  journal      = {CoRR},
  volume       = {abs/1708.03864},
  year         = {2017},
  url          = {http://arxiv.org/abs/1708.03864},
  eprinttype    = {arXiv},
  eprint       = {1708.03864},
  timestamp    = {Mon, 13 Aug 2018 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-1708-03864.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@phdthesis{DBLP:phd/dnb/Kirschnick16,
  author       = {Niklas Kirschnick},
  title        = {Modeling user perception and behavior when interacting with a mobile
                  payment system},
  school       = {Technical University of Berlin, Germany},
  year         = {2016},
  url          = {https://nbn-resolving.org/urn:nbn:de:101:1-201804164092},
  urn          = {urn:nbn:de:101:1-201804164092},
  timestamp    = {Sat, 17 Jul 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/phd/dnb/Kirschnick16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/anor/GuanLY16,
  author       = {Xu Guan and
                  Guo Li and
                  Zhe Yin},
  title        = {The implication of time-based payment contract in the decentralized
                  assembly system},
  journal      = {Ann. Oper. Res.},
  volume       = {240},
  number       = {2},
  pages        = {641--659},
  year         = {2016},
  url          = {https://doi.org/10.1007/s10479-014-1579-5},
  doi          = {10.1007/S10479-014-1579-5},
  timestamp    = {Thu, 13 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/anor/GuanLY16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/cea/FuentesBGVG16,
  author       = {E. Fuentes and
                  Joe Bogue and
                  Carlos G{\'{o}}mez and
                  Jorge Rafael Vargas and
                  Pierre{-}Yves Le Gal},
  title        = {Supporting small-scale dairy plants in selecting market opportunities
                  and milk payment systems using a spreadsheet model},
  journal      = {Comput. Electron. Agric.},
  volume       = {122},
  pages        = {191--199},
  year         = {2016},
  url          = {https://doi.org/10.1016/j.compag.2015.12.025},
  doi          = {10.1016/J.COMPAG.2015.12.025},
  timestamp    = {Tue, 22 Aug 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/cea/FuentesBGVG16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/cor/Abdul-JalbarCDG16,
  author       = {Beatriz Abdul{-}Jalbar and
                  Marcos Colebrook and
                  Roberto Dorta{-}Guerra and
                  Jos{\'{e}} Miguel Guti{\'{e}}rrez},
  title        = {Centralized and decentralized inventory policies for a single-vendor
                  two-buyer system with permissible delay in payments},
  journal      = {Comput. Oper. Res.},
  volume       = {74},
  pages        = {187--195},
  year         = {2016},
  url          = {https://doi.org/10.1016/j.cor.2016.04.030},
  doi          = {10.1016/J.COR.2016.04.030},
  timestamp    = {Sun, 25 Jul 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/cor/Abdul-JalbarCDG16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ecr/ChaudhryFNS16,
  author       = {Shehzad Ashraf Chaudhry and
                  Mohammad Sabzinejad Farash and
                  Husnain Naqvi and
                  Muhammad Sher},
  title        = {A secure and efficient authenticated encryption for electronic payment
                  systems using elliptic curve cryptography},
  journal      = {Electron. Commer. Res.},
  volume       = {16},
  number       = {1},
  pages        = {113--139},
  year         = {2016},
  url          = {https://doi.org/10.1007/s10660-015-9192-5},
  doi          = {10.1007/S10660-015-9192-5},
  timestamp    = {Fri, 13 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ecr/ChaudhryFNS16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ecra/RouibahLH16,
  author       = {Kamel Rouibah and
                  Paul Benjamin Lowry and
                  Yujong Hwang},
  title        = {The effects of perceived enjoyment and perceived risks on trust formation
                  and intentions to use online payment systems: New perspectives from
                  an Arab country},
  journal      = {Electron. Commer. Res. Appl.},
  volume       = {19},
  pages        = {33--43},
  year         = {2016},
  url          = {https://doi.org/10.1016/j.elerap.2016.07.001},
  doi          = {10.1016/J.ELERAP.2016.07.001},
  timestamp    = {Sat, 22 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ecra/RouibahLH16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijebm/TrappeyTH16,
  author       = {Amy J. C. Trappey and
                  Charles V. Trappey and
                  Abby P. T. Hsu},
  title        = {Modeling Technology Roadmaps Of E-Commerce Payment Systems Based On
                  Patent Informatics},
  journal      = {Int. J. Electron. Bus. Manag.},
  volume       = {14},
  year         = {2016},
  url          = {http://ijebm-ojs.ie.nthu.edu.tw/IJEBM\_OJS/index.php/IJEBM/article/view/691},
  timestamp    = {Thu, 10 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijebm/TrappeyTH16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijide/Nakajima16,
  author       = {Masashi Nakajima},
  title        = {Liquidity Saving Mechanisms in Payment Systems and Settlement Liquidity},
  journal      = {Int. J. Innov. Digit. Econ.},
  volume       = {7},
  number       = {4},
  pages        = {23--45},
  year         = {2016},
  url          = {https://doi.org/10.4018/IJIDE.2016100102},
  doi          = {10.4018/IJIDE.2016100102},
  timestamp    = {Fri, 07 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijide/Nakajima16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijis/GuillenHPRL16,
  author       = {Alberto Guill{\'{e}}n and
                  Luis Javier Herrera and
                  H{\'{e}}ctor Pomares and
                  Ignacio Rojas and
                  Francisco J. Li{\'{e}}bana{-}Cabanillas},
  title        = {Decision Support System to Determine Intention to Use Mobile Payment
                  Systems on Social Networks: {A} Methodological Analysis},
  journal      = {Int. J. Intell. Syst.},
  volume       = {31},
  number       = {2},
  pages        = {153--172},
  year         = {2016},
  url          = {https://doi.org/10.1002/int.21749},
  doi          = {10.1002/INT.21749},
  timestamp    = {Sat, 05 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijis/GuillenHPRL16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijisp/Das16,
  author       = {Rituparna Das},
  title        = {Are the Payments System and e-Banking in India Safer than in other
                  {SAARC} Members?},
  journal      = {Int. J. Inf. Secur. Priv.},
  volume       = {10},
  number       = {2},
  pages        = {11--25},
  year         = {2016},
  url          = {https://doi.org/10.4018/IJISP.2016040102},
  doi          = {10.4018/IJISP.2016040102},
  timestamp    = {Thu, 13 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijisp/Das16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/isem/LunaML16,
  author       = {Iviane Ramos de Luna and
                  Francisco J. Montoro{-}R{\'{\i}}os and
                  Francisco J. Li{\'{e}}bana{-}Cabanillas},
  title        = {Determinants of the intention to use {NFC} technology as a payment
                  system: an acceptance model approach},
  journal      = {Inf. Syst. {E} Bus. Manag.},
  volume       = {14},
  number       = {2},
  pages        = {293--314},
  year         = {2016},
  url          = {https://doi.org/10.1007/s10257-015-0284-5},
  doi          = {10.1007/S10257-015-0284-5},
  timestamp    = {Mon, 26 Oct 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/isem/LunaML16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/itd/BhuasiriZLC16,
  author       = {Wannasiri Bhuasiri and
                  Hangjung Zo and
                  Hwansoo Lee and
                  Andrew P. Ciganek},
  title        = {User Acceptance of e-government Services: Examining an e-tax Filing
                  and Payment System in Thailand},
  journal      = {Inf. Technol. Dev.},
  volume       = {22},
  number       = {4},
  pages        = {672--695},
  year         = {2016},
  url          = {https://doi.org/10.1080/02681102.2016.1173001},
  doi          = {10.1080/02681102.2016.1173001},
  timestamp    = {Wed, 12 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/itd/BhuasiriZLC16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jgim/SilicB16,
  author       = {Mario Silic and
                  Andrea Back},
  title        = {What are the Keys to a Successful Mobile Payment System? Case of Cytizi:
                  Mobile Payment System},
  journal      = {J. Glob. Inf. Manag.},
  volume       = {24},
  number       = {3},
  pages        = {1--20},
  year         = {2016},
  url          = {https://doi.org/10.4018/JGIM.2016070101},
  doi          = {10.4018/JGIM.2016070101},
  timestamp    = {Thu, 13 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jgim/SilicB16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/orl/AminiFM16,
  author       = {Hamed Amini and
                  Damir Filipovic and
                  Andreea Minca},
  title        = {Uniqueness of equilibrium in a payment system with liquidation costs},
  journal      = {Oper. Res. Lett.},
  volume       = {44},
  number       = {1},
  pages        = {1--5},
  year         = {2016},
  url          = {https://doi.org/10.1016/j.orl.2015.10.005},
  doi          = {10.1016/J.ORL.2015.10.005},
  timestamp    = {Sat, 09 Apr 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/orl/AminiFM16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/scn/ChenLCP16,
  author       = {Chin{-}Ling Chen and
                  Yu{-}Fan Lin and
                  Aniello Castiglione and
                  Francesco Palmieri},
  title        = {A secure payment system for multimedia on demand on mobile {VANET}
                  clouds},
  journal      = {Secur. Commun. Networks},
  volume       = {9},
  number       = {17},
  pages        = {4378--4390},
  year         = {2016},
  url          = {https://doi.org/10.1002/sec.1614},
  doi          = {10.1002/SEC.1614},
  timestamp    = {Tue, 05 Jan 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/scn/ChenLCP16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/scn/WongK16,
  author       = {Kok{-}Seng Wong and
                  Myung Ho Kim},
  title        = {An enhanced user authentication solution for mobile payment systems
                  using wearables},
  journal      = {Secur. Commun. Networks},
  volume       = {9},
  number       = {17},
  pages        = {4639--4649},
  year         = {2016},
  url          = {https://doi.org/10.1002/sec.1654},
  doi          = {10.1002/SEC.1654},
  timestamp    = {Thu, 10 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/scn/WongK16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/tjs/VeeraraghavanAC16,
  author       = {Prakash Veeraraghavan and
                  Sadiq Almuairfi and
                  Naveen K. Chilamkurti},
  title        = {Anonymous paperless secure payment system using clouds},
  journal      = {J. Supercomput.},
  volume       = {72},
  number       = {5},
  pages        = {1813--1824},
  year         = {2016},
  url          = {https://doi.org/10.1007/s11227-015-1560-3},
  doi          = {10.1007/S11227-015-1560-3},
  timestamp    = {Mon, 26 Oct 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/tjs/VeeraraghavanAC16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ant/WuLG16,
  author       = {Jieling Wu and
                  Chenglian Liu and
                  Donald Gardner},
  editor       = {Elhadi M. Shakshuki},
  title        = {A Study of Anonymous Purchasing Based on Mobile Payment System},
  booktitle    = {The 7th International Conference on Ambient Systems, Networks and
                  Technologies {(ANT} 2016) / The 6th International Conference on Sustainable
                  Energy Information Technology {(SEIT-2016)} / Affiliated Workshops,
                  May 23-26, 2016, Madrid, Spain},
  series       = {Procedia Computer Science},
  volume       = {83},
  pages        = {685--689},
  publisher    = {Elsevier},
  year         = {2016},
  url          = {https://doi.org/10.1016/j.procs.2016.04.152},
  doi          = {10.1016/J.PROCS.2016.04.152},
  timestamp    = {Mon, 28 Feb 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/ant/WuLG16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/bigdataconf/PerezMWLA16,
  author       = {Benito O. Perez and
                  Yiwei Ma and
                  Mengran Wang and
                  Xiaomeng Liang and
                  Negin Askarzadeh},
  editor       = {James Joshi and
                  George Karypis and
                  Ling Liu and
                  Xiaohua Hu and
                  Ronay Ak and
                  Yinglong Xia and
                  Weijia Xu and
                  Aki{-}Hiro Sato and
                  Sudarsan Rachuri and
                  Lyle H. Ungar and
                  Philip S. Yu and
                  Rama Govindaraju and
                  Toyotaro Suzumura},
  title        = {Towards a more meterless parking system: Understanding meter payment
                  behavior and trends in Washington, {DC}},
  booktitle    = {2016 {IEEE} International Conference on Big Data {(IEEE} BigData 2016),
                  Washington DC, USA, December 5-8, 2016},
  pages        = {4023--4025},
  publisher    = {{IEEE} Computer Society},
  year         = {2016},
  url          = {https://doi.org/10.1109/BigData.2016.7841097},
  doi          = {10.1109/BIGDATA.2016.7841097},
  timestamp    = {Fri, 19 Nov 2021 16:08:20 +0100},
  biburl       = {https://dblp.org/rec/conf/bigdataconf/PerezMWLA16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/centeris/DaherOCS16,
  author       = {Em{\'{\i}}lio Possidente Daher and
                  Saulo Barbar{\'{a}} de Oliveira and
                  P{\^{a}}mela da Silva Lopes Clemente and
                  Ana Maria de Freitas Moura Souza},
  editor       = {Jo{\~{a}}o Eduardo Quintela Varaj{\~{a}}o and
                  Maria Manuela Cruz{-}Cunha and
                  Ricardo Martinho and
                  Rui Rijo and
                  Niels Bj{\o}rn{-}Andersen and
                  Rodney Turner and
                  Domingos Alves},
  title        = {Improvement of Processes in the Service Contract Payment System of
                  Brazil's National Cancer Institute},
  booktitle    = {International Conference on ENTERprise Information Systems/International
                  Conference on Project MANagement/International Conference on Health
                  and Social Care Information Systems and Technologies, CENTERIS/ProjMAN/HCist
                  2016, Porto, Portugal, October 5-7, 2016},
  series       = {Procedia Computer Science},
  volume       = {100},
  pages        = {693--700},
  publisher    = {Elsevier},
  year         = {2016},
  url          = {https://doi.org/10.1016/j.procs.2016.09.213},
  doi          = {10.1016/J.PROCS.2016.09.213},
  timestamp    = {Tue, 23 Apr 2024 23:18:35 +0200},
  biburl       = {https://dblp.org/rec/conf/centeris/DaherOCS16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/cit/KohliS16,
  author       = {Manu Kohli and
                  Edgardo Suarez},
  title        = {Centralized Solution to Securely Transfer Payment Information Electronically
                  to Banks from Multiple Enterprise Resource Planning {(ERP)} Systems},
  booktitle    = {2016 International Conference on Information Technology, {ICIT} 2016,
                  Bhubaneswar, India, December 22-24, 2016},
  pages        = {275--282},
  publisher    = {{IEEE}},
  year         = {2016},
  url          = {https://doi.org/10.1109/ICIT.2016.062},
  doi          = {10.1109/ICIT.2016.062},
  timestamp    = {Sun, 08 Aug 2021 01:40:51 +0200},
  biburl       = {https://dblp.org/rec/conf/cit/KohliS16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ecweb/LimaP16,
  author       = {Rafael Fran{\c{c}}a Lima and
                  Adriano C. M. Pereira},
  editor       = {Derek Bridge and
                  Heiner Stuckenschmidt},
  title        = {Feature Selection Approaches to Fraud Detection in e-Payment Systems},
  booktitle    = {E-Commerce and Web Technologies - 17th International Conference, EC-Web
                  2016, Porto, Portugal, September 5-8, 2016, Revised Selected Papers},
  series       = {Lecture Notes in Business Information Processing},
  volume       = {278},
  pages        = {111--126},
  year         = {2016},
  url          = {https://doi.org/10.1007/978-3-319-53676-7\_9},
  doi          = {10.1007/978-3-319-53676-7\_9},
  timestamp    = {Sun, 12 Nov 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/ecweb/LimaP16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/fit/PurnomoGK16,
  author       = {Ariana Tulus Purnomo and
                  Yudi Satria Gondokaryono and
                  Chang{-}Soo Kim},
  title        = {Mutual authentication in securing mobile payment system using encrypted
                  {QR} code based on public key infrastructure},
  booktitle    = {6th International Conference on System Engineering and Technology,
                  {ICSET} 2016, Bandung, Indonesia, October 3-4, 2016},
  pages        = {194--198},
  publisher    = {{IEEE}},
  year         = {2016},
  url          = {https://doi.org/10.1109/ICSEngT.2016.7849649},
  doi          = {10.1109/ICSENGT.2016.7849649},
  timestamp    = {Wed, 16 Oct 2019 14:14:52 +0200},
  biburl       = {https://dblp.org/rec/conf/fit/PurnomoGK16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iceis/RibeiroFMS16,
  author       = {Leilane Ferreira Ribeiro and
                  M{\'{a}}rio Andr{\'{e}} de Freitas Farias and
                  Manoel G. Mendon{\c{c}}a and
                  Rodrigo Oliveira Sp{\'{\i}}nola},
  editor       = {Slimane Hammoudi and
                  Leszek A. Maciaszek and
                  Michele Missikoff and
                  Olivier Camp and
                  Jos{\'{e}} Cordeiro},
  title        = {Decision Criteria for the Payment of Technical Debt in Software Projects:
                  {A} Systematic Mapping Study},
  booktitle    = {{ICEIS} 2016 - Proceedings of the 18th International Conference on
                  Enterprise Information Systems, Volume 1, Rome, Italy, April 25-28,
                  2016},
  pages        = {572--579},
  publisher    = {SciTePress},
  year         = {2016},
  url          = {https://doi.org/10.5220/0005914605720579},
  doi          = {10.5220/0005914605720579},
  timestamp    = {Sun, 25 Oct 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/iceis/RibeiroFMS16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icist/MuleraviciusST16,
  author       = {Jonas Muleravicius and
                  Eligijus Sakalauskas and
                  Inga Timofejeva},
  editor       = {Giedre Dregvaite and
                  Robertas Damasevicius},
  title        = {On Methodology of E-wallet Construction for Partially Off-line Payment
                  System},
  booktitle    = {Information and Software Technologies - 22nd International Conference,
                  {ICIST} 2016, Druskininkai, Lithuania, October 13-15, 2016, Proceedings},
  series       = {Communications in Computer and Information Science},
  volume       = {639},
  pages        = {753--765},
  year         = {2016},
  url          = {https://doi.org/10.1007/978-3-319-46254-7\_61},
  doi          = {10.1007/978-3-319-46254-7\_61},
  timestamp    = {Wed, 07 Dec 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/icist/MuleraviciusST16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icitst/NiranjanMD16,
  author       = {Niranjan Sivakumar and
                  Maxime Crepel and
                  Dominique Boullier},
  title        = {Risk management in payment system architectures},
  booktitle    = {11th International Conference for Internet Technology and Secured
                  Transactions, {ICITST} 2016, Barcelona, Spain, December 5-7, 2016},
  pages        = {478},
  publisher    = {{IEEE}},
  year         = {2016},
  url          = {https://doi.org/10.1109/ICITST.2016.7856759},
  doi          = {10.1109/ICITST.2016.7856759},
  timestamp    = {Wed, 16 Oct 2019 14:14:54 +0200},
  biburl       = {https://dblp.org/rec/conf/icitst/NiranjanMD16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icteri/Yatsenko16,
  author       = {Viktoria Yatsenko},
  editor       = {Vadim Ermolayev and
                  Aleksander Spivakovsky and
                  Mykola S. Nikitchenko and
                  Athula Ginige and
                  Heinrich C. Mayr and
                  Dimitris Plexousakis and
                  Grygoriy Zholtkevych and
                  Oleksandr Burov and
                  Vyacheslav S. Kharchenko and
                  Vitaliy Kobets},
  title        = {A Company-Specific Business Process 'Accounting of Cash on the Bank
                  Accounts' in the Global Electronic Payment System},
  booktitle    = {Proceedings of the 12th International Conference on {ICT} in Education,
                  Research and Industrial Applications. Integration, Harmonization and
                  Knowledge Transfer, Kyiv, Ukraine, June 21-24, 2016},
  series       = {{CEUR} Workshop Proceedings},
  volume       = {1614},
  pages        = {591--607},
  publisher    = {CEUR-WS.org},
  year         = {2016},
  url          = {https://ceur-ws.org/Vol-1614/paper\_109.pdf},
  timestamp    = {Fri, 10 Mar 2023 16:23:15 +0100},
  biburl       = {https://dblp.org/rec/conf/icteri/Yatsenko16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/meco/CvijicPBB16,
  author       = {Branimir Cvijic and
                  Drazen Pasalic and
                  Dusanka Bundalo and
                  Zlatko Bundalo},
  title        = {Cloud based web application supporting vehicle toll payment system},
  booktitle    = {5th Mediterranean Conference on Embedded Computing, {MECO} 2016, Bar,
                  Montenegro, June 12-16, 2016},
  pages        = {489--492},
  publisher    = {{IEEE}},
  year         = {2016},
  url          = {https://doi.org/10.1109/MECO.2016.7525700},
  doi          = {10.1109/MECO.2016.7525700},
  timestamp    = {Mon, 09 Aug 2021 14:54:01 +0200},
  biburl       = {https://dblp.org/rec/conf/meco/CvijicPBB16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/meco/PasalicCBBS16,
  author       = {Drazen Pasalic and
                  Branimir Cvijic and
                  Dusanka Bundalo and
                  Zlatko Bundalo and
                  Radovan Stojanovic},
  title        = {Vehicle toll payment system based on Internet of Things concept},
  booktitle    = {5th Mediterranean Conference on Embedded Computing, {MECO} 2016, Bar,
                  Montenegro, June 12-16, 2016},
  pages        = {485--488},
  publisher    = {{IEEE}},
  year         = {2016},
  url          = {https://doi.org/10.1109/MECO.2016.7525699},
  doi          = {10.1109/MECO.2016.7525699},
  timestamp    = {Fri, 05 Feb 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/meco/PasalicCBBS16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ukrprog/OstapovskaPPK16,
  author       = {Yulia Ostapovska and
                  Taras Panchenko and
                  Nataliya Polishchuk and
                  Mykita Kartavov},
  editor       = {Ivan Sergienko and
                  Philip Andon},
  title        = {Correctness Property Proof for the Banking System for Money Transfer
                  Payments},
  booktitle    = {Proceedings of the 10th International Conference of Programming UkrPROG'2016,
                  Kyiv, Ukraine, May 24-25, 2016},
  series       = {{CEUR} Workshop Proceedings},
  volume       = {1631},
  pages        = {119--132},
  publisher    = {CEUR-WS.org},
  year         = {2016},
  url          = {http://ceur-ws.org/Vol-1631/119-132.pdf},
  timestamp    = {Mon, 18 Dec 2023 16:58:34 +0100},
  biburl       = {https://dblp.org/rec/conf/ukrprog/OstapovskaPPK16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/OryG16,
  author       = {David Ory and
                  Stephen Granger{-}Bevan},
  title        = {A Functioning Beta Solution to the Challenge of Opening Transit Payment
                  System Transaction Data},
  journal      = {CoRR},
  volume       = {abs/1609.08757},
  year         = {2016},
  url          = {http://arxiv.org/abs/1609.08757},
  eprinttype    = {arXiv},
  eprint       = {1609.08757},
  timestamp    = {Sat, 23 Jan 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/corr/OryG16.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@phdthesis{DBLP:phd/ethos/Elbasir15,
  author       = {Mahmoud Hassan Elbasir},
  title        = {An investigation of factors affecting the adoption of e-payment system
                  in Libya},
  school       = {De Montfort University, Leicester, {UK}},
  year         = {2015},
  url          = {https://hdl.handle.net/2086/11420},
  timestamp    = {Wed, 04 May 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/phd/ethos/Elbasir15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/candie/ZahranJZZ15,
  author       = {Siraj K. Zahran and
                  Mohamad Y. Jaber and
                  Simone Zanoni and
                  Lucio E. Zavanella},
  title        = {Payment schemes for a two-level consignment stock supply chain system},
  journal      = {Comput. Ind. Eng.},
  volume       = {87},
  pages        = {491--505},
  year         = {2015},
  url          = {https://doi.org/10.1016/j.cie.2015.05.024},
  doi          = {10.1016/J.CIE.2015.05.024},
  timestamp    = {Thu, 20 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/candie/ZahranJZZ15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/cem/LumpkinsJ15,
  author       = {William Lumpkins and
                  Martin Joyce},
  title        = {Near-Field Communication: It Pays: Mobile payment systems explained
                  and explored},
  journal      = {{IEEE} Consumer Electron. Mag.},
  volume       = {4},
  number       = {2},
  pages        = {49--53},
  year         = {2015},
  url          = {https://doi.org/10.1109/MCE.2015.2395011},
  doi          = {10.1109/MCE.2015.2395011},
  timestamp    = {Thu, 18 Jun 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/cem/LumpkinsJ15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/cj/DjuricG15,
  author       = {Zoran Djuric and
                  Dragan Gasevic},
  title        = {{FEIPS:} {A} Secure Fair-Exchange Payment System for Internet Transactions},
  journal      = {Comput. J.},
  volume       = {58},
  number       = {10},
  pages        = {2537--2556},
  year         = {2015},
  url          = {https://doi.org/10.1093/comjnl/bxu120},
  doi          = {10.1093/COMJNL/BXU120},
  timestamp    = {Wed, 25 Sep 2019 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/cj/DjuricG15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijbis/HidayantoHSH15,
  author       = {Achmad Nizar Hidayanto and
                  Luqman Syauqi Hidayat and
                  Puspa Indahati Sandhyaduhita and
                  Putu Wuri Handayani},
  title        = {Examining the relationship of payment system characteristics and behavioural
                  intention in e-payment adoption: a case of Indonesia},
  journal      = {Int. J. Bus. Inf. Syst.},
  volume       = {19},
  number       = {1},
  pages        = {58--86},
  year         = {2015},
  url          = {https://doi.org/10.1504/IJBIS.2015.069065},
  doi          = {10.1504/IJBIS.2015.069065},
  timestamp    = {Thu, 14 Oct 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijbis/HidayantoHSH15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijitdm/FranciscoFJ15,
  author       = {Francisco J. Li{\'{e}}bana{-}Cabanillas and
                  Francisco Mu{\~{n}}oz{-}Leiva and
                  Juan S{\'{a}}nchez{-}Fern{\'{a}}ndez},
  title        = {Payment Systems in New Electronic Environments: Consumer Behavior
                  in Payment Systems via {SMS}},
  journal      = {Int. J. Inf. Technol. Decis. Mak.},
  volume       = {14},
  number       = {2},
  pages        = {421},
  year         = {2015},
  url          = {https://doi.org/10.1142/S0219622015500078},
  doi          = {10.1142/S0219622015500078},
  timestamp    = {Fri, 13 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijitdm/FranciscoFJ15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/itc/HeydariSCFA15,
  author       = {Mohammad Heydari and
                  Seyed Mohammad Sajad Sadough and
                  Shehzad Ashraf Chaudhry and
                  Mohammad Sabzinejad Farash and
                  Mohammad Reza Aref},
  title        = {An Improved Authentication Scheme for Electronic Payment Systems in
                  Global Mobility Networks},
  journal      = {Inf. Technol. Control.},
  volume       = {44},
  number       = {4},
  pages        = {387--403},
  year         = {2015},
  url          = {https://doi.org/10.5755/j01.itc.44.4.9197},
  doi          = {10.5755/J01.ITC.44.4.9197},
  timestamp    = {Tue, 26 Mar 2024 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/itc/HeydariSCFA15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jocec/Liebana-Cabanillas15,
  author       = {Francisco J. Li{\'{e}}bana{-}Cabanillas and
                  Francisco Mu{\~{n}}oz{-}Leiva and
                  Juan S{\'{a}}nchez{-}Fern{\'{a}}ndez},
  title        = {Behavioral Model of Younger Users in M-Payment Systems},
  journal      = {J. Organ. Comput. Electron. Commer.},
  volume       = {25},
  number       = {2},
  pages        = {169--190},
  year         = {2015},
  url          = {https://doi.org/10.1080/10919392.2015.1033947},
  doi          = {10.1080/10919392.2015.1033947},
  timestamp    = {Thu, 10 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jocec/Liebana-Cabanillas15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jsw/Anguranak15,
  author       = {Taweechai Anguranak},
  title        = {{NFC} Technology Payment System for Android Operation System},
  journal      = {J. Softw.},
  volume       = {10},
  number       = {11},
  pages        = {1265--1273},
  year         = {2015},
  url          = {https://doi.org/10.17706/jsw.10.11.1265-1273},
  doi          = {10.17706/JSW.10.11.1265-1273},
  timestamp    = {Fri, 07 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jsw/Anguranak15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/mcs/NawataK15,
  author       = {Kazumitsu Nawata and
                  Koichi Kawabuchi},
  title        = {Corrigendum to "Evaluation of the DPC-based inclusive payment system
                  in Japan for cataract operations by a new model" [Math. Comput. Simulation
                  93 {(2013)} 76-85]},
  journal      = {Math. Comput. Simul.},
  volume       = {109},
  pages        = {212--214},
  year         = {2015},
  url          = {https://doi.org/10.1016/j.matcom.2014.08.003},
  doi          = {10.1016/J.MATCOM.2014.08.003},
  timestamp    = {Wed, 04 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/mcs/NawataK15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/puc/AlhothailyACB15,
  author       = {Abdulrahman Alhothaily and
                  Arwa Alrawais and
                  Xiuzhen Cheng and
                  Rongfang Bie},
  title        = {A novel verification method for payment card systems},
  journal      = {Pers. Ubiquitous Comput.},
  volume       = {19},
  number       = {7},
  pages        = {1145--1156},
  year         = {2015},
  url          = {https://doi.org/10.1007/s00779-015-0881-9},
  doi          = {10.1007/S00779-015-0881-9},
  timestamp    = {Thu, 10 Mar 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/puc/AlhothailyACB15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/taasm/Liebana-Cabanillas15,
  author       = {Francisco J. Li{\'{e}}bana{-}Cabanillas and
                  Iviane Ramos de Luna and
                  Francisco J. Montoro{-}R{\'{\i}}os},
  title        = {User behaviour in {QR} mobile payment system: the {QR} Payment Acceptance
                  Model},
  journal      = {Technol. Anal. Strateg. Manag.},
  volume       = {27},
  number       = {9},
  pages        = {1031--1049},
  year         = {2015},
  url          = {https://doi.org/10.1080/09537325.2015.1047757},
  doi          = {10.1080/09537325.2015.1047757},
  timestamp    = {Mon, 26 Oct 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/taasm/Liebana-Cabanillas15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/aina/OjetundeSGI15,
  author       = {Babatunde Ojetunde and
                  Naoki Shibata and
                  Juntao Gao and
                  Minoru Ito},
  editor       = {Leonard Barolli and
                  Makoto Takizawa and
                  Fatos Xhafa and
                  Tomoya Enokido and
                  Jong Hyuk Park},
  title        = {An Endorsement-Based Mobile Payment System for a Disaster Area},
  booktitle    = {29th {IEEE} International Conference on Advanced Information Networking
                  and Applications, {AINA} 2015, Gwangju, South Korea, March 24-27,
                  2015},
  pages        = {482--489},
  publisher    = {{IEEE} Computer Society},
  year         = {2015},
  url          = {https://doi.org/10.1109/AINA.2015.225},
  doi          = {10.1109/AINA.2015.225},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/aina/OjetundeSGI15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/bwcca/Rui-xia15,
  author       = {Yang Rui{-}xia},
  editor       = {Leonard Barolli and
                  Fatos Xhafa and
                  Marek R. Ogiela and
                  Lidia Ogiela},
  title        = {Design of Secure Mobile Payment System Based on {IBC}},
  booktitle    = {10th International Conference on Broadband and Wireless Computing,
                  Communication and Applications, {BWCCA} 2015, Krakow, Poland, November
                  4-6, 2015},
  pages        = {422--425},
  publisher    = {{IEEE} Computer Society},
  year         = {2015},
  url          = {https://doi.org/10.1109/BWCCA.2015.14},
  doi          = {10.1109/BWCCA.2015.14},
  timestamp    = {Thu, 23 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/bwcca/Rui-xia15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/cdve/HuangDS015,
  author       = {Xiaodi Huang and
                  Xiaoling Dai and
                  Edwin Singh and
                  Weidong Huang},
  editor       = {Yuhua Luo},
  title        = {Evaluating a Micro-payment System for Mobile Electronic Commence},
  booktitle    = {Cooperative Design, Visualization, and Engineering - 12th International
                  Conference, {CDVE} 2015, Mallorca, Spain, September 20-23, 2015. Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {9320},
  pages        = {87--92},
  publisher    = {Springer},
  year         = {2015},
  url          = {https://doi.org/10.1007/978-3-319-24132-6\_11},
  doi          = {10.1007/978-3-319-24132-6\_11},
  timestamp    = {Sat, 19 Oct 2019 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/cdve/HuangDS015.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/crisis/OmoteT15,
  author       = {Kazumasa Omote and
                  Tran Phuong Thao},
  editor       = {Costas Lambrinoudakis and
                  Alban Gabillon},
  title        = {{POR-2P:} Network Coding-Based {POR} for Data Provision-Payment System},
  booktitle    = {Risks and Security of Internet and Systems - 10th International Conference,
                  CRiSIS 2015, Mytilene, Lesbos Island, Greece, July 20-22, 2015, Revised
                  Selected Papers},
  series       = {Lecture Notes in Computer Science},
  volume       = {9572},
  pages        = {188--206},
  publisher    = {Springer},
  year         = {2015},
  url          = {https://doi.org/10.1007/978-3-319-31811-0\_12},
  doi          = {10.1007/978-3-319-31811-0\_12},
  timestamp    = {Tue, 14 May 2019 10:00:41 +0200},
  biburl       = {https://dblp.org/rec/conf/crisis/OmoteT15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/csoc/EB15,
  author       = {Omid Mahdi Ebadati E. and
                  Sara Sadat Babaie},
  editor       = {Radek Silhavy and
                  Roman Senkerik and
                  Zuzana Kom{\'{\i}}nkov{\'{a}} Oplatkov{\'{a}} and
                  Zdenka Prokopova and
                  Petr Silhavy},
  title        = {Implementation of Two Stages k-Means Algorithm to Apply a Payment
                  System Provider Framework in Banking Systems},
  booktitle    = {Artificial Intelligence Perspectives and Applications - Proceedings
                  of the 4th Computer Science On-line Conference 2015 (CSOC2015), Vol
                  1: Artificial Intelligence Perspectives and Applications},
  series       = {Advances in Intelligent Systems and Computing},
  volume       = {347},
  pages        = {203--213},
  publisher    = {Springer},
  year         = {2015},
  url          = {https://doi.org/10.1007/978-3-319-18476-0\_21},
  doi          = {10.1007/978-3-319-18476-0\_21},
  timestamp    = {Sun, 02 Oct 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/csoc/EB15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ecis/GruschowKB15,
  author       = {Robert Maximilian Gr{\"{u}}schow and
                  Jan Kemper and
                  Malte Brettel},
  editor       = {J{\"{o}}rg Becker and
                  Jan vom Brocke and
                  Marco de Marco},
  title        = {Do Transaction Costs of Payment Systems Differ Across Customers in
                  E-commerce?},
  booktitle    = {23rd European Conference on Information Systems, {ECIS} 2015, M{\"{u}}nster,
                  Germany, May 26-29, 2015},
  year         = {2015},
  url          = {http://aisel.aisnet.org/ecis2015\_cr/64},
  timestamp    = {Thu, 22 Feb 2018 16:52:21 +0100},
  biburl       = {https://dblp.org/rec/conf/ecis/GruschowKB15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/fc/PalmieriP15,
  author       = {Paolo Palmieri and
                  Johan A. Pouwelse},
  editor       = {Rainer B{\"{o}}hme and
                  Tatsuaki Okamoto},
  title        = {Paying the Guard: An Entry-Guard-Based Payment System for Tor},
  booktitle    = {Financial Cryptography and Data Security - 19th International Conference,
                  {FC} 2015, San Juan, Puerto Rico, January 26-30, 2015, Revised Selected
                  Papers},
  series       = {Lecture Notes in Computer Science},
  volume       = {8975},
  pages        = {437--444},
  publisher    = {Springer},
  year         = {2015},
  url          = {https://doi.org/10.1007/978-3-662-47854-7\_26},
  doi          = {10.1007/978-3-662-47854-7\_26},
  timestamp    = {Tue, 14 May 2019 10:00:38 +0200},
  biburl       = {https://dblp.org/rec/conf/fc/PalmieriP15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/hicss/GuoKLM15,
  author       = {Zhiling Guo and
                  Robert J. Kauffman and
                  Mei Lin and
                  Dan Ma},
  editor       = {Tung X. Bui and
                  Ralph H. Sprague Jr.},
  title        = {Mechanism Design for Near Real-Time Retail Payment and Settlement
                  Systems},
  booktitle    = {48th Hawaii International Conference on System Sciences, {HICSS} 2015,
                  Kauai, Hawaii, USA, January 5-8, 2015},
  pages        = {4824--4833},
  publisher    = {{IEEE} Computer Society},
  year         = {2015},
  url          = {https://doi.org/10.1109/HICSS.2015.573},
  doi          = {10.1109/HICSS.2015.573},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/hicss/GuoKLM15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icacci/KaurK15,
  author       = {Gagandeep Kaur and
                  Arvinder Kaur},
  editor       = {Jaime Lloret Mauri and
                  Sabu M. Thampi and
                  Michal Wozniak and
                  Oge Marques and
                  Dilip Krishnaswamy and
                  Sartaj Sahni and
                  Christian Callegari and
                  Hideyuki Takagi and
                  Zoran S. Bojkovic and
                  Vinod M. and
                  Neeli R. Prasad and
                  Jos{\'{e}} M. Alcaraz Calero and
                  Joal Rodrigues and
                  Xinyu Que and
                  Natarajan Meghanathan and
                  Ravi S. Sandhu and
                  Edward Au},
  title        = {A key based security mechanism for payment status in cloud service
                  access control system},
  booktitle    = {2015 International Conference on Advances in Computing, Communications
                  and Informatics, {ICACCI} 2015, Kochi, India, August 10-13, 2015},
  pages        = {656--661},
  publisher    = {{IEEE}},
  year         = {2015},
  url          = {https://doi.org/10.1109/ICACCI.2015.7275685},
  doi          = {10.1109/ICACCI.2015.7275685},
  timestamp    = {Wed, 24 Apr 2024 14:55:54 +0200},
  biburl       = {https://dblp.org/rec/conf/icacci/KaurK15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icc/ZhaoZWZ15,
  author       = {Tianyu Zhao and
                  Chi Zhang and
                  Lingbo Wei and
                  Yanchao Zhang},
  title        = {A secure and privacy-preserving payment system for Electric vehicles},
  booktitle    = {2015 {IEEE} International Conference on Communications, {ICC} 2015,
                  London, United Kingdom, June 8-12, 2015},
  pages        = {7280--7285},
  publisher    = {{IEEE}},
  year         = {2015},
  url          = {https://doi.org/10.1109/ICC.2015.7249489},
  doi          = {10.1109/ICC.2015.7249489},
  timestamp    = {Thu, 14 Oct 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/icc/ZhaoZWZ15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iceis/CavallariAT15,
  author       = {Maurizio Cavallari and
                  Luca Adami and
                  Francesco Tornieri},
  editor       = {Slimane Hammoudi and
                  Leszek A. Maciaszek and
                  Ernest Teniente},
  title        = {Organisational Aspects and Anatomy of an Attack on {NFC/HCE} Mobile
                  Payment Systems},
  booktitle    = {{ICEIS} 2015 - Proceedings of the 17th International Conference on
                  Enterprise Information Systems, Volume 2, Barcelona, Spain, 27-30
                  April, 2015},
  pages        = {685--700},
  publisher    = {SciTePress},
  year         = {2015},
  url          = {https://doi.org/10.5220/0005477506850700},
  doi          = {10.5220/0005477506850700},
  timestamp    = {Tue, 21 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/iceis/CavallariAT15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/sscc/SureshkumarRA15,
  author       = {Venkatasamy Sureshkumar and
                  Anitha Ramalingam and
                  S. Anandhi},
  editor       = {Jemal H. Abawajy and
                  Sougata Mukherjea and
                  Sabu M. Thampi and
                  Antonio Ruiz{-}Mart{\'{\i}}nez},
  title        = {Analysis of Accountability Property in Payment Systems Using Strand
                  Space Model},
  booktitle    = {Security in Computing and Communications - Third International Symposium,
                  {SSCC} 2015, Kochi, India, August 10-13, 2015. Proceedings},
  series       = {Communications in Computer and Information Science},
  volume       = {536},
  pages        = {424--437},
  publisher    = {Springer},
  year         = {2015},
  url          = {https://doi.org/10.1007/978-3-319-22915-7\_39},
  doi          = {10.1007/978-3-319-22915-7\_39},
  timestamp    = {Thu, 15 Jun 2017 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/sscc/SureshkumarRA15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/webi/LimaP15,
  author       = {Rafael Fran{\c{c}}a Lima and
                  Adriano C{\'{e}}sar Machado Pereira},
  title        = {A Fraud Detection Model Based on Feature Selection and Undersampling
                  Applied to Web Payment Systems},
  booktitle    = {{IEEE/WIC/ACM} International Conference on Web Intelligence and Intelligent
                  Agent Technology, {WI-IAT} 2015, Singapore, December 6-9, 2015 - Volume
                  {III}},
  pages        = {219--222},
  publisher    = {{IEEE} Computer Society},
  year         = {2015},
  url          = {https://doi.org/10.1109/WI-IAT.2015.13},
  doi          = {10.1109/WI-IAT.2015.13},
  timestamp    = {Sun, 12 Nov 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/webi/LimaP15.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/amc/TingC14,
  author       = {Pin{-}Shou Ting and
                  Kun{-}Jen Chung},
  title        = {Some formulations for optimal solutions with delays in payment and
                  price-discount offers in the supply chain system},
  journal      = {Appl. Math. Comput.},
  volume       = {230},
  pages        = {180--192},
  year         = {2014},
  url          = {https://doi.org/10.1016/j.amc.2013.12.069},
  doi          = {10.1016/J.AMC.2013.12.069},
  timestamp    = {Fri, 21 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/amc/TingC14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/cacm/AndersonM14,
  author       = {Ross J. Anderson and
                  Steven J. Murdoch},
  title        = {{EMV:} why payment systems fail},
  journal      = {Commun. {ACM}},
  volume       = {57},
  number       = {6},
  pages        = {24--28},
  year         = {2014},
  url          = {https://doi.org/10.1145/2602321},
  doi          = {10.1145/2602321},
  timestamp    = {Sat, 09 Apr 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/cacm/AndersonM14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/chb/Liebana-CabanillasSM14,
  author       = {Francisco J. Li{\'{e}}bana{-}Cabanillas and
                  Juan S{\'{a}}nchez{-}Fern{\'{a}}ndez and
                  Francisco Mu{\~{n}}oz{-}Leiva},
  title        = {Antecedents of the adoption of the new mobile payment systems: The
                  moderating effect of age},
  journal      = {Comput. Hum. Behav.},
  volume       = {35},
  pages        = {464--478},
  year         = {2014},
  url          = {https://doi.org/10.1016/j.chb.2014.03.022},
  doi          = {10.1016/J.CHB.2014.03.022},
  timestamp    = {Tue, 18 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/chb/Liebana-CabanillasSM14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/compnet/MirandaSST14,
  author       = {Rodrigo Cesar de Castro Miranda and
                  Sergio Rubens Stancato de Souza and
                  Thiago Christiano Silva and
                  Benjamin Miranda Tabak},
  title        = {Connectivity and systemic risk in the Brazilian national payments
                  system},
  journal      = {J. Complex Networks},
  volume       = {2},
  number       = {4},
  pages        = {585--613},
  year         = {2014},
  url          = {https://doi.org/10.1093/comnet/cnu022},
  doi          = {10.1093/COMNET/CNU022},
  timestamp    = {Mon, 11 Jul 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/compnet/MirandaSST14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ecr/HuangDL14,
  author       = {Xiaodi Huang and
                  Xiaoling Dai and
                  Weiqiang Liang},
  title        = {BulaPay: a novel web service based third-party payment system for
                  e-commerce},
  journal      = {Electron. Commer. Res.},
  volume       = {14},
  number       = {4},
  pages        = {611--633},
  year         = {2014},
  url          = {https://doi.org/10.1007/s10660-014-9172-1},
  doi          = {10.1007/S10660-014-9172-1},
  timestamp    = {Fri, 13 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ecr/HuangDL14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ejisdc/HarrySB14,
  author       = {Ricardo Harry and
                  Kosheek Sewchurran and
                  Irwin Brown},
  title        = {Introducing a Mobile Payment System to an Emerging Economy's Mobile
                  Phone Subscriber Market. An Actor Network Perspective},
  journal      = {Electron. J. Inf. Syst. Dev. Ctries.},
  volume       = {62},
  number       = {1},
  pages        = {1--26},
  year         = {2014},
  url          = {https://doi.org/10.1002/j.1681-4835.2014.tb00442.x},
  doi          = {10.1002/J.1681-4835.2014.TB00442.X},
  timestamp    = {Wed, 07 Dec 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ejisdc/HarrySB14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/fgcs/00010MLW14,
  author       = {Xiaofeng Chen and
                  Jin Li and
                  Jianfeng Ma and
                  Wenjing Lou and
                  Duncan S. Wong},
  title        = {New and efficient conditional e-payment systems with transferability},
  journal      = {Future Gener. Comput. Syst.},
  volume       = {37},
  pages        = {252--258},
  year         = {2014},
  url          = {https://doi.org/10.1016/j.future.2013.07.015},
  doi          = {10.1016/J.FUTURE.2013.07.015},
  timestamp    = {Fri, 28 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/fgcs/00010MLW14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijdsn/NohLC14,
  author       = {Sun{-}Kuk Noh and
                  Seong{-}Ro Lee and
                  Dong{-}You Choi},
  title        = {Proposed M-Payment System Using Near-Field Communication and Based
                  on WSN-Enabled Location-Based Services for M-Commerce},
  journal      = {Int. J. Distributed Sens. Networks},
  volume       = {10},
  year         = {2014},
  url          = {https://doi.org/10.1155/2014/865172},
  doi          = {10.1155/2014/865172},
  timestamp    = {Sun, 21 Jun 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijdsn/NohLC14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijissc/TellaO14,
  author       = {Adeyinka Tella and
                  Gbolahan Olasina},
  title        = {Predicting Users' Continuance Intention Toward E-payment System: An
                  Extension of the Technology Acceptance Model},
  journal      = {Int. J. Inf. Syst. Soc. Chang.},
  volume       = {5},
  number       = {1},
  pages        = {47--67},
  year         = {2014},
  url          = {https://doi.org/10.4018/ijissc.2014010104},
  doi          = {10.4018/IJISSC.2014010104},
  timestamp    = {Thu, 06 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijissc/TellaO14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/itpro/IsaacS14,
  author       = {Jes{\'{u}}s T{\'{e}}llez Isaac and
                  Sherali Zeadally},
  title        = {Secure Mobile Payment Systems},
  journal      = {{IT} Prof.},
  volume       = {16},
  number       = {3},
  pages        = {36--43},
  year         = {2014},
  url          = {https://doi.org/10.1109/MITP.2014.40},
  doi          = {10.1109/MITP.2014.40},
  timestamp    = {Thu, 12 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/itpro/IsaacS14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jeco/SinghS14,
  author       = {Basudeo Singh and
                  K. S. Jasmine},
  title        = {A New Architecture of Mobile Payment System through Social Media Network},
  journal      = {J. Electron. Commer. Organ.},
  volume       = {12},
  number       = {3},
  pages        = {60--74},
  year         = {2014},
  url          = {https://doi.org/10.4018/jeco.2014070104},
  doi          = {10.4018/JECO.2014070104},
  timestamp    = {Wed, 27 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jeco/SinghS14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/tvt/AuLFJSZ14,
  author       = {Man Ho Au and
                  Joseph K. Liu and
                  Jun{-}bin Fang and
                  Zoe Lin Jiang and
                  Willy Susilo and
                  Jianying Zhou},
  title        = {A New Payment System for Enhancing Location Privacy of Electric Vehicles},
  journal      = {{IEEE} Trans. Veh. Technol.},
  volume       = {63},
  number       = {1},
  pages        = {3--18},
  year         = {2014},
  url          = {https://doi.org/10.1109/TVT.2013.2274288},
  doi          = {10.1109/TVT.2013.2274288},
  timestamp    = {Thu, 14 Oct 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/tvt/AuLFJSZ14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/atal/TsaoHH14,
  author       = {Yi{-}Ting Tsao and
                  Chiao{-}Ching Huang and
                  Jane Yung{-}jen Hsu},
  editor       = {Ana L. C. Bazzan and
                  Michael N. Huhns and
                  Alessio Lomuscio and
                  Paul Scerri},
  title        = {Demand-based apportionment on electricity payment of hvac systems},
  booktitle    = {International conference on Autonomous Agents and Multi-Agent Systems,
                  {AAMAS} '14, Paris, France, May 5-9, 2014},
  pages        = {1601--1602},
  publisher    = {{IFAAMAS/ACM}},
  year         = {2014},
  url          = {http://dl.acm.org/citation.cfm?id=2616082},
  timestamp    = {Thu, 25 Sep 2014 07:46:15 +0200},
  biburl       = {https://dblp.org/rec/conf/atal/TsaoHH14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/bdcloud/BeikverdiKS14,
  author       = {Alireza Beikverdi and
                  InHwan Kim and
                  JooSeok Song},
  title        = {Centralized Payment System Using Social Networks Account},
  booktitle    = {2014 {IEEE} Fourth International Conference on Big Data and Cloud
                  Computing, BDCloud 2014, Sydney, Australia, December 3-5, 2014},
  pages        = {493--499},
  publisher    = {{IEEE} Computer Society},
  year         = {2014},
  url          = {https://doi.org/10.1109/BDCloud.2014.39},
  doi          = {10.1109/BDCLOUD.2014.39},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/bdcloud/BeikverdiKS14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/besc/Alexandrova-Kabadjova14,
  author       = {Biliana Alexandrova{-}Kabadjova and
                  Antoaneta Serguieva and
                  Liliana Garcia{-}Ochoa},
  title        = {Formation of tectonic wave networks: Dynamics of the Mexican payment
                  system structure},
  booktitle    = {2014 International Conference on Behavioral, Economic, and Socio-Cultural
                  Computing, {BESC} 2014, Shanghai, China, October 30 - November 1,
                  2014},
  pages        = {150--156},
  publisher    = {{IEEE}},
  year         = {2014},
  url          = {https://doi.org/10.1109/BESC.2014.7059524},
  doi          = {10.1109/BESC.2014.7059524},
  timestamp    = {Wed, 16 Oct 2019 14:14:56 +0200},
  biburl       = {https://dblp.org/rec/conf/besc/Alexandrova-Kabadjova14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ccis/RuanXL14,
  author       = {Chuang Ruan and
                  Fang Xiao and
                  Jianping Luo},
  title        = {Desgn and implementation of mobile payment system for intelligent
                  travel},
  booktitle    = {{IEEE} 3rd International Conference on Cloud Computing and Intelligence
                  Systems, {CCIS} 2014, Shenzhen, China, November 27-29, 2014},
  pages        = {547--552},
  publisher    = {{IEEE}},
  year         = {2014},
  url          = {https://doi.org/10.1109/CCIS.2014.7175796},
  doi          = {10.1109/CCIS.2014.7175796},
  timestamp    = {Wed, 16 Oct 2019 14:14:57 +0200},
  biburl       = {https://dblp.org/rec/conf/ccis/RuanXL14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/chi/HillmanNOP14,
  author       = {Serena Hillman and
                  Carman Neustaedter and
                  Erick Oduor and
                  Carolyn Pang},
  editor       = {Matt Jones and
                  Philippe A. Palanque and
                  Albrecht Schmidt and
                  Tovi Grossman},
  title        = {Mobile payment systems in North America: user challenges {\&}
                  successes},
  booktitle    = {{CHI} Conference on Human Factors in Computing Systems, CHI'14, Toronto,
                  ON, Canada - April 26 - May 01, 2014, Extended Abstracts},
  pages        = {1909--1914},
  publisher    = {{ACM}},
  year         = {2014},
  url          = {https://doi.org/10.1145/2559206.2581178},
  doi          = {10.1145/2559206.2581178},
  timestamp    = {Fri, 12 Mar 2021 15:27:48 +0100},
  biburl       = {https://dblp.org/rec/conf/chi/HillmanNOP14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/emtc/VizzarriV14,
  author       = {Alessandro Vizzarri and
                  Francesco Vatalaro},
  title        = {m-Payment systems: Technologies and business models},
  booktitle    = {Euro Med Telco Conference, {EMTC} 2014, Naples, Italy, November 12-15,
                  2014},
  pages        = {1--6},
  publisher    = {{IEEE}},
  year         = {2014},
  url          = {https://doi.org/10.1109/EMTC.2014.6996626},
  doi          = {10.1109/EMTC.2014.6996626},
  timestamp    = {Wed, 16 Oct 2019 14:14:49 +0200},
  biburl       = {https://dblp.org/rec/conf/emtc/VizzarriV14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/fc/MurdochA14,
  author       = {Steven J. Murdoch and
                  Ross J. Anderson},
  editor       = {Nicolas Christin and
                  Reihaneh Safavi{-}Naini},
  title        = {Security Protocols and Evidence: Where Many Payment Systems Fail},
  booktitle    = {Financial Cryptography and Data Security - 18th International Conference,
                  {FC} 2014, Christ Church, Barbados, March 3-7, 2014, Revised Selected
                  Papers},
  series       = {Lecture Notes in Computer Science},
  volume       = {8437},
  pages        = {21--32},
  publisher    = {Springer},
  year         = {2014},
  url          = {https://doi.org/10.1007/978-3-662-45472-5\_2},
  doi          = {10.1007/978-3-662-45472-5\_2},
  timestamp    = {Tue, 21 Mar 2023 20:59:40 +0100},
  biburl       = {https://dblp.org/rec/conf/fc/MurdochA14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/pacis/ParkI14,
  author       = {Hun Myoung Park and
                  Mohammad Tarikul Islam},
  editor       = {Keng Siau and
                  Qing Li and
                  Xunhua Guo},
  title        = {The potential and Limitations of a Public Mobile Payment Service:
                  did Bangladesh Electronic Money Transfer System Make a difference
                  in "Unbanked" Communities?},
  booktitle    = {18th Pacific Asia Conference on Information Systems, {PACIS} 2014,
                  Chengdu, China, June 24-28, 2014},
  pages        = {122},
  year         = {2014},
  url          = {http://aisel.aisnet.org/pacis2014/122},
  timestamp    = {Tue, 25 Nov 2014 12:58:45 +0100},
  biburl       = {https://dblp.org/rec/conf/pacis/ParkI14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/sec/BahtiyarGA14,
  author       = {Serif Bahtiyar and
                  G{\"{u}}rkan G{\"{u}}r and
                  Levent Altay},
  editor       = {Nora Cuppens{-}Boulahia and
                  Fr{\'{e}}d{\'{e}}ric Cuppens and
                  Sushil Jajodia and
                  Anas Abou El Kalam and
                  Thierry Sans},
  title        = {Security Assessment of Payment Systems under {PCI} {DSS} Incompatibilities},
  booktitle    = {{ICT} Systems Security and Privacy Protection - 29th {IFIP} {TC} 11
                  International Conference, {SEC} 2014, Marrakech, Morocco, June 2-4,
                  2014. Proceedings},
  series       = {{IFIP} Advances in Information and Communication Technology},
  volume       = {428},
  pages        = {395--402},
  publisher    = {Springer},
  year         = {2014},
  url          = {https://doi.org/10.1007/978-3-642-55415-5\_33},
  doi          = {10.1007/978-3-642-55415-5\_33},
  timestamp    = {Mon, 05 Feb 2024 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/sec/BahtiyarGA14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/vtc/HeAYT14,
  author       = {Yejun He and
                  Jiefeng Ao and
                  Jie Yang and
                  Xiaorong Tang},
  title        = {The Shielding-Effectiveness Based Magnetic Field Shielding Theory
                  and Its Application in Mobile Payment Systems},
  booktitle    = {{IEEE} 80th Vehicular Technology Conference, {VTC} Fall 2014, Vancouver,
                  BC, Canada, September 14-17, 2014},
  pages        = {1--5},
  publisher    = {{IEEE}},
  year         = {2014},
  url          = {https://doi.org/10.1109/VTCFall.2014.6966203},
  doi          = {10.1109/VTCFALL.2014.6966203},
  timestamp    = {Wed, 16 Oct 2019 14:14:50 +0200},
  biburl       = {https://dblp.org/rec/conf/vtc/HeAYT14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/wasa/AlhothailyACB14,
  author       = {Abdulrahman Alhothaily and
                  Arwa Alrawais and
                  Xiuzhen Cheng and
                  Rongfang Bie},
  editor       = {Zhipeng Cai and
                  Chaokun Wang and
                  Siyao Cheng and
                  Hongzhi Wang and
                  Hong Gao},
  title        = {Towards More Secure Cardholder Verification in Payment Systems},
  booktitle    = {Wireless Algorithms, Systems, and Applications - 9th International
                  Conference, {WASA} 2014, Harbin, China, June 23-25, 2014. Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {8491},
  pages        = {356--367},
  publisher    = {Springer},
  year         = {2014},
  url          = {https://doi.org/10.1007/978-3-319-07782-6\_33},
  doi          = {10.1007/978-3-319-07782-6\_33},
  timestamp    = {Thu, 10 Mar 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/wasa/AlhothailyACB14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/wcsp/ZhaoCWY14,
  author       = {Tianyu Zhao and
                  Chang Chen and
                  Lingbo Wei and
                  Mengke Yu},
  title        = {An anonymous payment system to protect the privacy of electric vehicles},
  booktitle    = {Sixth International Conference on Wireless Communications and Signal
                  Processing, {WCSP} 2014, Hefei, China, October 23-25, 2014},
  pages        = {1--6},
  publisher    = {{IEEE}},
  year         = {2014},
  url          = {https://doi.org/10.1109/WCSP.2014.6992208},
  doi          = {10.1109/WCSP.2014.6992208},
  timestamp    = {Thu, 14 Oct 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/wcsp/ZhaoCWY14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/MohammadiB14,
  author       = {Mahdi Soodkhah Mohammadi and
                  Abbas Ghaemi Bafghi},
  title        = {A Privacy-Preserving Electronic Payment System for {DRM}},
  journal      = {CoRR},
  volume       = {abs/1408.6970},
  year         = {2014},
  url          = {http://arxiv.org/abs/1408.6970},
  eprinttype    = {arXiv},
  eprint       = {1408.6970},
  timestamp    = {Mon, 13 Aug 2018 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/MohammadiB14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/SahaS14,
  author       = {Amal Saha and
                  Sugata Sanyal},
  title        = {Analysis of Applicability of {ISO} 9564 {PIN} based Authentication
                  to Closed-Loop Mobile Payment Systems},
  journal      = {CoRR},
  volume       = {abs/1411.2939},
  year         = {2014},
  url          = {http://arxiv.org/abs/1411.2939},
  eprinttype    = {arXiv},
  eprint       = {1411.2939},
  timestamp    = {Mon, 13 Aug 2018 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/SahaS14.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/mcs/NawataK13,
  author       = {Kazumitsu Nawata and
                  Koichi Kawabuchi},
  title        = {Evaluation of the DPC-based inclusive payment system in Japan for
                  cataract operations by a new model},
  journal      = {Math. Comput. Simul.},
  volume       = {93},
  pages        = {76--85},
  year         = {2013},
  url          = {https://doi.org/10.1016/j.matcom.2012.08.004},
  doi          = {10.1016/J.MATCOM.2012.08.004},
  timestamp    = {Wed, 04 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/mcs/NawataK13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/tpds/DiW13a,
  author       = {Sheng Di and
                  Cho{-}Li Wang},
  title        = {Error-Tolerant Resource Allocation and Payment Minimization for Cloud
                  System},
  journal      = {{IEEE} Trans. Parallel Distributed Syst.},
  volume       = {24},
  number       = {6},
  pages        = {1097--1106},
  year         = {2013},
  url          = {https://doi.org/10.1109/TPDS.2012.309},
  doi          = {10.1109/TPDS.2012.309},
  timestamp    = {Fri, 02 Oct 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/tpds/DiW13a.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/vtm/Glickenstein13a,
  author       = {Harvey Glickenstein},
  title        = {Contactless payment debuts on London's buses, new and improved railways
                  around the world [Transportation Systems]},
  journal      = {{IEEE} Veh. Technol. Mag.},
  volume       = {8},
  number       = {2},
  pages        = {19--25},
  year         = {2013},
  url          = {https://doi.org/10.1109/MVT.2013.2252268},
  doi          = {10.1109/MVT.2013.2252268},
  timestamp    = {Tue, 01 Jun 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/vtm/Glickenstein13a.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/vtm/Glickenstein13c,
  author       = {Harvey Glickenstein},
  title        = {Worldwide Transit Upgraded: Art on Rails, New and Improved Systems,
                  and Easier Payment [Transportation Systems]},
  journal      = {{IEEE} Veh. Technol. Mag.},
  volume       = {8},
  number       = {4},
  pages        = {13--17},
  year         = {2013},
  url          = {https://doi.org/10.1109/MVT.2013.2281678},
  doi          = {10.1109/MVT.2013.2281678},
  timestamp    = {Tue, 01 Jun 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/vtm/Glickenstein13c.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/IEEEcloud/DiWKH13,
  author       = {Sheng Di and
                  Cho{-}Li Wang and
                  Derrick Kondo and
                  Guodong Han},
  title        = {Towards Payment-Bound Analysis in Cloud Systems with Task-Prediction
                  Errors},
  booktitle    = {2013 {IEEE} Sixth International Conference on Cloud Computing, Santa
                  Clara, CA, USA, June 28 - July 3, 2013},
  pages        = {502--509},
  publisher    = {{IEEE} Computer Society},
  year         = {2013},
  url          = {https://doi.org/10.1109/CLOUD.2013.135},
  doi          = {10.1109/CLOUD.2013.135},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/IEEEcloud/DiWKH13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/africom/NyirendaC13,
  author       = {Menard Nyirenda and
                  Patrick Albert Chikumba},
  editor       = {Tegawend{\'{e}} F. Bissyand{\'{e}} and
                  Gertjan van Stam},
  title        = {Consumer Adoption of Mobile Payment Systems in Malawi: Case of Airtel
                  Malawi {ZAP} in Blantyre City},
  booktitle    = {e-Infrastructure and e-Services for Developing Countries - 5th International
                  Conference, {AFRICOMM} 2013, Blantyre, Malawi, November 25-27, 2013,
                  Revised Selected Papers},
  series       = {Lecture Notes of the Institute for Computer Sciences, Social Informatics
                  and Telecommunications Engineering},
  volume       = {135},
  pages        = {178--187},
  publisher    = {Springer},
  year         = {2013},
  url          = {https://doi.org/10.1007/978-3-319-08368-1\_22},
  doi          = {10.1007/978-3-319-08368-1\_22},
  timestamp    = {Sun, 25 Oct 2020 22:50:40 +0100},
  biburl       = {https://dblp.org/rec/conf/africom/NyirendaC13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/fc/RuppHBP13,
  author       = {Andy Rupp and
                  Gesine Hinterw{\"{a}}lder and
                  Foteini Baldimtsi and
                  Christof Paar},
  editor       = {Ahmad{-}Reza Sadeghi},
  title        = {{P4R:} Privacy-Preserving Pre-Payments with Refunds for Transportation
                  Systems},
  booktitle    = {Financial Cryptography and Data Security - 17th International Conference,
                  {FC} 2013, Okinawa, Japan, April 1-5, 2013, Revised Selected Papers},
  series       = {Lecture Notes in Computer Science},
  volume       = {7859},
  pages        = {205--212},
  publisher    = {Springer},
  year         = {2013},
  url          = {https://doi.org/10.1007/978-3-642-39884-1\_17},
  doi          = {10.1007/978-3-642-39884-1\_17},
  timestamp    = {Tue, 14 May 2019 10:00:38 +0200},
  biburl       = {https://dblp.org/rec/conf/fc/RuppHBP13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/fedcsis/TrusiewiczWK13,
  author       = {Piotr Trusiewicz and
                  Maciej Witan and
                  Marcin Kuzia},
  editor       = {Maria Ganzha and
                  Leszek A. Maciaszek and
                  Marcin Paprzycki},
  title        = {Mobile Payment System - Telco 2.0 application dedicated for payments},
  booktitle    = {Proceedings of the 2013 Federated Conference on Computer Science and
                  Information Systems, Krak{\'{o}}w, Poland, September 8-11, 2013},
  pages        = {859--864},
  year         = {2013},
  url          = {https://ieeexplore.ieee.org/document/6644110/},
  timestamp    = {Mon, 09 Aug 2021 14:54:05 +0200},
  biburl       = {https://dblp.org/rec/conf/fedcsis/TrusiewiczWK13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/hicss/KauffmanLM13,
  author       = {Robert J. Kauffman and
                  Jun Liu and
                  Dan Ma},
  title        = {Technology Investment Decision-Making under Uncertainty: The Case
                  of Mobile Payment Systems},
  booktitle    = {46th Hawaii International Conference on System Sciences, {HICSS} 2013,
                  Wailea, HI, USA, January 7-10, 2013},
  pages        = {4166--4175},
  publisher    = {{IEEE} Computer Society},
  year         = {2013},
  url          = {https://doi.org/10.1109/HICSS.2013.624},
  doi          = {10.1109/HICSS.2013.624},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/hicss/KauffmanLM13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/his2/MagnaniF13,
  author       = {Denise Magnani and
                  Michael Freed},
  editor       = {Guangyan Huang and
                  Xiaohui Liu and
                  Jing He and
                  Frank Klawonn and
                  Guiqing Yao},
  title        = {Payment Information Calculation System {(PICS)} Healthcare Quality
                  Measure Specification},
  booktitle    = {Health Information Science - Second International Conference, {HIS}
                  2013, London, UK, March 25-27, 2013. Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {7798},
  pages        = {244--249},
  publisher    = {Springer},
  year         = {2013},
  url          = {https://doi.org/10.1007/978-3-642-37899-7\_21},
  doi          = {10.1007/978-3-642-37899-7\_21},
  timestamp    = {Tue, 14 May 2019 10:00:36 +0200},
  biburl       = {https://dblp.org/rec/conf/his2/MagnaniF13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icssi/LinPLLC13,
  author       = {Fu{-}Ren Lin and
                  Rung{-}Wei Po and
                  Min{-}Chen Lin and
                  Wen{-}Ya Lin and
                  Benjamin Chang},
  title        = {Modeling an Agent-Based Healthcare Service System: An Exploration
                  of the Capitation Payment Scheme of Zhishan-CHG in Taiwan},
  booktitle    = {Fifth International Conference on Service Science and Innovation,
                  {ICSSI} 2013, 29-31 May, 2013, Kaohsiung, Taiwan},
  pages        = {67--74},
  publisher    = {{IEEE} Computer Society},
  year         = {2013},
  url          = {https://doi.org/10.1109/ICSSI.2013.42},
  doi          = {10.1109/ICSSI.2013.42},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/icssi/LinPLLC13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/idaacs/DudykevychBL13,
  author       = {Valeriy Dudykevych and
                  Oleksandra Bakay and
                  Yuriy Lakh},
  title        = {Investigation of Payment Cards systems information security control},
  booktitle    = {{IEEE} 7th International Conference on Intelligent Data Acquisition
                  and Advanced Computing Systems, {IDAACS} 2013, Berlin, Germany, September
                  12-14, 2013},
  pages        = {651--654},
  publisher    = {{IEEE}},
  year         = {2013},
  url          = {https://doi.org/10.1109/IDAACS.2013.6663005},
  doi          = {10.1109/IDAACS.2013.6663005},
  timestamp    = {Sat, 19 Oct 2019 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/idaacs/DudykevychBL13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/interact/MaurerLHHHLPRSTTZSHB13,
  author       = {Max{-}Emanuel Maurer and
                  Alexander De Luca and
                  Alina Hang and
                  Doris Hausen and
                  Fabian Hennecke and
                  Sebastian Loehmann and
                  Henri Palleis and
                  Hendrik Richter and
                  Simon Stusak and
                  Aur{\'{e}}lien Tabard and
                  Sarah Tausch and
                  Emanuel von Zezschwitz and
                  Franziska Schwamb and
                  Heinrich Hussmann and
                  Andreas Butz},
  editor       = {Paula Kotz{\'{e}} and
                  Gary Marsden and
                  Gitte Lindgaard and
                  Janet Wesson and
                  Marco Winckler},
  title        = {Long-Term Experiences with an Iterative Design of a QR-Code-Based
                  Payment System for Beverages},
  booktitle    = {Human-Computer Interaction - {INTERACT} 2013 - 14th {IFIP} {TC} 13
                  International Conference, Cape Town, South Africa, September 2-6,
                  2013, Proceedings, Part {IV}},
  series       = {Lecture Notes in Computer Science},
  volume       = {8120},
  pages        = {587--594},
  publisher    = {Springer},
  year         = {2013},
  url          = {https://doi.org/10.1007/978-3-642-40498-6\_49},
  doi          = {10.1007/978-3-642-40498-6\_49},
  timestamp    = {Thu, 14 Oct 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/interact/MaurerLHHHLPRSTTZSHB13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/pet/HinterwalderZBLPB13,
  author       = {Gesine Hinterw{\"{a}}lder and
                  Christian T. Zenger and
                  Foteini Baldimtsi and
                  Anna Lysyanskaya and
                  Christof Paar and
                  Wayne P. Burleson},
  editor       = {Emiliano De Cristofaro and
                  Matthew K. Wright},
  title        = {Efficient E-Cash in Practice: NFC-Based Payments for Public Transportation
                  Systems},
  booktitle    = {Privacy Enhancing Technologies - 13th International Symposium, {PETS}
                  2013, Bloomington, IN, USA, July 10-12, 2013. Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {7981},
  pages        = {40--59},
  publisher    = {Springer},
  year         = {2013},
  url          = {https://doi.org/10.1007/978-3-642-39077-7\_3},
  doi          = {10.1007/978-3-642-39077-7\_3},
  timestamp    = {Tue, 14 May 2019 10:00:38 +0200},
  biburl       = {https://dblp.org/rec/conf/pet/HinterwalderZBLPB13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/sitis/MirandaST13,
  author       = {Rodrigo Cesar de Castro Miranda and
                  Sergio Rubens Stancato de Souza and
                  Benjamin Miranda Tabak},
  editor       = {Kokou Y{\'{e}}tongnon and
                  Albert Dipanda and
                  Richard Chbeir},
  title        = {Connectivity and Systemic Risk in the Brazilian National Payments
                  System},
  booktitle    = {Ninth International Conference on Signal-Image Technology {\&}
                  Internet-Based Systems, {SITIS} 2013, Kyoto, Japan, December 2-5,
                  2013},
  pages        = {561--568},
  publisher    = {{IEEE} Computer Society},
  year         = {2013},
  url          = {https://doi.org/10.1109/SITIS.2013.93},
  doi          = {10.1109/SITIS.2013.93},
  timestamp    = {Thu, 23 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/sitis/MirandaST13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/smartgreens/RaadS13,
  author       = {Muhammad Wasim Raad and
                  Tarek R. Sheltami},
  editor       = {Brian Donnellan and
                  Jo{\~{a}}o F. A. Martins and
                  Markus Helfert and
                  Karl{-}Heinz Krempels},
  title        = {An {RFID} based Toll Payment System for Green World},
  booktitle    = {{SMARTGREENS} 2013 - Proceedings of the 2nd International Conference
                  on Smart Grids and Green {IT} Systems, Aachen, Germany, 9-10 May,
                  2013},
  pages        = {77--81},
  publisher    = {SciTePress},
  year         = {2013},
  url          = {https://doi.org/10.5220/0004407900770081},
  doi          = {10.5220/0004407900770081},
  timestamp    = {Sat, 04 Mar 2023 00:34:02 +0100},
  biburl       = {https://dblp.org/rec/conf/smartgreens/RaadS13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/worldcist/JoseORMC13,
  author       = {Rui Jos{\'{e}} and
                  Nuno Otero and
                  Helena Rodrigues and
                  Filipe Meneses and
                  Odete Coelho},
  editor       = {{\'{A}}lvaro Rocha and
                  Ana Maria Ramalho Correia and
                  Tom Wilson and
                  Karl A. Stroetmann},
  title        = {Exploring the Design Space of Mobile Payment Systems},
  booktitle    = {Advances in Information Systems and Technologies [WorldCIST'13, Olh{\~{a}}o,
                  Algarve, Portugal, March 27-30, 2013]},
  series       = {Advances in Intelligent Systems and Computing},
  volume       = {206},
  pages        = {1095--1104},
  publisher    = {Springer},
  year         = {2013},
  url          = {https://doi.org/10.1007/978-3-642-36981-0\_104},
  doi          = {10.1007/978-3-642-36981-0\_104},
  timestamp    = {Wed, 21 Oct 2020 09:19:55 +0200},
  biburl       = {https://dblp.org/rec/conf/worldcist/JoseORMC13.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijea/KeramatiSAS12,
  author       = {Abbas Keramati and
                  H. Javadi Sharif and
                  Naser Azad and
                  Rahman Soofifard},
  title        = {Role of Subjective Norms and Perceived Behavioral Control of Tax Payers
                  in Acceptance of E-Tax Payment System},
  journal      = {Int. J. {E} Adopt.},
  volume       = {4},
  number       = {3},
  pages        = {1--14},
  year         = {2012},
  url          = {https://doi.org/10.4018/jea.2012070101},
  doi          = {10.4018/JEA.2012070101},
  timestamp    = {Mon, 03 Jan 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijea/KeramatiSAS12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijea/Tella12,
  author       = {Adeyinka Tella},
  title        = {Determinants of E-Payment Systems Success: {A} User's Satisfaction
                  Perspective},
  journal      = {Int. J. {E} Adopt.},
  volume       = {4},
  number       = {3},
  pages        = {15--38},
  year         = {2012},
  url          = {https://doi.org/10.4018/jea.2012070102},
  doi          = {10.4018/JEA.2012070102},
  timestamp    = {Thu, 16 Apr 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijea/Tella12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijsita/PetersonH12,
  author       = {Derek Peterson and
                  Caroline Howard},
  title        = {Electronic Payment Systems Evaluation: {A} Case Study to Examine System
                  Selection Criteria and Impacts},
  journal      = {Int. J. Strateg. Inf. Technol. Appl.},
  volume       = {3},
  number       = {1},
  pages        = {66--80},
  year         = {2012},
  url          = {https://doi.org/10.4018/jsita.2012010105},
  doi          = {10.4018/JSITA.2012010105},
  timestamp    = {Fri, 03 Jul 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijsita/PetersonH12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jips/CheongFLCY12,
  author       = {Chi Po Cheong and
                  Simon Fong and
                  Pouwan Lei and
                  Chris R. Chatwin and
                  Rupert C. D. Young},
  title        = {Designing an Efficient and Secure Credit Cardbased Payment System
                  with Web Services Based on the {ANSI} {X9.59-2006}},
  journal      = {J. Inf. Process. Syst.},
  volume       = {8},
  number       = {3},
  pages        = {495--520},
  year         = {2012},
  url          = {https://doi.org/10.3745/JIPS.2012.8.3.495},
  doi          = {10.3745/JIPS.2012.8.3.495},
  timestamp    = {Tue, 27 Apr 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jips/CheongFLCY12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jsw/ZhangMSZ12,
  author       = {Wei Zhang and
                  Wenke Ma and
                  Huiling Shi and
                  Fu{-}qiang Zhu},
  title        = {Model Checking and Verification of the Internet Payment System with
                  {SPIN}},
  journal      = {J. Softw.},
  volume       = {7},
  number       = {9},
  pages        = {1941--1949},
  year         = {2012},
  url          = {https://doi.org/10.4304/jsw.7.9.1941-1949},
  doi          = {10.4304/JSW.7.9.1941-1949},
  timestamp    = {Tue, 15 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jsw/ZhangMSZ12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/lp/ThomsonK12,
  author       = {Simon Thomson and
                  Robert Kurn},
  title        = {Open Access Key: a new system for managing author publication payments},
  journal      = {Learn. Publ.},
  volume       = {25},
  number       = {3},
  pages        = {182--187},
  year         = {2012},
  url          = {https://doi.org/10.1087/20120304},
  doi          = {10.1087/20120304},
  timestamp    = {Thu, 16 Jul 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/lp/ThomsonK12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ACMicec/KauffmanLM12,
  author       = {Robert J. Kauffman and
                  Jun Liu and
                  Dan Ma},
  editor       = {Robert J. Kauffman and
                  Martin Bichler and
                  Hoong Chuin Lau and
                  Yinping Yang and
                  Christopher C. Yang},
  title        = {Investment timing for mobile payment systems},
  booktitle    = {Fourteenth International Conference on Electronic Commerce, {ICEC}
                  '12, Singapore, August 7-8, 2012},
  pages        = {169--170},
  publisher    = {{ACM}},
  year         = {2012},
  url          = {https://doi.org/10.1145/2346536.2346569},
  doi          = {10.1145/2346536.2346569},
  timestamp    = {Fri, 09 Apr 2021 18:43:35 +0200},
  biburl       = {https://dblp.org/rec/conf/ACMicec/KauffmanLM12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/acity/DwivediDKPD12,
  author       = {Akhilesh Dwivedi and
                  Abhishek Dwivedi and
                  Suresh Kumar and
                  Satish Kumar Pandey and
                  Priyanka Dabra},
  editor       = {Natarajan Meghanathan and
                  Dhinaharan Nagamalai and
                  Nabendu Chaki},
  title        = {A Cryptographic Algorithm Analysis for Security Threats of Semantic
                  E-Commerce Web {(SECW)} for Electronic Payment Transaction System},
  booktitle    = {Advances in Computing and Information Technology - Proceedings of
                  the Second International Conference on Advances in Computing and Information
                  Technology {(ACITY)} July 13-15, 2012, Chennai, India - Volume 3},
  series       = {Advances in Intelligent Systems and Computing},
  volume       = {178},
  pages        = {367--379},
  publisher    = {Springer},
  year         = {2012},
  url          = {https://doi.org/10.1007/978-3-642-31600-5\_36},
  doi          = {10.1007/978-3-642-31600-5\_36},
  timestamp    = {Thu, 25 May 2017 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/acity/DwivediDKPD12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icaart/BadiaaMSK12,
  author       = {Badi{\^{a}}a Hedjazi and
                  Mohamed Ahmed{-}Nacer and
                  Samir Aknine and
                  Karima Benatchba},
  editor       = {Joaquim Filipe and
                  Ana L. N. Fred},
  title        = {Interbank Payment System {(RTGS)} Simulation using Multi-agent Approach},
  booktitle    = {{ICAART} 2012 - Proceedings of the 4th International Conference on
                  Agents and Artificial Intelligence, Volume 2 - Agents, Vilamoura,
                  Algarve, Portugal, 6-8 February, 2012},
  pages        = {362--365},
  publisher    = {SciTePress},
  year         = {2012},
  timestamp    = {Tue, 27 Nov 2012 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/icaart/BadiaaMSK12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icdip/Guo12,
  author       = {Hongliang Guo},
  editor       = {Mohamed Othman and
                  Sukumar Senthilkumar and
                  Xie Yi},
  title        = {The research on electronic commerce security payment system based
                  on set protocol},
  booktitle    = {Fourth International Conference on Digital Image Processing, {ICDIP}
                  2012, Kuala Lumpur, Malaysia, April 7-8, 2012},
  series       = {{SPIE} Proceedings},
  volume       = {8334},
  pages        = {83342Q},
  publisher    = {{SPIE}},
  year         = {2012},
  url          = {https://doi.org/10.1117/12.956444},
  doi          = {10.1117/12.956444},
  timestamp    = {Mon, 22 May 2017 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/icdip/Guo12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iciss/ChandraY12,
  author       = {Girish Chandra and
                  Divakar Yadav},
  editor       = {Venkat N. Venkatakrishnan and
                  Diganta Goswami},
  title        = {Verification of Money Atomicity in Digital Cash Based Payment System},
  booktitle    = {Information Systems Security, 8th International Conference, {ICISS}
                  2012, Guwahati, India, December 15-19, 2012. Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {7671},
  pages        = {249--264},
  publisher    = {Springer},
  year         = {2012},
  url          = {https://doi.org/10.1007/978-3-642-35130-3\_18},
  doi          = {10.1007/978-3-642-35130-3\_18},
  timestamp    = {Sat, 30 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/iciss/ChandraY12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/idaacssws/Essbach12,
  author       = {Jan Essbach},
  title        = {An approach to a decentral mobile payment system using {NFC} and the
                  German eID-Card},
  booktitle    = {1st International {IEEE} Symposium on Wireless Systems, {IDAACS-SWS}
                  2012, Offenburg, Germany, September 20-21, 2012},
  pages        = {67--71},
  publisher    = {{IEEE}},
  year         = {2012},
  url          = {https://doi.org/10.1109/IDAACS-SWS.2012.6377635},
  doi          = {10.1109/IDAACS-SWS.2012.6377635},
  timestamp    = {Tue, 30 Nov 2021 15:25:38 +0100},
  biburl       = {https://dblp.org/rec/conf/idaacssws/Essbach12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/imis/RoehrsCB12,
  author       = {Alex Roehrs and
                  Cristiano Andr{\'{e}} da Costa and
                  Jorge Luis Vict{\'{o}}ria Barbosa},
  editor       = {Ilsun You and
                  Leonard Barolli and
                  Antonio Gentile and
                  Hae{-}Duck Joshua Jeong and
                  Marek R. Ogiela and
                  Fatos Xhafa},
  title        = {A Proposal of a Mobile Payment System Based on Android},
  booktitle    = {Sixth International Conference on Innovative Mobile and Internet Services
                  in Ubiquitous Computing, {IMIS} 2012, Palermo, Italy, July 4-6, 2012},
  pages        = {617--622},
  publisher    = {{IEEE} Computer Society},
  year         = {2012},
  url          = {https://doi.org/10.1109/IMIS.2012.86},
  doi          = {10.1109/IMIS.2012.86},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/imis/RoehrsCB12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/itst/TsengTSK12,
  author       = {Huei{-}Ru Tseng and
                  Shu{-}Kang Tseng and
                  Tzu{-}Hsiang Su and
                  Po{-}Chun Kang},
  title        = {Design and implementation of {WAVE/DSRC} payment systems},
  booktitle    = {12th International Conference on {ITS} Telecommunications, {ITST}
                  2012, Taipei, Taiwan, November 5-8, 2012},
  pages        = {66--70},
  publisher    = {{IEEE}},
  year         = {2012},
  url          = {https://doi.org/10.1109/ITST.2012.6425266},
  doi          = {10.1109/ITST.2012.6425266},
  timestamp    = {Wed, 16 Oct 2019 14:14:53 +0200},
  biburl       = {https://dblp.org/rec/conf/itst/TsengTSK12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ni/Fauchald12b,
  author       = {Thomas H. Fauchald},
  editor       = {Kaija Saranto and
                  Charlotte A. Weaver and
                  Polun Chang},
  title        = {A Case Study in Developing and Implementing a State Wide Standardized
                  Electronic Health Care Claim Payment and Remittance System},
  booktitle    = {Nursing Informatics 2014 - East Meets West eSMART+ - Proceedings of
                  the 12th International Congress on Nursing Informatics, Taipei, Taiwan,
                  June 21-25, 2014},
  series       = {Studies in Health Technology and Informatics},
  volume       = {201},
  publisher    = {{IOS} Press},
  year         = {2012},
  url          = {http://knowledge.amia.org/amia-55142-cni2012a-1.641359/t-005-1.642724/f-001-1.642725/a-174-1.643238/a-175-1.643235},
  timestamp    = {Wed, 29 Mar 2017 16:45:22 +0200},
  biburl       = {https://dblp.org/rec/conf/ni/Fauchald12b.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/rfidsec/HinterwalderPB12,
  author       = {Gesine Hinterw{\"{a}}lder and
                  Christof Paar and
                  Wayne P. Burleson},
  editor       = {Jaap{-}Henk Hoepman and
                  Ingrid Verbauwhede},
  title        = {Privacy Preserving Payments on Computational {RFID} Devices with Application
                  in Intelligent Transportation Systems},
  booktitle    = {Radio Frequency Identification. Security and Privacy Issues - 8th
                  International Workshop, RFIDSec 2012, Nijmegen, The Netherlands, July
                  2-3, 2012, Revised Selected Papers},
  series       = {Lecture Notes in Computer Science},
  volume       = {7739},
  pages        = {109--122},
  publisher    = {Springer},
  year         = {2012},
  url          = {https://doi.org/10.1007/978-3-642-36140-1\_8},
  doi          = {10.1007/978-3-642-36140-1\_8},
  timestamp    = {Tue, 14 May 2019 10:00:38 +0200},
  biburl       = {https://dblp.org/rec/conf/rfidsec/HinterwalderPB12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/softcom/MainettiPV12,
  author       = {Luca Mainetti and
                  Luigi Patrono and
                  Roberto Vergallo},
  title        = {IDA-Pay: An innovative micro-payment system based on {NFC} technology
                  for Android mobile devices},
  booktitle    = {20th International Conference on Software, Telecommunications and
                  Computer Networks, SoftCOM 2012 , Split, Croatia, September 11-13,
                  2012},
  pages        = {1--6},
  publisher    = {{IEEE}},
  year         = {2012},
  url          = {https://ieeexplore.ieee.org/document/6347614/},
  timestamp    = {Wed, 11 Aug 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/softcom/MainettiPV12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/tst/Kasprzyk12,
  author       = {Zbigniew Kasprzyk},
  editor       = {Jerzy Mikulski},
  title        = {Delivering Payment Services through Manual Toll Collection System},
  booktitle    = {Telematics in the Transport Environment - 12th International Conference
                  on Transport Systems Telematics, {TST} 2012, Katowice-Ustro{\'{n}},
                  Poland, October 10-13, 2012. Selected Papers},
  series       = {Communications in Computer and Information Science},
  volume       = {329},
  pages        = {60--68},
  publisher    = {Springer},
  year         = {2012},
  url          = {https://doi.org/10.1007/978-3-642-34050-5\_8},
  doi          = {10.1007/978-3-642-34050-5\_8},
  timestamp    = {Sat, 19 Oct 2019 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/tst/Kasprzyk12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ukais/HamedB12,
  author       = {Enas Bader Hamed and
                  Hilary Berger},
  title        = {Shar'ia Compliant Electronic Payment Systems - Libyan Case Study},
  booktitle    = {{UKAIS} 2012, {UK} Academy for Information Systems 17th Annual Conference
                  2012, New College, Oxford, UK, March 26-28, 2012},
  pages        = {6},
  year         = {2012},
  url          = {http://aisel.aisnet.org/ukais2012/6},
  timestamp    = {Wed, 30 Nov 2016 14:12:04 +0100},
  biburl       = {https://dblp.org/rec/conf/ukais/HamedB12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/uss/KingW12,
  author       = {Jason Tyler King and
                  Laurie A. Williams},
  editor       = {Carl A. Gunter and
                  Zachary N. J. Peterson},
  title        = {Secure Logging and Auditing in Electronic Health Records Systems:
                  What Can We Learn from the Payment Card Industry},
  booktitle    = {3rd {USENIX} Workshop on Health Security and Privacy, HealthSec'12,
                  Bellevue, WA, USA, August 6-7, 2012},
  publisher    = {{USENIX} Association},
  year         = {2012},
  url          = {https://www.usenix.org/conference/healthsec12/workshop-program/presentation/king},
  timestamp    = {Mon, 01 Feb 2021 08:43:04 +0100},
  biburl       = {https://dblp.org/rec/conf/uss/KingW12.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-1208-3859,
  author       = {Vishal Vadgama and
                  Bhavin Tanti and
                  Chirag Modi and
                  Nishant Doshi},
  title        = {A novel approach for e-payment using virtual password system},
  journal      = {CoRR},
  volume       = {abs/1208.3859},
  year         = {2012},
  url          = {http://arxiv.org/abs/1208.3859},
  eprinttype    = {arXiv},
  eprint       = {1208.3859},
  timestamp    = {Sun, 22 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/corr/abs-1208-3859.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@phdthesis{DBLP:phd/dnb/Kaymaz11,
  author       = {Feyyat Kaymaz},
  title        = {User-Anonymit{\"{a}}t in Mobile-Payment-Systemen: ein Referenzmodell
                  zur Gestaltung der User-Anonymit{\"{a}}t in Mobile-Payment-Systemen},
  school       = {University of Kassel},
  year         = {2011},
  url          = {https://d-nb.info/1016861893},
  isbn         = {978-3-86219-192-5},
  timestamp    = {Sat, 17 Jul 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/phd/dnb/Kaymaz11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@book{DBLP:series/hoc/Stearns11,
  author       = {David L. Stearns},
  title        = {Electronic Value Exchange - Origins of the {VISA} Electronic Payment
                  System},
  series       = {History of Computing},
  publisher    = {Springer},
  year         = {2011},
  url          = {https://doi.org/10.1007/978-1-84996-139-4},
  doi          = {10.1007/978-1-84996-139-4},
  isbn         = {978-1-84996-138-7},
  timestamp    = {Tue, 16 May 2017 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/series/hoc/Stearns11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ecra/ChenL11a,
  author       = {Chin{-}Ling Chen and
                  Jyun{-}Jie Liao},
  title        = {A fair online payment system for digital content via subliminal channel},
  journal      = {Electron. Commer. Res. Appl.},
  volume       = {10},
  number       = {3},
  pages        = {279--287},
  year         = {2011},
  url          = {https://doi.org/10.1016/j.elerap.2010.09.001},
  doi          = {10.1016/J.ELERAP.2010.09.001},
  timestamp    = {Sat, 22 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ecra/ChenL11a.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ejis/StaffordT11,
  author       = {Thomas F. Stafford and
                  Aykut Hamit Turan},
  title        = {Online tax payment systems as an emergent aspect of governmental transformation},
  journal      = {Eur. J. Inf. Syst.},
  volume       = {20},
  number       = {3},
  pages        = {343--357},
  year         = {2011},
  url          = {https://doi.org/10.1057/ejis.2010.63},
  doi          = {10.1057/EJIS.2010.63},
  timestamp    = {Fri, 13 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ejis/StaffordT11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ejisdc/BriggsB11,
  author       = {Austin Briggs and
                  Laurence D. Brooks},
  title        = {Electronic Payment Systems Development in a Developing Country: The
                  Role of Institutional Arrangements},
  journal      = {Electron. J. Inf. Syst. Dev. Ctries.},
  volume       = {49},
  number       = {1},
  pages        = {1--16},
  year         = {2011},
  url          = {https://doi.org/10.1002/j.1681-4835.2011.tb00347.x},
  doi          = {10.1002/J.1681-4835.2011.TB00347.X},
  timestamp    = {Thu, 17 Feb 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ejisdc/BriggsB11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijwp/ShadlouKH11,
  author       = {Saeed Shadlou and
                  Ng Jie Kai and
                  Abdolreza Hajmoosaei},
  title        = {Online Payment via PayPal {API} Case Study Event Registration Management
                  System {(ERMS)}},
  journal      = {Int. J. Web Portals},
  volume       = {3},
  number       = {2},
  pages        = {30--37},
  year         = {2011},
  url          = {https://doi.org/10.4018/jwp.2011040104},
  doi          = {10.4018/JWP.2011040104},
  timestamp    = {Sun, 06 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijwp/ShadlouKH11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/isr/BapnaGWZ11,
  author       = {Ravi Bapna and
                  Paulo B. G{\'{o}}es and
                  Kwok Kee Wei and
                  Zhongju Zhang},
  title        = {A Finite Mixture Logit Model to Segment and Predict Electronic Payments
                  System Adoption},
  journal      = {Inf. Syst. Res.},
  volume       = {22},
  number       = {1},
  pages        = {118--133},
  year         = {2011},
  url          = {https://doi.org/10.1287/isre.1090.0277},
  doi          = {10.1287/ISRE.1090.0277},
  timestamp    = {Fri, 13 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/isr/BapnaGWZ11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jnw/DaiCWZL11,
  author       = {Weihui Dai and
                  Xiang Cai and
                  Haifeng Wu and
                  Weidong Zhao and
                  Xuan Li},
  title        = {An Integrated Mobile Phone Payment System Based on 3G Network},
  journal      = {J. Networks},
  volume       = {6},
  number       = {9},
  pages        = {1329--1336},
  year         = {2011},
  url          = {https://doi.org/10.4304/jnw.6.9.1329-1336},
  doi          = {10.4304/JNW.6.9.1329-1336},
  timestamp    = {Tue, 15 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jnw/DaiCWZL11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jowua/YangLC11,
  author       = {Fuw{-}Yi Yang and
                  Zhen{-}Wei Liu and
                  Su{-}Hui Chiu},
  title        = {Mobile Banking Payment System},
  journal      = {J. Wirel. Mob. Networks Ubiquitous Comput. Dependable Appl.},
  volume       = {2},
  number       = {3},
  pages        = {85--95},
  year         = {2011},
  url          = {https://doi.org/10.22667/JOWUA.2011.09.31.085},
  doi          = {10.22667/JOWUA.2011.09.31.085},
  timestamp    = {Thu, 07 Jul 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jowua/YangLC11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/se/Yasui11,
  author       = {Toshiyuki Yasui},
  title        = {A new systems engineering approach for a Socio-Critical System: {A}
                  case study of claims-payment failures of Japan's insurance industry},
  journal      = {Syst. Eng.},
  volume       = {14},
  number       = {4},
  pages        = {349--363},
  year         = {2011},
  url          = {https://doi.org/10.1002/sys.20183},
  doi          = {10.1002/SYS.20183},
  timestamp    = {Sun, 10 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/se/Yasui11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/IEEEants/NK11,
  author       = {Chitra Kiran N. and
                  G. Narendra Kumar},
  title        = {Building robust m-commerce payment system on offline wireless network},
  booktitle    = {Fifth {IEEE} International Conference on Advanced Telecommunication
                  Systems and Networks, {ANTS} 2011, December 18-21, 2011 Bengaluru,
                  India},
  pages        = {1--3},
  publisher    = {{IEEE}},
  year         = {2011},
  url          = {https://doi.org/10.1109/ANTS.2011.6163664},
  doi          = {10.1109/ANTS.2011.6163664},
  timestamp    = {Wed, 16 Oct 2019 14:14:57 +0200},
  biburl       = {https://dblp.org/rec/conf/IEEEants/NK11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/acn/LimLK11,
  author       = {Sunhwan Lim and
                  Jaeyong Lee and
                  Byungchul Kim},
  editor       = {Tai{-}Hoon Kim and
                  Hojjat Adeli and
                  Rosslin John Robles and
                  Maricel O. Balitanas},
  title        = {Open {API} and System of Short Messaging, Payment, Account Management
                  Based on RESTful Web Services},
  booktitle    = {Advanced Communication and Networking - Third International Conference,
                  {ACN} 2011, Brno, Czech Republic, August 15-17, 2011. Proceedings},
  series       = {Communications in Computer and Information Science},
  volume       = {199},
  pages        = {66--75},
  publisher    = {Springer},
  year         = {2011},
  url          = {https://doi.org/10.1007/978-3-642-23312-8\_9},
  doi          = {10.1007/978-3-642-23312-8\_9},
  timestamp    = {Thu, 07 Mar 2024 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/acn/LimLK11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/cts/AbdellaouiPB11,
  author       = {Refka Abdellaoui and
                  Marc Pasquet and
                  Olivier Berthelier},
  editor       = {Waleed W. Smari and
                  Geoffrey C. Fox},
  title        = {Integration of new electronic payment systems into {B2C} internet
                  commerce},
  booktitle    = {2011 International Conference on Collaboration Technologies and Systems,
                  {CTS} 2011, Philadelphia, Pennsylvania, USA, May 23-27, 2011},
  pages        = {484--491},
  publisher    = {{IEEE}},
  year         = {2011},
  url          = {https://doi.org/10.1109/CTS.2011.5928727},
  doi          = {10.1109/CTS.2011.5928727},
  timestamp    = {Wed, 16 Oct 2019 14:14:53 +0200},
  biburl       = {https://dblp.org/rec/conf/cts/AbdellaouiPB11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/deis/Lutz11,
  author       = {David J. Lutz},
  editor       = {Ezendu Ariwa and
                  Eyas El{-}Qawasmeh},
  title        = {Bridging between SAML-Based Payment and Other Identity Federation
                  Payment Systems},
  booktitle    = {Digital Enterprise and Information Systems - International Conference,
                  {DEIS} 2011, London, UK, July 20 - 22, 2011. Proceedings},
  series       = {Communications in Computer and Information Science},
  volume       = {194},
  pages        = {172--186},
  publisher    = {Springer},
  year         = {2011},
  url          = {https://doi.org/10.1007/978-3-642-22603-8\_16},
  doi          = {10.1007/978-3-642-22603-8\_16},
  timestamp    = {Wed, 17 May 2017 10:55:29 +0200},
  biburl       = {https://dblp.org/rec/conf/deis/Lutz11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/hpcc/YauA11,
  author       = {Stephen S. Yau and
                  Ho G. An},
  editor       = {Parimala Thulasiraman and
                  Laurence Tianruo Yang and
                  Qiwen Pan and
                  Xingang Liu and
                  Yaw{-}Chung Chen and
                  Yo{-}Ping Huang and
                  Lin{-}Huang Chang and
                  Che{-}Lun Hung and
                  Che{-}Rung Lee and
                  Justin Y. Shi and
                  Ying Zhang},
  title        = {Anonymous Service Usage and Payment in Service-Based Systems},
  booktitle    = {13th {IEEE} International Conference on High Performance Computing
                  {\&} Communication, {HPCC} 2011, Banff, Alberta, Canada, September
                  2-4, 2011},
  pages        = {714--720},
  publisher    = {{IEEE}},
  year         = {2011},
  url          = {https://doi.org/10.1109/HPCC.2011.101},
  doi          = {10.1109/HPCC.2011.101},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/hpcc/YauA11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icccs/NigamO11,
  author       = {Divya Prakash Nigam and
                  Aparajita Ojha},
  editor       = {Sanjay Kumar Jena and
                  Rajeev Kumar and
                  Ashok Kumar Turuk and
                  Manoranjan Dash},
  title        = {An aspect oriented model of efficient and secure card-based payment
                  system},
  booktitle    = {Proceedings of the 2011 International Conference on Communication,
                  Computing {\&} Security, {ICCCS} 2011, Odisha, India, February
                  12-14, 2011},
  pages        = {559--564},
  publisher    = {{ACM}},
  year         = {2011},
  url          = {https://doi.org/10.1145/1947940.1948056},
  doi          = {10.1145/1947940.1948056},
  timestamp    = {Sat, 22 Apr 2023 12:33:17 +0200},
  biburl       = {https://dblp.org/rec/conf/icccs/NigamO11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icegov/Gharawi11,
  author       = {Mohammed A. Gharawi},
  editor       = {Elsa Estevez and
                  Marijn Janssen},
  title        = {{SADAD} payment system: an exploration of the key success factors},
  booktitle    = {{ICEGOV} 2011, Proceedings of the 5th International Conference on
                  Theory and Practice of Electronic Governance, Tallinn, Estonia, September
                  26-28, 2011},
  pages        = {383--384},
  publisher    = {{ACM}},
  year         = {2011},
  url          = {https://doi.org/10.1145/2072069.2072153},
  doi          = {10.1145/2072069.2072153},
  timestamp    = {Fri, 08 Sep 2023 14:38:40 +0200},
  biburl       = {https://dblp.org/rec/conf/icegov/Gharawi11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ifip8-2/AndreevDO11,
  author       = {Pavel Andreev and
                  Aidan Maurice Duane and
                  Philip O'Reilly},
  editor       = {Mike W. Chiasson and
                  Ola Henfridsson and
                  Helena Karsten and
                  Janice I. DeGross},
  title        = {Conceptualizing Consumer Perceptions of Making M-Payments Using Smart
                  Phones in Ireland},
  booktitle    = {Researching the Future in Information Systems - {IFIP} {WG} 8.2 Working
                  Conference, Turku, Finland, June 6-8, 2011. Proceedings},
  series       = {{IFIP} Advances in Information and Communication Technology},
  volume       = {356},
  pages        = {109--129},
  publisher    = {Springer},
  year         = {2011},
  url          = {https://doi.org/10.1007/978-3-642-21364-9\_8},
  doi          = {10.1007/978-3-642-21364-9\_8},
  timestamp    = {Thu, 14 Oct 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/ifip8-2/AndreevDO11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/memics/ZilkaMK11,
  author       = {Roman Zilka and
                  Vashek Maty{\'{a}}s and
                  Libor Kyncl},
  editor       = {Zdenek Kot{\'{a}}sek and
                  Jan Bouda and
                  Ivana Cern{\'{a}} and
                  Luk{\'{a}}s Sekanina and
                  Tom{\'{a}}s Vojnar and
                  David Antos},
  title        = {Four Authorization Protocols for an Electronic Payment System},
  booktitle    = {Mathematical and Engineering Methods in Computer Science - 7th International
                  Doctoral Workshop, {MEMICS} 2011, Lednice, Czech Republic, October
                  14-16, 2011, Revised Selected Papers},
  series       = {Lecture Notes in Computer Science},
  volume       = {7119},
  pages        = {205--214},
  publisher    = {Springer},
  year         = {2011},
  url          = {https://doi.org/10.1007/978-3-642-25929-6\_19},
  doi          = {10.1007/978-3-642-25929-6\_19},
  timestamp    = {Tue, 14 May 2019 10:00:46 +0200},
  biburl       = {https://dblp.org/rec/conf/memics/ZilkaMK11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/wcsp/HeTYA11,
  author       = {Yejun He and
                  Xiaorong Tang and
                  Jie Yang and
                  Jiefeng Ao},
  title        = {The principle and simulation of magnetic coupling for rectangular
                  coil in mobile payment system},
  booktitle    = {2011 International Conference on Wireless Communications {\&}
                  Signal Processing, {WCSP} 2011, Nanjing, China, November 9-11, 2011},
  pages        = {1--5},
  publisher    = {{IEEE}},
  year         = {2011},
  url          = {https://doi.org/10.1109/WCSP.2011.6096868},
  doi          = {10.1109/WCSP.2011.6096868},
  timestamp    = {Wed, 16 Oct 2019 14:14:51 +0200},
  biburl       = {https://dblp.org/rec/conf/wcsp/HeTYA11.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-1105-0153,
  author       = {Veronica S. Moertini and
                  Asdi A. Athuri and
                  Hery M. Kemit and
                  Nico Saputro},
  title        = {The Development of Electronic Payment System for Universities in Indonesia:
                  On Resolving Key Success Factors},
  journal      = {CoRR},
  volume       = {abs/1105.0153},
  year         = {2011},
  url          = {http://arxiv.org/abs/1105.0153},
  eprinttype    = {arXiv},
  eprint       = {1105.0153},
  timestamp    = {Mon, 13 Aug 2018 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-1105-0153.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-1109-0689,
  author       = {Sandeep Pratap Singh and
                  Shiv Shankar Prasad Shukla and
                  Nitin Rakesh and
                  Vipin Tyagi},
  title        = {Problem Reduction in Online Payment System Using Hybrid Model},
  journal      = {CoRR},
  volume       = {abs/1109.0689},
  year         = {2011},
  url          = {http://arxiv.org/abs/1109.0689},
  eprinttype    = {arXiv},
  eprint       = {1109.0689},
  timestamp    = {Mon, 13 Aug 2018 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-1109-0689.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/cais/ChandraST10,
  author       = {Shalini Chandra and
                  Shirish C. Srivastava and
                  Yin{-}Leng Theng},
  title        = {Evaluating the Role of Trust in Consumer Adoption of Mobile Payment
                  Systems: An Empirical Analysis},
  journal      = {Commun. Assoc. Inf. Syst.},
  volume       = {27},
  pages        = {29},
  year         = {2010},
  url          = {https://doi.org/10.17705/1cais.02729},
  doi          = {10.17705/1CAIS.02729},
  timestamp    = {Fri, 10 Jun 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/cais/ChandraST10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ecra/KimTSK10,
  author       = {Changsu Kim and
                  Wang Tao and
                  Namchul Shin and
                  Ki{-}Soo Kim},
  title        = {An empirical study of customers' perceptions of security and trust
                  in e-payment systems},
  journal      = {Electron. Commer. Res. Appl.},
  volume       = {9},
  number       = {1},
  pages        = {84--95},
  year         = {2010},
  url          = {https://doi.org/10.1016/j.elerap.2009.04.014},
  doi          = {10.1016/J.ELERAP.2009.04.014},
  timestamp    = {Thu, 13 Jan 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ecra/KimTSK10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijccc/OrosP10,
  author       = {Horea Oros and
                  Constantin Popescu},
  title        = {A Secure and Efficient Off-line Electronic Payment System forWireless
                  Networks},
  journal      = {Int. J. Comput. Commun. Control},
  volume       = {5},
  number       = {4},
  pages        = {551--557},
  year         = {2010},
  url          = {https://doi.org/10.15837/ijccc.2010.4.2513},
  doi          = {10.15837/IJCCC.2010.4.2513},
  timestamp    = {Fri, 20 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijccc/OrosP10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijesma/AdamsM10,
  author       = {Carl Adams and
                  Simon Mouatt},
  title        = {Evolution of Electronic and Mobile Business and Services: Government
                  Support for E/M-Payment Systems},
  journal      = {Int. J. {E} Serv. Mob. Appl.},
  volume       = {2},
  number       = {2},
  pages        = {58--0},
  year         = {2010},
  url          = {https://doi.org/10.4018/jesma.2010040104},
  doi          = {10.4018/JESMA.2010040104},
  timestamp    = {Thu, 10 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijesma/AdamsM10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijhcitp/PintoF10,
  author       = {Sara Pinto and
                  Fernando A. F. Ferreira},
  title        = {Technological Dissemination in the Portuguese Payments System: An
                  Empirical Analysis to the Region of Santar{\'{e}}m},
  journal      = {Int. J. Hum. Cap. Inf. Technol. Prof.},
  volume       = {1},
  number       = {4},
  pages        = {55--75},
  year         = {2010},
  url          = {https://doi.org/10.4018/jhcitp.2010100104},
  doi          = {10.4018/JHCITP.2010100104},
  timestamp    = {Sat, 25 Apr 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijhcitp/PintoF10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijipm/KumarR10,
  author       = {S. Britto R. Kumar and
                  S. Albert Rabara},
  title        = {{MPCS:} Secure Account-based Mobile Payment System},
  journal      = {Int. J. Inf. Process. Manag.},
  volume       = {1},
  number       = {1},
  pages        = {59--69},
  year         = {2010},
  url          = {http://www.humanpub.org/ijipm/ppl/7IJIPM1-049045IP.pdf},
  timestamp    = {Wed, 01 Apr 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijipm/KumarR10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijitm/DaskapanBE10,
  author       = {Semir Daskapan and
                  Jan van den Berg and
                  Amr Ali Eldin},
  title        = {Towards a trustworthy short-range mobile payment system},
  journal      = {Int. J. Inf. Technol. Manag.},
  volume       = {9},
  number       = {3},
  pages        = {317--336},
  year         = {2010},
  url          = {https://doi.org/10.1504/IJITM.2010.030947},
  doi          = {10.1504/IJITM.2010.030947},
  timestamp    = {Thu, 04 Jun 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijitm/DaskapanBE10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijitwe/ChaudharyDG10,
  author       = {Kaylash Chaudhary and
                  Xiaoling Dai and
                  John C. Grundy},
  title        = {Experiences in Developing a Micro-payment System for Peer-to-Peer
                  Networks},
  journal      = {Int. J. Inf. Technol. Web Eng.},
  volume       = {5},
  number       = {1},
  pages        = {23--42},
  year         = {2010},
  url          = {https://doi.org/10.4018/jitwe.2010010102},
  doi          = {10.4018/JITWE.2010010102},
  timestamp    = {Mon, 26 Oct 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijitwe/ChaudharyDG10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jeim/OzkanBH10,
  author       = {Sevgi {\"{O}}zkan and
                  Gayani Bindusara and
                  Ray Hackney},
  title        = {Facilitating the adoption of e-payment systems: theoretical constructs
                  and empirical analysis},
  journal      = {J. Enterp. Inf. Manag.},
  volume       = {23},
  number       = {3},
  pages        = {305--325},
  year         = {2010},
  url          = {https://doi.org/10.1108/17410391011036085},
  doi          = {10.1108/17410391011036085},
  timestamp    = {Thu, 02 Apr 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jeim/OzkanBH10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jms/WangLCKKY10,
  author       = {Kai Wang and
                  Ping Li and
                  Ling Chen and
                  Ken Kato and
                  Makoto Kobayashi and
                  Kazunobu Yamauchi},
  title        = {Impact of the Japanese Diagnosis Procedure Combination-based Payment
                  System in Japan},
  journal      = {J. Medical Syst.},
  volume       = {34},
  number       = {1},
  pages        = {95--100},
  year         = {2010},
  url          = {https://doi.org/10.1007/s10916-008-9220-2},
  doi          = {10.1007/S10916-008-9220-2},
  timestamp    = {Mon, 08 Jun 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jms/WangLCKKY10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/baip/KumarR10,
  author       = {S. Britto R. Kumar and
                  S. Albert Rabara},
  editor       = {Vinu V. Das and
                  R. Vijayakumar and
                  Narayan C. Debnath and
                  Janahanlal Stephen and
                  Natarajan Meghanathan and
                  Suresh Sankaranarayanan and
                  P. M. Thankachan and
                  Ford Lumban Gaol and
                  Nessy Thankachan},
  title        = {{MPCS:} An Account-Based Secure Mobile Payment Consortia System for
                  Educational Institutions},
  booktitle    = {Information Processing and Management - International Conference on
                  Recent Trends in Business Administration and Information Processing,
                  {BAIP} 2010, Trivandrum, Kerala, India, March 26-27, 2010. Proceedings},
  series       = {Communications in Computer and Information Science},
  volume       = {70},
  pages        = {582--585},
  publisher    = {Springer},
  year         = {2010},
  url          = {https://doi.org/10.1007/978-3-642-12214-9\_105},
  doi          = {10.1007/978-3-642-12214-9\_105},
  timestamp    = {Thu, 01 Jun 2017 18:59:02 +0200},
  biburl       = {https://dblp.org/rec/conf/baip/KumarR10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/csreaEEE/AlptekinA10,
  author       = {G{\"{u}}lfem Isiklar Alptekin and
                  S. Emre Alptekin},
  editor       = {Hamid R. Arabnia and
                  Azita Bahrami and
                  Ashu M. G. Solo},
  title        = {Fuzzy Multi-Criteria Decision Making Approaches for Evaluating E-Payment
                  Systems},
  booktitle    = {Proceedings of the 2010 International Conference on E-Learning, E-Business,
                  Enterprise Information Systems, {\&} E-Government, {EEE} 2010,
                  July 12-15, 2010, Las Vegas Nevada, {USA}},
  pages        = {142--148},
  publisher    = {{CSREA} Press},
  year         = {2010},
  timestamp    = {Tue, 07 Dec 2010 11:19:33 +0100},
  biburl       = {https://dblp.org/rec/conf/csreaEEE/AlptekinA10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/fc/KasperSP10,
  author       = {Timo Kasper and
                  Michael Silbermann and
                  Christof Paar},
  editor       = {Radu Sion},
  title        = {All You Can Eat or Breaking a Real-World Contactless Payment System},
  booktitle    = {Financial Cryptography and Data Security, 14th International Conference,
                  {FC} 2010, Tenerife, Canary Islands, Spain, January 25-28, 2010, Revised
                  Selected Papers},
  series       = {Lecture Notes in Computer Science},
  volume       = {6052},
  pages        = {343--350},
  publisher    = {Springer},
  year         = {2010},
  url          = {https://doi.org/10.1007/978-3-642-14577-3\_28},
  doi          = {10.1007/978-3-642-14577-3\_28},
  timestamp    = {Tue, 14 May 2019 10:00:38 +0200},
  biburl       = {https://dblp.org/rec/conf/fc/KasperSP10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/fuzzIEEE/BenmakrouhaHM10,
  author       = {Farida Benmakrouha and
                  Christiane Hespel and
                  Edouard Monnier},
  title        = {An algorithm for rule selection on fuzzy rule-based systems applied
                  to the treatment of diabetics and detection of fraud in electronic
                  payment},
  booktitle    = {{FUZZ-IEEE} 2010, {IEEE} International Conference on Fuzzy Systems,
                  Barcelona, Spain, 18-23 July, 2010, Proceedings},
  pages        = {1--5},
  publisher    = {{IEEE}},
  year         = {2010},
  url          = {https://doi.org/10.1109/FUZZY.2010.5584745},
  doi          = {10.1109/FUZZY.2010.5584745},
  timestamp    = {Wed, 16 Oct 2019 14:14:52 +0200},
  biburl       = {https://dblp.org/rec/conf/fuzzIEEE/BenmakrouhaHM10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icdem/ChandraY10,
  author       = {Girish Chandra and
                  Divakar Yadav},
  editor       = {Rajkumar Kannan and
                  Fr{\'{e}}d{\'{e}}ric Andr{\`{e}}s},
  title        = {Analyzing Data Flow in Trustworthy Electronic Payment Systems Using
                  Event-B},
  booktitle    = {Data Engineering and Management - Second International Conference,
                  {ICDEM} 2010, Tiruchirappalli, India, July 29-31, 2010. Revised Selected
                  Papers},
  series       = {Lecture Notes in Computer Science},
  volume       = {6411},
  pages        = {325--332},
  publisher    = {Springer},
  year         = {2010},
  url          = {https://doi.org/10.1007/978-3-642-27872-3\_48},
  doi          = {10.1007/978-3-642-27872-3\_48},
  timestamp    = {Sat, 30 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/icdem/ChandraY10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icee/WuC10a,
  author       = {Xiaoming Wu and
                  Jing Chi},
  title        = {Third-Party Online Payment System Based on Campus Card},
  booktitle    = {The International Conference on E-Business and E-Government, {ICEE}
                  2010, 7-9 May 2010, Guangzhou, China, Proceedings},
  pages        = {2269--2272},
  publisher    = {{IEEE} Computer Society},
  year         = {2010},
  url          = {https://doi.org/10.1109/ICEE.2010.573},
  doi          = {10.1109/ICEE.2010.573},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/icee/WuC10a.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icee/YongJ10,
  author       = {Xu Yong and
                  Liu Jindi},
  title        = {Electronic Payment System Design Based on {SET} and {TTP}},
  booktitle    = {The International Conference on E-Business and E-Government, {ICEE}
                  2010, 7-9 May 2010, Guangzhou, China, Proceedings},
  pages        = {275--278},
  publisher    = {{IEEE} Computer Society},
  year         = {2010},
  url          = {https://doi.org/10.1109/ICEE.2010.77},
  doi          = {10.1109/ICEE.2010.77},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/icee/YongJ10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icitst/BenelliP10,
  author       = {Giuliano Benelli and
                  Alessandro Pozzebon},
  title        = {An automated payment system for car parks based on Near Field Communication
                  technology},
  booktitle    = {5th International Conference for Internet Technology and Secured Transactions,
                  {ICITST} 2010, London, United Kingdom, November 8-10, 2010},
  pages        = {1--6},
  publisher    = {{IEEE}},
  year         = {2010},
  url          = {https://ieeexplore.ieee.org/document/5678029/},
  timestamp    = {Mon, 09 Aug 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/icitst/BenelliP10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/vtc/MahmoudS10,
  author       = {Mohamed Elsalih Mahmoud and
                  Xuemin Shen},
  title        = {{MYRPA:} An Incentive System with Reduced Payment Receipts for Multi-hop
                  Wireless Networks},
  booktitle    = {Proceedings of the 72nd {IEEE} Vehicular Technology Conference, {VTC}
                  Fall 2010, 6-9 September 2010, Ottawa, Canada},
  pages        = {1--5},
  publisher    = {{IEEE}},
  year         = {2010},
  url          = {https://doi.org/10.1109/VETECF.2010.5594522},
  doi          = {10.1109/VETECF.2010.5594522},
  timestamp    = {Tue, 21 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/vtc/MahmoudS10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@incollection{DBLP:series/aikp/SanyalTS10,
  author       = {Sugata Sanyal and
                  Ayu Tiwari and
                  Sudip Sanyal},
  editor       = {Richard Chbeir and
                  Youakim Badr and
                  Ajith Abraham and
                  Aboul Ella Hassanien},
  title        = {A Multifactor Secure Authentication System for Wireless Payment},
  booktitle    = {Emergent Web Intelligence: Advanced Information Retrieval},
  series       = {Advanced Information and Knowledge Processing},
  pages        = {341--369},
  publisher    = {Springer},
  year         = {2010},
  url          = {https://doi.org/10.1007/978-1-84996-074-8\_13},
  doi          = {10.1007/978-1-84996-074-8\_13},
  timestamp    = {Wed, 06 Mar 2019 14:04:40 +0100},
  biburl       = {https://dblp.org/rec/series/aikp/SanyalTS10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-1002-3171,
  author       = {Mohsen Toorani and
                  {Ali Asghar} {Beheshti Shirazi}},
  title        = {{SSMS} - {A} Secure {SMS} Messaging Protocol for the M-payment Systems},
  journal      = {CoRR},
  volume       = {abs/1002.3171},
  year         = {2010},
  url          = {http://arxiv.org/abs/1002.3171},
  eprinttype    = {arXiv},
  eprint       = {1002.3171},
  timestamp    = {Mon, 13 Aug 2018 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-1002-3171.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-1003-1816,
  author       = {Sabyasachi Pattanaik and
                  Partha Pratim Ghosh},
  title        = {Role of Data Mining in E-Payment systems},
  journal      = {CoRR},
  volume       = {abs/1003.1816},
  year         = {2010},
  url          = {http://arxiv.org/abs/1003.1816},
  eprinttype    = {arXiv},
  eprint       = {1003.1816},
  timestamp    = {Mon, 13 Aug 2018 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-1003-1816.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-1005-4266,
  author       = {Raju Barskar and
                  Anjana Jayant Deen and
                  Jyoti Bharti and
                  Gulfishan Firdose Ahmed},
  title        = {The Algorithm Analysis of E-Commerce Security Issues for Online Payment
                  Transaction System in Banking Technology},
  journal      = {CoRR},
  volume       = {abs/1005.4266},
  year         = {2010},
  url          = {http://arxiv.org/abs/1005.4266},
  eprinttype    = {arXiv},
  eprint       = {1005.4266},
  timestamp    = {Mon, 13 Aug 2018 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-1005-4266.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-1011-0279,
  author       = {Majid Taghiloo and
                  Mohammad Ali Agheli and
                  Mohammad Reza Rezaeinezhad},
  title        = {Mobile Based Secure Digital Wallet for Peer to Peer Payment System},
  journal      = {CoRR},
  volume       = {abs/1011.0279},
  year         = {2010},
  url          = {http://arxiv.org/abs/1011.0279},
  eprinttype    = {arXiv},
  eprint       = {1011.0279},
  timestamp    = {Mon, 13 Aug 2018 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-1011-0279.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijhci/Shin10a,
  title        = {Modeling the Interaction of Users and Mobile Payment System: Conceptual
                  Framework},
  journal      = {Int. J. Hum. Comput. Interact.},
  volume       = {26},
  number       = {10},
  pages        = {917--940},
  year         = {2010},
  note         = {Withdrawn.},
  url          = {https://doi.org/10.1080/10447318.2010.502098},
  doi          = {10.1080/10447318.2010.502098},
  timestamp    = {Tue, 12 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijhci/Shin10a.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/apin/OuO09,
  author       = {Chung{-}Ming Ou and
                  Chung{-}Ren Ou},
  title        = {Adaptation of proxy certificates to non-repudiation protocol of agent-based
                  mobile payment systems},
  journal      = {Appl. Intell.},
  volume       = {30},
  number       = {3},
  pages        = {233--243},
  year         = {2009},
  url          = {https://doi.org/10.1007/s10489-007-0089-4},
  doi          = {10.1007/S10489-007-0089-4},
  timestamp    = {Wed, 17 May 2017 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/apin/OuO09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/hhci/AbrazhevichMR09,
  author       = {Dennis Abrazhevich and
                  Panos Markopoulos and
                  Matthias Rauterberg},
  title        = {Designing Internet-Based Payment Systems: Guidelines and Empirical
                  Basis},
  journal      = {Hum. Comput. Interact.},
  volume       = {24},
  number       = {4},
  pages        = {408--443},
  year         = {2009},
  url          = {https://doi.org/10.1080/07370020903038144},
  doi          = {10.1080/07370020903038144},
  timestamp    = {Thu, 09 Jul 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/hhci/AbrazhevichMR09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijaose/LuCCYL09,
  author       = {Huiqi Lu and
                  Frederic Claret{-}Tournier and
                  Chris R. Chatwin and
                  Rupert C. D. Young and
                  Zhongming Liu},
  title        = {An agent-oriented mobile payment system secured using a biometrics
                  approach},
  journal      = {Int. J. Agent Oriented Softw. Eng.},
  volume       = {3},
  number       = {2/3},
  pages        = {163--187},
  year         = {2009},
  url          = {https://doi.org/10.1504/IJAOSE.2009.023635},
  doi          = {10.1504/IJAOSE.2009.023635},
  timestamp    = {Sun, 10 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijaose/LuCCYL09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijtm/Tsao09,
  author       = {Yu{-}Chung Tsao},
  title        = {Production and payment policies for an imperfect manufacturing system
                  with machine maintenance and credit policies},
  journal      = {Int. J. Technol. Manag.},
  volume       = {48},
  number       = {2},
  pages        = {240--257},
  year         = {2009},
  url          = {https://doi.org/10.1504/IJTM.2009.024918},
  doi          = {10.1504/IJTM.2009.024918},
  timestamp    = {Thu, 14 Oct 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijtm/Tsao09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/informaticaLT/Popescu09,
  author       = {Constantin Popescu},
  title        = {An Anonymous Mobile Payment System Based on Bilinear Pairings},
  journal      = {Informatica},
  volume       = {20},
  number       = {4},
  pages        = {579--590},
  year         = {2009},
  url          = {http://content.iospress.com/articles/informatica/info20-4-08},
  timestamp    = {Tue, 26 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/informaticaLT/Popescu09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/isem/OndrusP09,
  author       = {Jan Ondrus and
                  Yves Pigneur},
  title        = {Near field communication: an assessment for future payment systems},
  journal      = {Inf. Syst. {E} Bus. Manag.},
  volume       = {7},
  number       = {3},
  pages        = {347--361},
  year         = {2009},
  url          = {https://doi.org/10.1007/s10257-008-0093-1},
  doi          = {10.1007/S10257-008-0093-1},
  timestamp    = {Wed, 12 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/isem/OndrusP09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jasss/ArcieroBDI09,
  author       = {Luca Arciero and
                  Claudia Biancotti and
                  Leandro D'Aurizio and
                  Claudio Impenna},
  title        = {Exploring Agent-Based Methods for the Analysis of Payment Systems:
                  {A} Crisis Model for StarLogo {TNG}},
  journal      = {J. Artif. Soc. Soc. Simul.},
  volume       = {12},
  number       = {1},
  year         = {2009},
  url          = {http://jasss.soc.surrey.ac.uk/12/1/2.html},
  timestamp    = {Thu, 09 Jul 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jasss/ArcieroBDI09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/mis/ContiMSV09,
  author       = {Vincenzo Conti and
                  Carmelo Militello and
                  Filippo Sorbello and
                  Salvatore Vitabile},
  title        = {A multimodal technique for an embedded fingerprint recognizer in mobile
                  payment systems},
  journal      = {Mob. Inf. Syst.},
  volume       = {5},
  number       = {2},
  pages        = {105--124},
  year         = {2009},
  url          = {https://doi.org/10.3233/MIS-2009-0076},
  doi          = {10.3233/MIS-2009-0076},
  timestamp    = {Wed, 06 Oct 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/mis/ContiMSV09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/bci/DenizAO09,
  author       = {Ozan Deniz and
                  Mehmet Adak and
                  Halit Oguzt{\"{u}}z{\"{u}}n},
  editor       = {Petros Kefalas and
                  Demosthenes Stamatis and
                  Christos Douligeris},
  title        = {Animation of Behavioral Specifications through Code Generation for
                  a Payment System},
  booktitle    = {2009 Fourth Balkan Conference in Informatics, {BCI} 2009, Thessaloniki,
                  Greece, 17-19 September 2009},
  pages        = {53--58},
  publisher    = {{IEEE} Computer Society},
  year         = {2009},
  url          = {https://doi.org/10.1109/BCI.2009.39},
  doi          = {10.1109/BCI.2009.39},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/bci/DenizAO09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ccnc/DominiciMMSBL10,
  author       = {Fabrizio Dominici and
                  Daniele Mazzocchi and
                  Paolo Mulassano and
                  Massimiliano Spelat and
                  Gianluca Boiero and
                  Piero Lovisolo},
  title        = {{NAV/COM} Hybrid Architecture for Innovative Location Based Payment
                  Systems},
  booktitle    = {6th {IEEE} Consumer Communications and Networking Conference, {CCNC}
                  2009, Las Vegas, NV, USA, 10-13 Jan., 2009},
  pages        = {1--5},
  publisher    = {{IEEE}},
  year         = {2009},
  url          = {https://doi.org/10.1109/CCNC.2009.4784929},
  doi          = {10.1109/CCNC.2009.4784929},
  timestamp    = {Mon, 09 Aug 2021 14:54:01 +0200},
  biburl       = {https://dblp.org/rec/conf/ccnc/DominiciMMSBL10.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/csie/BakhtiariBK09,
  author       = {Shaghayegh Bakhtiari and
                  Ahmad Baraani and
                  Mohammad Reza Khayyambashi},
  editor       = {Mark Burgin and
                  Masud H. Chowdhury and
                  Chan H. Ham and
                  Simone A. Ludwig and
                  Weilian Su and
                  Sumanth Yenduri},
  title        = {MobiCash: {A} New Anonymous Mobile Payment System Implemented by Elliptic
                  Curve Cryptography},
  booktitle    = {{CSIE} 2009, 2009 {WRI} World Congress on Computer Science and Information
                  Engineering, March 31 - April 2, 2009, Los Angeles, California, USA,
                  7 Volumes},
  pages        = {286--290},
  publisher    = {{IEEE} Computer Society},
  year         = {2009},
  url          = {https://doi.org/10.1109/CSIE.2009.939},
  doi          = {10.1109/CSIE.2009.939},
  timestamp    = {Thu, 24 Aug 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/csie/BakhtiariBK09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ecis/WiechertTF09,
  author       = {Thomas Wiechert and
                  Fr{\'{e}}d{\'{e}}ric Thiesse and
                  Elgar Fleisch},
  editor       = {Susan Newell and
                  Edgar A. Whitley and
                  Nancy Pouloudi and
                  Jonathan Wareham and
                  Lars Mathiassen},
  title        = {A quantitative evaluation of {NFC} based contactless payment systems
                  in retail},
  booktitle    = {17th European Conference on Information Systems, {ECIS} 2009, Verona,
                  Italy, 2009},
  pages        = {1939--1950},
  year         = {2009},
  url          = {http://aisel.aisnet.org/ecis2009/11},
  timestamp    = {Mon, 05 Dec 2016 15:14:00 +0100},
  biburl       = {https://dblp.org/rec/conf/ecis/WiechertTF09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icwn/AguilarAR09,
  author       = {Sergio R{\'{\i}}os Aguilar and
                  Luis Joyanes Aguilar and
                  Miguel Rego},
  editor       = {Hamid R. Arabnia and
                  Victor A. Clincy},
  title        = {{ILAS/SMP:} Intelligent Location Aware System for Secure Mobile Payments
                  Using {A-GPS} Enabled Handsets},
  booktitle    = {Proceedings of the 2009 International Conference on Wireless Networks,
                  {ICWN} 2009, July 13-16, 2009, Las Vegas Nevada, USA, 2 Volumes},
  pages        = {675--678},
  publisher    = {{CSREA} Press},
  year         = {2009},
  timestamp    = {Wed, 04 Nov 2009 13:00:15 +0100},
  biburl       = {https://dblp.org/rec/conf/icwn/AguilarAR09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ifita/ZhouD09,
  author       = {Ying Zhou and
                  Lieyun Ding},
  editor       = {Qihai Zhou},
  title        = {An Integrated System for Payment Management in Construction},
  booktitle    = {International Forum on Information Technology and Applications, {IFITA}
                  2009, Chengdu, China, 15-17 May 2009},
  pages        = {61--65},
  publisher    = {{IEEE} Computer Society},
  year         = {2009},
  url          = {https://doi.org/10.1109/IFITA.2009.335},
  doi          = {10.1109/IFITA.2009.335},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/ifita/ZhouD09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iiwas/Al-FuriahA09,
  author       = {Saleh Al{-}Furiah and
                  Lamia Al{-}Braheem},
  editor       = {Gabriele Kotsis and
                  David Taniar and
                  Eric Pardede and
                  Ismail Khalil},
  title        = {Comprehensive study on methods of fraud prevention in credit card
                  e-payment system},
  booktitle    = {iiWAS'2009 - The Eleventh International Conference on Information
                  Integration and Web-based Applications and Services, 14-16 December
                  2009, Kuala Lumpur, Malaysia},
  pages        = {592--598},
  publisher    = {{ACM}},
  year         = {2009},
  url          = {https://doi.org/10.1145/1806338.1806450},
  doi          = {10.1145/1806338.1806450},
  timestamp    = {Tue, 06 Nov 2018 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/iiwas/Al-FuriahA09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iiwas/ChandraD09,
  author       = {Shymal Chandra and
                  Xiaoling Dai},
  editor       = {Gabriele Kotsis and
                  David Taniar and
                  Eric Pardede and
                  Ismail Khalil},
  title        = {Portal-netpay micro-payment system for non-micro-payment vendors},
  booktitle    = {iiWAS'2009 - The Eleventh International Conference on Information
                  Integration and Web-based Applications and Services, 14-16 December
                  2009, Kuala Lumpur, Malaysia},
  pages        = {653--657},
  publisher    = {{ACM}},
  year         = {2009},
  url          = {https://doi.org/10.1145/1806338.1806462},
  doi          = {10.1145/1806338.1806462},
  timestamp    = {Tue, 06 Nov 2018 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/iiwas/ChandraD09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iiwas/LiangD09,
  author       = {Weiqiang Liang and
                  Xiaoling Dai},
  editor       = {Gabriele Kotsis and
                  David Taniar and
                  Eric Pardede and
                  Ismail Khalil},
  title        = {BulaPay: a web-service based third-party payment system for e-commerce
                  in South Pacific Islands},
  booktitle    = {iiWAS'2009 - The Eleventh International Conference on Information
                  Integration and Web-based Applications and Services, 14-16 December
                  2009, Kuala Lumpur, Malaysia},
  pages        = {405--409},
  publisher    = {{ACM}},
  year         = {2009},
  url          = {https://doi.org/10.1145/1806338.1806412},
  doi          = {10.1145/1806338.1806412},
  timestamp    = {Tue, 06 Nov 2018 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/iiwas/LiangD09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/interaction/KumarRM09,
  author       = {S. Britto R. Kumar and
                  S. Albert Rabara and
                  J. Ronald Martin},
  editor       = {Sungwon Sohn and
                  Ling Chen and
                  Soonwook Hwang and
                  Kyungeun Cho and
                  Shigeo Kawata and
                  Kyhyun Um and
                  Franz I. S. Ko and
                  Kae{-}Dal Kwack and
                  Jong Hyung Lee and
                  Gang Kou and
                  Kiyoshi Nakamura and
                  Alvis Cheuk M. Fong and
                  Patrick C. M. Ma},
  title        = {{MPCS:} a secure Mobile Payment Consortia System for higher educational
                  institutions},
  booktitle    = {Proceedings of the 2nd International Conference on Interaction Sciences:
                  Information Technology, Culture and Human {(ICIS} 2009), Seoul, Korea,
                  24-26 November 2009},
  series       = {{ACM} International Conference Proceeding Series},
  volume       = {403},
  pages        = {571--579},
  publisher    = {{ACM}},
  year         = {2009},
  url          = {https://doi.org/10.1145/1655925.1656029},
  doi          = {10.1145/1655925.1656029},
  timestamp    = {Sun, 28 Feb 2021 18:18:34 +0100},
  biburl       = {https://dblp.org/rec/conf/interaction/KumarRM09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iri/PengTL09,
  author       = {Lifang Peng and
                  Zhuochao Tong and
                  Qi Li},
  title        = {An Analysis of the Third Party Payment System based on Service Supply
                  Chain},
  booktitle    = {Proceedings of the {IEEE} International Conference on Information
                  Reuse and Integration, {IRI} 2009, 10-12 August 2009, Las Vegas, Nevada,
                  {USA}},
  pages        = {63--67},
  publisher    = {{IEEE} Systems, Man, and Cybernetics Society},
  year         = {2009},
  url          = {https://doi.org/10.1109/IRI.2009.5211608},
  doi          = {10.1109/IRI.2009.5211608},
  timestamp    = {Wed, 19 Oct 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/iri/PengTL09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/mobisys/BalanRPCH09,
  author       = {Rajesh Krishna Balan and
                  Narayan Ramasubbu and
                  Komsit Prakobphol and
                  Nicolas Christin and
                  Jason I. Hong},
  editor       = {Krzysztof Zielinski and
                  Adam Wolisz and
                  Jason Flinn and
                  Anthony LaMarca},
  title        = {mFerio: the design and evaluation of a peer-to-peer mobile payment
                  system},
  booktitle    = {Proceedings of the 7th International Conference on Mobile Systems,
                  Applications, and Services (MobiSys 2009), Krak{\'{o}}w, Poland,
                  June 22-25, 2009},
  pages        = {291--304},
  publisher    = {{ACM}},
  year         = {2009},
  url          = {https://doi.org/10.1145/1555816.1555846},
  doi          = {10.1145/1555816.1555846},
  timestamp    = {Sat, 09 Apr 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/mobisys/BalanRPCH09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/mue/GaoKRCM09,
  author       = {Jerry Gao and
                  Vijay Kulkarni and
                  Himanshu Ranavat and
                  Lee Chang and
                  Hsing Mei},
  title        = {A 2D Barcode-Based Mobile Payment System},
  booktitle    = {2009 Third International Conference on Multimedia and Ubiquitous Engineering,
                  {MUE} 2009, Qingdao, China, June 4-6, 2009},
  pages        = {320--329},
  publisher    = {{IEEE} Computer Society},
  year         = {2009},
  url          = {https://doi.org/10.1109/MUE.2009.62},
  doi          = {10.1109/MUE.2009.62},
  timestamp    = {Wed, 21 Jun 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/mue/GaoKRCM09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/nabic/RaghuwanshiPS09,
  author       = {Sandeep Kumar Raghuwanshi and
                  Rajesh Kumar Pateriya and
                  R. P. Singh},
  title        = {A New Protocol Model for Verification of Payment Order Information
                  Integrity in Online {E} Payment System},
  booktitle    = {World Congress on Nature {\&} Biologically Inspired Computing,
                  NaBIC 2009, 9-11 December 2009, Coimbatore, India},
  pages        = {1665--1668},
  publisher    = {{IEEE}},
  year         = {2009},
  url          = {https://doi.org/10.1109/NABIC.2009.5393641},
  doi          = {10.1109/NABIC.2009.5393641},
  timestamp    = {Mon, 21 Jun 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/nabic/RaghuwanshiPS09.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ecra/HassinenHT08,
  author       = {Marko Hassinen and
                  Konstantin Hypp{\"{o}}nen and
                  Elena Trichina},
  title        = {Utilizing national public-key infrastructure in mobile payment systems},
  journal      = {Electron. Commer. Res. Appl.},
  volume       = {7},
  number       = {2},
  pages        = {214--231},
  year         = {2008},
  url          = {https://doi.org/10.1016/j.elerap.2007.03.006},
  doi          = {10.1016/J.ELERAP.2007.03.006},
  timestamp    = {Sat, 22 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ecra/HassinenHT08.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijeb/TreiblmaierPF08,
  author       = {Horst Treiblmaier and
                  Andreas Pinterits and
                  Arne Floh},
  title        = {Success factors of internet payment systems},
  journal      = {Int. J. Electron. Bus.},
  volume       = {6},
  number       = {4},
  pages        = {369--385},
  year         = {2008},
  url          = {https://doi.org/10.1504/IJEB.2008.020675},
  doi          = {10.1504/IJEB.2008.020675},
  timestamp    = {Thu, 16 Jul 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijeb/TreiblmaierPF08.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jucs/OuO08,
  author       = {Chung{-}Ming Ou and
                  Chung{-}Ren Ou},
  title        = {Non-repudiation Mechanism of Agent-based Mobile Payment Systems: Perspectives
                  on Wireless {PKI}},
  journal      = {J. Univers. Comput. Sci.},
  volume       = {14},
  number       = {14},
  pages        = {2309--2328},
  year         = {2008},
  url          = {https://doi.org/10.3217/jucs-014-14-2309},
  doi          = {10.3217/JUCS-014-14-2309},
  timestamp    = {Thu, 07 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jucs/OuO08.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ACMicec/AbbadiA08,
  author       = {Imad M. Abbadi and
                  Muntaha Alawneh},
  editor       = {Dieter Fensel and
                  Hannes Werthner},
  title        = {{DRM} domain authentication using electronic payment systems},
  booktitle    = {Proceedings of the 10th International Conference on Electronic Commerce
                  2008, Innsbruck, Austria, August 19-22, 2008},
  series       = {{ACM} International Conference Proceeding Series},
  volume       = {342},
  pages        = {17:1--17:10},
  publisher    = {{ACM}},
  year         = {2008},
  url          = {https://doi.org/10.1145/1409540.1409563},
  doi          = {10.1145/1409540.1409563},
  timestamp    = {Tue, 06 Nov 2018 11:06:52 +0100},
  biburl       = {https://dblp.org/rec/conf/ACMicec/AbbadiA08.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/case/BaiKL08,
  author       = {Li Bai and
                  Jerry Kane and
                  Pat Lyons},
  title        = {Open architecture for contactless smartcard-based portable electronic
                  payment systems},
  booktitle    = {2008 {IEEE} International Conference on Automation Science and Engineering,
                  {IEEE} {CASE} 2008, Washington, DC, USA, August 23-26, 2008},
  pages        = {715--719},
  publisher    = {{IEEE}},
  year         = {2008},
  url          = {https://doi.org/10.1109/COASE.2008.4626497},
  doi          = {10.1109/COASE.2008.4626497},
  timestamp    = {Wed, 16 Oct 2019 14:14:53 +0200},
  biburl       = {https://dblp.org/rec/conf/case/BaiKL08.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ccnc/KokkinenEN08,
  author       = {Heikki Kokkinen and
                  Jan{-}Erik Ekberg and
                  Janne N{\"{o}}yr{\"{a}}nen},
  title        = {Post-Payment System for Peer-to-Peer Filesharing},
  booktitle    = {5th {IEEE} Consumer Communications and Networking Conference, {CCNC}
                  2008, Las Vegas, NV, USA, January 10-12, 2008},
  pages        = {134--135},
  publisher    = {{IEEE}},
  year         = {2008},
  url          = {https://doi.org/10.1109/ccnc08.2007.37},
  doi          = {10.1109/CCNC08.2007.37},
  timestamp    = {Mon, 09 Aug 2021 14:54:01 +0200},
  biburl       = {https://dblp.org/rec/conf/ccnc/KokkinenEN08.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/csse/KumarRR08,
  author       = {S. Britto R. Kumar and
                  A. Arun Gnana Raj and
                  S. Albert Rabara},
  title        = {A Framework for Mobile Payment Consortia System {(MPCS)}},
  booktitle    = {International Conference on Computer Science and Software Engineering,
                  {CSSE} 2008, Volume 2: Software Engineering, December 12-14, 2008,
                  Wuhan, China},
  pages        = {43--47},
  publisher    = {{IEEE} Computer Society},
  year         = {2008},
  url          = {https://doi.org/10.1109/CSSE.2008.1514},
  doi          = {10.1109/CSSE.2008.1514},
  timestamp    = {Thu, 23 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/csse/KumarRR08.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ike/AkhgarRJSASPMGV08,
  author       = {Babak Akhgar and
                  Fazilatur Rahman and
                  Lukasz Jopek and
                  Jawed I. A. Siddiqi and
                  Sally Atkinson and
                  Alberto Salvodeli and
                  Doris Prato and
                  Secondo Montrucchio and
                  Federico Guella and
                  Andr{\'{a}}s Vilmos},
  editor       = {Hamid R. Arabnia and
                  Ray R. Hashemi},
  title        = {Establishing Mobile {NFC} Payment Systems and Future Prospect},
  booktitle    = {Proceedings of the 2008 International Conference on Information {\&}
                  Knowledge Engineering, {IKE} 2008, July 14-17, 2008, Las Vegas, Nevada,
                  {USA}},
  pages        = {404--410},
  publisher    = {{CSREA} Press},
  year         = {2008},
  timestamp    = {Wed, 20 May 2009 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/ike/AkhgarRJSASPMGV08.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iscc/TooraniS08,
  author       = {Mohsen Toorani and
                  {Ali Asghar} {Beheshti Shirazi}},
  title        = {{SSMS} - {A} secure {SMS} messaging protocol for the m-payment systems},
  booktitle    = {Proceedings of the 13th {IEEE} Symposium on Computers and Communications
                  {(ISCC} 2008), July 6-9, Marrakech, Morocco},
  pages        = {700--705},
  publisher    = {{IEEE} Computer Society},
  year         = {2008},
  url          = {https://doi.org/10.1109/ISCC.2008.4625610},
  doi          = {10.1109/ISCC.2008.4625610},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/iscc/TooraniS08.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/isecs/Jiang08,
  author       = {Hua Jiang},
  editor       = {Fei Yu and
                  Qi Luo and
                  Yongjun Chen and
                  Zhigang Chen},
  title        = {Study on Mobile E-commerce Security Payment System},
  booktitle    = {Proceedings of The International Symposium on Electronic Commerce
                  and Security, {ISECS} 2008, August 3-5, 2008, Guangzhou, China},
  pages        = {754--757},
  publisher    = {{IEEE} Computer Society},
  year         = {2008},
  url          = {https://doi.org/10.1109/ISECS.2008.64},
  doi          = {10.1109/ISECS.2008.64},
  timestamp    = {Thu, 23 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/isecs/Jiang08.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/mms/MadlmayrLS08,
  author       = {Gerald Madlmayr and
                  Josef Langer and
                  Josef Scharinger},
  editor       = {Michael H. Breitner and
                  Martin Breunig and
                  Elgar Fleisch and
                  Key Pousttchi and
                  Klaus Turowski},
  title        = {Near Field Communication based Payment System},
  booktitle    = {Mobile und Ubiquit{\"{a}}re Informationssysteme - Technologien,
                  Prozesse, Marktf{\"{a}}higkeit. Proceedings zur 3. Konferenz
                  Mobile und Ubiquit{\"{a}}re Informationssysteme, {MMS} 2008,
                  26.-28. Februar 2008, M{\"{u}}nchen, Germany},
  series       = {{LNI}},
  volume       = {{P-123}},
  pages        = {81--93},
  publisher    = {{GI}},
  year         = {2008},
  url          = {https://dl.gi.de/handle/20.500.12116/22263},
  timestamp    = {Tue, 04 Jul 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/mms/MadlmayrLS08.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@phdthesis{DBLP:phd/au/Zmijewska07,
  author       = {Agnieszka Zmijewska},
  title        = {Factors influencing adoption and diffusion of mobile payment systems
                  - a holistic framework},
  school       = {University of Technology Sydney, Australia},
  year         = {2007},
  url          = {https://hdl.handle.net/10453/37540},
  timestamp    = {Wed, 12 Apr 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/phd/au/Zmijewska07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/acj/LimLK07,
  author       = {Benjamin Lim and
                  Heejin Lee and
                  Sherah Kurnia},
  title        = {Exploring the Reasons for a Failure of Electronic Payment Systems:
                  {A} Case Study of and Australian Company},
  journal      = {J. Res. Pract. Inf. Technol.},
  volume       = {39},
  number       = {4},
  pages        = {231--244},
  year         = {2007},
  url          = {http://ws.acs.org.au/jrpit/JRPITVolumes/JRPIT39/JRPIT39.4.231.pdf},
  timestamp    = {Thu, 26 Aug 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/acj/LimLK07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/dud/Graevenitz07,
  author       = {Gerik Alexander von Graevenitz},
  title        = {Biometric authentication in relation to payment systems and ATMs -
                  {A} new approach for biometric verification using finger veins and
                  the start of the proliferation of biometric incorporated ATMs},
  journal      = {Datenschutz und Datensicherheit},
  volume       = {31},
  number       = {9},
  pages        = {681--683},
  year         = {2007},
  url          = {https://doi.org/10.1007/s11623-007-0223-9},
  doi          = {10.1007/S11623-007-0223-9},
  timestamp    = {Sat, 27 May 2017 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/dud/Graevenitz07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ecra/DaiG07,
  author       = {Xiaoling Dai and
                  John C. Grundy},
  title        = {NetPay: An off-line, decentralized micro-payment system for thin-client
                  applications},
  journal      = {Electron. Commer. Res. Appl.},
  volume       = {6},
  number       = {1},
  pages        = {91--101},
  year         = {2007},
  url          = {https://doi.org/10.1016/j.elerap.2005.10.009},
  doi          = {10.1016/J.ELERAP.2005.10.009},
  timestamp    = {Sat, 22 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ecra/DaiG07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijebr/HeM07,
  author       = {Fang He and
                  Peter Mykytyn},
  title        = {Decision Factors for the Adoption of an Online Payment System by Customers},
  journal      = {Int. J. {E} Bus. Res.},
  volume       = {3},
  number       = {4},
  pages        = {1--32},
  year         = {2007},
  url          = {https://doi.org/10.4018/jebr.2007100101},
  doi          = {10.4018/JEBR.2007100101},
  timestamp    = {Thu, 20 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ijebr/HeM07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jitech/OCallaghan07,
  author       = {Ramon O'Callaghan},
  title        = {Fixing the payment system at Alvalade {XXI:} a case on {IT} project
                  risk management},
  journal      = {J. Inf. Technol.},
  volume       = {22},
  number       = {4},
  pages        = {399--409},
  year         = {2007},
  url          = {https://doi.org/10.1057/palgrave.jit.2000116},
  doi          = {10.1057/PALGRAVE.JIT.2000116},
  timestamp    = {Thu, 20 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jitech/OCallaghan07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jucs/DuricMG07,
  author       = {Zoran Duric and
                  Ognjen Maric and
                  Dragan Gasevic},
  title        = {Internet Payment System: {A} New Payment System for Internet Transactions},
  journal      = {J. Univers. Comput. Sci.},
  volume       = {13},
  number       = {4},
  pages        = {479--503},
  year         = {2007},
  url          = {https://doi.org/10.3217/jucs-013-04-0479},
  doi          = {10.3217/JUCS-013-04-0479},
  timestamp    = {Thu, 07 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jucs/DuricMG07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/wpc/LinC07,
  author       = {Iuon{-}Chang Lin and
                  Chin{-}Chen Chang},
  title        = {A Practical Electronic Payment System for Message Delivery Service
                  in the Mobile Environment},
  journal      = {Wirel. Pers. Commun.},
  volume       = {42},
  number       = {2},
  pages        = {247--261},
  year         = {2007},
  url          = {https://doi.org/10.1007/s11277-006-9176-9},
  doi          = {10.1007/S11277-006-9176-9},
  timestamp    = {Thu, 20 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/wpc/LinC07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/aina/MazzariSAB07,
  author       = {Darrel A. Mazzari and
                  Patrick Seraphine and
                  Sheikh Iqbal Ahamed and
                  Sreekanth G. Balasubramanian},
  title        = {Design and Implementation of {EPARK} Wireless Parking Payment System
                  Using Pervasive Computing},
  booktitle    = {21st International Conference on Advanced Information Networking and
                  Applications {(AINA} 2007), Workshops Proceedings, Volume 2, May 21-23,
                  2007, Niagara Falls, Canada},
  pages        = {219--224},
  publisher    = {{IEEE} Computer Society},
  year         = {2007},
  url          = {https://doi.org/10.1109/AINAW.2007.145},
  doi          = {10.1109/AINAW.2007.145},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/aina/MazzariSAB07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/i3e/QifengBP07,
  author       = {Yang Qifeng and
                  Feng Bin and
                  Song Ping},
  editor       = {Weijun Wang and
                  Yanhui Li and
                  Zhao Duan and
                  Li Yan and
                  Hongxiu Li and
                  Xiaoxi Yang},
  title        = {Research on Anti-Tax Evasion System based on Union-Bank Online Payment
                  mode},
  booktitle    = {Integration and Innovation Orient to E-Society, Volume 1, Seventh
                  {IFIP} International Conference on e-Business, e-Services, and e-Society
                  (I3E2007), October 10-12, Wuhan, China},
  series       = {{IFIP} Advances in Information and Communication Technology},
  volume       = {251},
  pages        = {408--416},
  publisher    = {Springer},
  year         = {2007},
  url          = {https://doi.org/10.1007/978-0-387-75466-6\_46},
  doi          = {10.1007/978-0-387-75466-6\_46},
  timestamp    = {Tue, 26 Jun 2018 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/i3e/QifengBP07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ic/ShiratuddinHZS07,
  author       = {Norshuhada Shiratuddin and
                  Shahizan Hassan and
                  Syamsul Bahrin Zaibon and
                  Sobihatun Nur Abd Salam},
  editor       = {Hamid R. Arabnia and
                  Victor A. Clincy and
                  Joan Lu and
                  Jan Smid},
  title        = {Process Flow Models and Acceptance of eBook Mobile Payment System},
  booktitle    = {Proceedings of the 2007 International Conference on Internet Computing,
                  {ICOMP} 2007, Las Vegas, Nevada, USA, June 25-28, 2007},
  pages        = {221--227},
  publisher    = {{CSREA} Press},
  year         = {2007},
  timestamp    = {Thu, 03 Jan 2008 15:16:43 +0100},
  biburl       = {https://dblp.org/rec/conf/ic/ShiratuddinHZS07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iccS/HwangHBL07,
  author       = {Hoyoung Hwang and
                  Moonhaeng Huh and
                  Siwoo Byun and
                  Sung{-}Soo Lim},
  editor       = {Yong Shi and
                  G. Dick van Albada and
                  Jack J. Dongarra and
                  Peter M. A. Sloot},
  title        = {A New Mobile Payment Method for Embedded Systems Using Light Signal},
  booktitle    = {Computational Science - {ICCS} 2007, 7th International Conference,
                  Beijing, China, May 27 - 30, 2007, Proceedings, Part {IV}},
  series       = {Lecture Notes in Computer Science},
  volume       = {4490},
  pages        = {889--896},
  publisher    = {Springer},
  year         = {2007},
  url          = {https://doi.org/10.1007/978-3-540-72590-9\_135},
  doi          = {10.1007/978-3-540-72590-9\_135},
  timestamp    = {Tue, 08 Nov 2022 08:34:37 +0100},
  biburl       = {https://dblp.org/rec/conf/iccS/HwangHBL07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icis/ZachariadisS07,
  author       = {Markos Zachariadis and
                  Susan V. Scott},
  title        = {Diversity in {IS} research: Developing a Mixed Methodology Approach
                  to Understanding the Business Value of Payment System Innovations
                  in Financial Services},
  booktitle    = {Proceedings of the International Conference on Information Systems,
                  {ICIS} 2007, Montreal, Quebec, Canada, December 9-12, 2007},
  pages        = {74},
  publisher    = {Association for Information Systems},
  year         = {2007},
  url          = {http://aisel.aisnet.org/icis2007/74},
  timestamp    = {Wed, 28 Dec 2011 14:49:00 +0100},
  biburl       = {https://dblp.org/rec/conf/icis/ZachariadisS07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icmb/OndrusP07,
  author       = {Jan Ondrus and
                  Yves Pigneur},
  title        = {An Assessment of {NFC} for Future Mobile Payment Systems},
  booktitle    = {International Conference on Mobile Business {(ICMB} 2007), July 9-11,
                  2007, Toronto, Ontario, Canada},
  pages        = {43},
  publisher    = {{IEEE} Computer Society},
  year         = {2007},
  url          = {https://doi.org/10.1109/ICMB.2007.9},
  doi          = {10.1109/ICMB.2007.9},
  timestamp    = {Thu, 23 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/icmb/OndrusP07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iiwas/Al-KhatibH07,
  author       = {Adnan M. Al{-}Khatib and
                  Ezz Hattab},
  editor       = {Gabriele Kotsis and
                  David Taniar and
                  Eric Pardede and
                  Ismail Khalil Ibrahim},
  title        = {Mining Fraudulent Transactions in e-payment Systems},
  booktitle    = {iiWAS'2007 - The Ninth International Conference on Information Integration
                  and Web-based Applications Services, 3-5 December 2007, Jakarta, Indonesia},
  series       = {books@ocg.at},
  volume       = {229},
  pages        = {179--189},
  publisher    = {Austrian Computer Society},
  year         = {2007},
  timestamp    = {Thu, 03 Jan 2008 15:10:51 +0100},
  biburl       = {https://dblp.org/rec/conf/iiwas/Al-KhatibH07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ipccc/VenkataramBNG07,
  author       = {Pallapa Venkataram and
                  B. Sathish Babu and
                  M. K. Naveen and
                  G. H. Samyama Gungal},
  title        = {A Method of Fraud {\&} Intrusion Detection for E-payment Systems
                  in Mobile e-Commerce},
  booktitle    = {Proceedings of the 26th {IEEE} International Performance Computing
                  and Communications Conference, {IPCCC} 2007, April 11-13, 2007, New
                  Orleans, Louisiana, {USA}},
  pages        = {395--401},
  publisher    = {{IEEE} Computer Society},
  year         = {2007},
  url          = {https://doi.org/10.1109/PCCC.2007.358919},
  doi          = {10.1109/PCCC.2007.358919},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/ipccc/VenkataramBNG07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/isse/TrichinaHH07,
  author       = {Elena Trichina and
                  Konstantin Hypp{\"{o}}nen and
                  Marko Hassinen},
  editor       = {Norbert Pohlmann and
                  Helmut Reimer and
                  Wolfgang Schneider},
  title        = {SIM-enabled Open Mobile Payment System Based on Nation-wide {PKI}},
  booktitle    = {{ISSE/SECURE} 2007 - Securing Electronic Business Processes, Highlights
                  of the Information Security Solutions Europe/SECURE 2007 Conference,
                  Warsaw, Poland, September 25-27, 2007},
  pages        = {355--366},
  publisher    = {Vieweg+Teubner},
  year         = {2007},
  url          = {https://doi.org/10.1007/978-3-8348-9418-2\_38},
  doi          = {10.1007/978-3-8348-9418-2\_38},
  timestamp    = {Wed, 24 Apr 2019 16:36:13 +0200},
  biburl       = {https://dblp.org/rec/conf/isse/TrichinaHH07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/kesamsta/OuO07,
  author       = {Chung{-}Ming Ou and
                  Chung{-}Ren Ou},
  editor       = {Ngoc Thanh Nguyen and
                  Adam Grzech and
                  Robert J. Howlett and
                  Lakhmi C. Jain},
  title        = {Non-repudiation Mechanism of Agent-Based Mobile Payment Systems: Perspectives
                  on Wireless {PKI}},
  booktitle    = {Agent and Multi-Agent Systems: Technologies and Applications, First
                  {KES} International Symposium, {KES-AMSTA} 2007, Wroclaw, Poland,
                  May 31- June 1, 2007, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {4496},
  pages        = {298--307},
  publisher    = {Springer},
  year         = {2007},
  url          = {https://doi.org/10.1007/978-3-540-72830-6\_31},
  doi          = {10.1007/978-3-540-72830-6\_31},
  timestamp    = {Thu, 16 Mar 2023 20:00:31 +0100},
  biburl       = {https://dblp.org/rec/conf/kesamsta/OuO07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/pdcn/NissiS07,
  author       = {T. Nissi and
                  Mika Silander},
  editor       = {Helmar Burkhart},
  title        = {Electronic payment system for grid services},
  booktitle    = {Proceedings of the {IASTED} International Conference on Parallel and
                  Distributed Computing and Networks, as part of the 25th {IASTED} International
                  Multi-Conference on Applied Informatics, February 13-15 2007, Innsbruck,
                  Austria},
  pages        = {84--89},
  publisher    = {{IASTED/ACTA} Press},
  year         = {2007},
  timestamp    = {Thu, 25 Oct 2007 15:04:30 +0200},
  biburl       = {https://dblp.org/rec/conf/pdcn/NissiS07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/wecwis/CheongFL07,
  author       = {Chi Po Cheong and
                  Simon Fong and
                  Pouwan Lei},
  title        = {Efficient and Secure Card-based Payment System Based on {ANSI} {X9.59-2006}},
  booktitle    = {9th {IEEE} International Conference on E-Commerce Technology {(CEC}
                  2007) / 4th {IEEE} International Conference on Enterprise Computing,
                  E-Commerce and E-Services {(EEE} 2007), 23-26 July 2007, National
                  Center of Sciences, Tokyo, Japan},
  pages        = {247--254},
  publisher    = {{IEEE} Computer Society},
  year         = {2007},
  url          = {https://doi.org/10.1109/CEC-EEE.2007.43},
  doi          = {10.1109/CEC-EEE.2007.43},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/wecwis/CheongFL07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@incollection{DBLP:series/sci/Qiu07,
  author       = {Weidong Qiu},
  editor       = {Bernd J. Kr{\"{a}}mer and
                  Wolfgang A. Halang},
  title        = {A Fair Off-line Electronic Payment System},
  booktitle    = {Contributions to Ubiquitous Computing},
  series       = {Studies in Computational Intelligence},
  volume       = {42},
  pages        = {177--195},
  publisher    = {Springer},
  year         = {2007},
  url          = {https://doi.org/10.1007/978-3-540-44910-2\_9},
  doi          = {10.1007/978-3-540-44910-2\_9},
  timestamp    = {Tue, 16 May 2017 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/series/sci/Qiu07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@incollection{DBLP:series/sci/Rocha-MierSV07,
  author       = {Luis E. Rocha{-}Mier and
                  Leonid Sheremetov and
                  Francisco Villarreal},
  editor       = {Ildar Z. Batyrshin and
                  Janusz Kacprzyk and
                  Leonid Sheremetov and
                  Lotfi A. Zadeh},
  title        = {Collective Intelligence in Multiagent Systems: Interbank PaymentSystems
                  Application},
  booktitle    = {Perception-based Data Mining and Decision Making in Economics and
                  Finance},
  series       = {Studies in Computational Intelligence},
  volume       = {36},
  pages        = {331--351},
  publisher    = {Springer},
  year         = {2007},
  url          = {https://doi.org/10.1007/978-3-540-36247-0\_13},
  doi          = {10.1007/978-3-540-36247-0\_13},
  timestamp    = {Mon, 03 Jan 2022 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/series/sci/Rocha-MierSV07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@incollection{DBLP:reference/ethics/Grillo07,
  author       = {Antonio Grillo},
  editor       = {Marian Quigley},
  title        = {{B-POS} Secure Mobile Payment System},
  booktitle    = {Encyclopedia of Information Ethics and Security},
  pages        = {55--61},
  publisher    = {{IGI} Global},
  year         = {2007},
  url          = {http://www.igi-global.com/Bookstore/chapter.aspx?titleid=13452},
  timestamp    = {Wed, 12 Jul 2017 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/reference/ethics/Grillo07.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-0705-3050,
  author       = {Marco Galbiati and
                  Kimmo Soramaki},
  title        = {A competitive multi-agent model of interbank payment systems},
  journal      = {CoRR},
  volume       = {abs/0705.3050},
  year         = {2007},
  url          = {http://arxiv.org/abs/0705.3050},
  eprinttype    = {arXiv},
  eprint       = {0705.3050},
  timestamp    = {Mon, 13 Aug 2018 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-0705-3050.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@phdthesis{DBLP:phd/ethos/Arora06,
  author       = {Gurleen Kaur Arora},
  title        = {A framework for cascading payment and content exchange within {P2P}
                  systems},
  school       = {Liverpool John Moores University, {UK}},
  year         = {2006},
  url          = {https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.436568},
  timestamp    = {Tue, 05 Apr 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/phd/ethos/Arora06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/giq/HungCY06,
  author       = {Shin{-}Yuan Hung and
                  Chia{-}Ming Chang and
                  Ting{-}Jing Yu},
  title        = {Determinants of user acceptance of the e-Government services: The
                  case of online tax filing and payment system},
  journal      = {Gov. Inf. Q.},
  volume       = {23},
  number       = {1},
  pages        = {97--122},
  year         = {2006},
  url          = {https://doi.org/10.1016/j.giq.2005.11.005},
  doi          = {10.1016/J.GIQ.2005.11.005},
  timestamp    = {Wed, 19 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/giq/HungCY06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/mcm/YangW06,
  author       = {Po{-}Chung Yang and
                  Hui{-}Ming Wee},
  title        = {A collaborative inventory system with permissible delay in payment
                  for deteriorating items},
  journal      = {Math. Comput. Model.},
  volume       = {43},
  number       = {3-4},
  pages        = {209--221},
  year         = {2006},
  url          = {https://doi.org/10.1016/j.mcm.2005.09.029},
  doi          = {10.1016/J.MCM.2005.09.029},
  timestamp    = {Wed, 17 Feb 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/mcm/YangW06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/IEEEares/GrabensekD06,
  author       = {Leon Grabensek and
                  Sasa Divjak},
  title        = {Guidelines for Biometric Recognition in Wireless System for Payment
                  Confirmation},
  booktitle    = {Proceedings of the The First International Conference on Availability,
                  Reliability and Security, {ARES} 2006, The International Dependability
                  Conference - Bridging Theory and Practice, April 20-22 2006, Vienna
                  University of Technology, Austria},
  pages        = {90--99},
  publisher    = {{IEEE} Computer Society},
  year         = {2006},
  url          = {https://doi.org/10.1109/ARES.2006.70},
  doi          = {10.1109/ARES.2006.70},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/IEEEares/GrabensekD06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/acsw/PasupathinathanPWC06,
  author       = {Vijayakrishnan Pasupathinathan and
                  Josef Pieprzyk and
                  Huaxiong Wang and
                  Joo Yeon Cho},
  editor       = {Rajkumar Buyya and
                  Tianchi Ma and
                  Reihaneh Safavi{-}Naini and
                  Chris Steketee and
                  Willy Susilo},
  title        = {Formal analysis of card-based payment systems in mobile devices},
  booktitle    = {The proceedings of the Fourth Australasian Symposium on Grid Computing
                  and e-Research (AusGrid 2006) and the Fourth Australasian Information
                  Security Workshop (Network Security) {(AISW} 2006), Hobart, Tasmania,
                  Australia, January 2006},
  series       = {{CRPIT}},
  volume       = {54},
  pages        = {213--220},
  publisher    = {Australian Computer Society},
  year         = {2006},
  url          = {https://dl.acm.org/citation.cfm?id=1151853},
  timestamp    = {Mon, 26 Nov 2018 12:14:45 +0100},
  biburl       = {https://dblp.org/rec/conf/acsw/PasupathinathanPWC06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/cms/HongK06,
  author       = {Seng{-}Phil Hong and
                  Sungmin Kang},
  editor       = {Herbert Leitold and
                  Evangelos P. Markatos},
  title        = {Ensuring Privacy in Smartcard-Based Payment Systems: {A} Case Study
                  of Public Metro Transit Systems},
  booktitle    = {Communications and Multimedia Security, 10th {IFIP} {TC-6} {TC-11}
                  International Conference, {CMS} 2006, Heraklion, Crete, Greece, October
                  19-21, 2006, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {4237},
  pages        = {206--215},
  publisher    = {Springer},
  year         = {2006},
  url          = {https://doi.org/10.1007/11909033\_19},
  doi          = {10.1007/11909033\_19},
  timestamp    = {Tue, 14 May 2019 10:00:42 +0200},
  biburl       = {https://dblp.org/rec/conf/cms/HongK06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/comsware/WuDLS06,
  author       = {Xianping Wu and
                  Osama Dandash and
                  Phu Dung Le and
                  Bala Srinivasan},
  editor       = {Victor Bahl and
                  Bijendra Nath Jain and
                  Henning Schulzrinne and
                  Alfred Z. Spector},
  title        = {The design and implementation of a wireless payment system},
  booktitle    = {Proceedings of the First International Conference on COMmunication
                  System softWAre and MiddlewaRE {(COMSWARE} 2006), January 8-12, 2006,
                  New Delhi, India},
  publisher    = {{IEEE}},
  year         = {2006},
  timestamp    = {Wed, 16 Oct 2019 14:14:51 +0200},
  biburl       = {https://dblp.org/rec/conf/comsware/WuDLS06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/etrics/HassinenHH06,
  author       = {Marko Hassinen and
                  Konstantin Hypp{\"{o}}nen and
                  Keijo Haataja},
  editor       = {G{\"{u}}nter M{\"{u}}ller},
  title        = {An Open, PKI-Based Mobile Payment System},
  booktitle    = {Emerging Trends in Information and Communication Security, International
                  Conference, {ETRICS} 2006, Freiburg, Germany, June 6-9, 2006, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {3995},
  pages        = {86--100},
  publisher    = {Springer},
  year         = {2006},
  url          = {https://doi.org/10.1007/11766155\_7},
  doi          = {10.1007/11766155\_7},
  timestamp    = {Tue, 14 May 2019 10:00:53 +0200},
  biburl       = {https://dblp.org/rec/conf/etrics/HassinenHH06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/eumas/AnhaltK06,
  author       = {Christian Anhalt and
                  Stefan Kirn},
  editor       = {Barbara Dunin{-}Keplicz and
                  Andrea Omicini and
                  Julian A. Padget},
  title        = {Towards Payment Systems for Mobile Agents},
  booktitle    = {Proceedings of the 4th European Workshop on Multi-Agent Systems EUMAS'06,
                  Lisbon, Portugal, December 14-15, 2006},
  series       = {{CEUR} Workshop Proceedings},
  volume       = {223},
  publisher    = {CEUR-WS.org},
  year         = {2006},
  url          = {https://ceur-ws.org/Vol-223/49.pdf},
  timestamp    = {Fri, 10 Mar 2023 16:22:57 +0100},
  biburl       = {https://dblp.org/rec/conf/eumas/AnhaltK06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/hicss/Oh06,
  author       = {Sangjo Oh},
  title        = {A Stakeholder Perspective on Successful Electronic Payment Systems
                  Diffusion},
  booktitle    = {39th Hawaii International International Conference on Systems Science
                  {(HICSS-39} 2006), {CD-ROM} / Abstracts Proceedings, 4-7 January 2006,
                  Kauai, HI, {USA}},
  publisher    = {{IEEE} Computer Society},
  year         = {2006},
  url          = {https://doi.org/10.1109/HICSS.2006.31},
  doi          = {10.1109/HICSS.2006.31},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/hicss/Oh06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/i3e/Martinez-PelaezR06,
  author       = {Rafael Mart{\'{\i}}nez{-}Pel{\'{a}}ez and
                  Francisco Rico{-}Novella},
  editor       = {Reima Suomi and
                  Regis Cabral and
                  J. Felix Hampe and
                  Arto Heikkil{\"{a}} and
                  Jonna J{\"{a}}rvel{\"{a}}inen and
                  Eija Koskivaara},
  title        = {Application of Electronic Currency on the Online Payment System like
                  PayPal},
  booktitle    = {Project E-Society: Building Bricks, 6TH {IFIP} International Conference
                  on e-Commerce, e-Business, and e-Government {(I3E} 2006), October
                  11-13, 2006, Turku, Finland},
  series       = {{IFIP}},
  volume       = {226},
  pages        = {44--56},
  publisher    = {Springer},
  year         = {2006},
  url          = {https://doi.org/10.1007/978-0-387-39229-5\_5},
  doi          = {10.1007/978-0-387-39229-5\_5},
  timestamp    = {Tue, 26 Jun 2018 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/i3e/Martinez-PelaezR06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icdcs/WeiSCV06,
  author       = {Kai Wei and
                  Alan J. Smith and
                  Yih{-}Farn Robin Chen and
                  Binh Vo},
  title        = {WhoPay: {A} Scalable and Anonymous Payment System for Peer-to-Peer
                  Environments},
  booktitle    = {26th {IEEE} International Conference on Distributed Computing Systems
                  {(ICDCS} 2006), 4-7 July 2006, Lisboa, Portugal},
  pages        = {13},
  publisher    = {{IEEE} Computer Society},
  year         = {2006},
  url          = {https://doi.org/10.1109/ICDCS.2006.85},
  doi          = {10.1109/ICDCS.2006.85},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/icdcs/WeiSCV06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icis/OCallaghan06,
  author       = {Ramon O'Callaghan},
  title        = {Fixing the Payment System at Alvalade {XXI}},
  booktitle    = {Proceedings of the International Conference on Information Systems,
                  {ICIS} 2006, Milwaukee, Wisconsin, USA, December 10-13, 2006},
  pages        = {96},
  publisher    = {Association for Information Systems},
  year         = {2006},
  url          = {http://aisel.aisnet.org/icis2006/96},
  timestamp    = {Wed, 28 Dec 2011 16:08:44 +0100},
  biburl       = {https://dblp.org/rec/conf/icis/OCallaghan06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icmb/OndrusP06,
  author       = {Jan Ondrus and
                  Yves Pigneur},
  title        = {A Systematic Approach to Explain the Delayed Deployment of Mobile
                  Payments in Switzerland},
  booktitle    = {2006 International Conference on Mobile Business {(ICMB} 2006), 26-27
                  June 2006, Copenhagen, Denmark},
  pages        = {6},
  publisher    = {{IEEE} Computer Society},
  year         = {2006},
  url          = {https://doi.org/10.1109/ICMB.2006.5},
  doi          = {10.1109/ICMB.2006.5},
  timestamp    = {Thu, 23 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/icmb/OndrusP06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icsoc/BugajskiGV06,
  author       = {Joseph Bugajski and
                  Robert L. Grossman and
                  Steve Vejcik},
  editor       = {Asit Dan and
                  Winfried Lamersdorf},
  title        = {A Service Oriented Architecture Supporting Data Interoperability for
                  Payments Card Processing Systems},
  booktitle    = {Service-Oriented Computing - {ICSOC} 2006, 4th International Conference,
                  Chicago, IL, USA, December 4-7, 2006, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {4294},
  pages        = {591--600},
  publisher    = {Springer},
  year         = {2006},
  url          = {https://doi.org/10.1007/11948148\_57},
  doi          = {10.1007/11948148\_57},
  timestamp    = {Tue, 14 May 2019 10:00:36 +0200},
  biburl       = {https://dblp.org/rec/conf/icsoc/BugajskiGV06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icuc/GarciaPCHP06,
  author       = {Carmelo R. Garc{\'{\i}}a and
                  Ricardo P{\'{e}}rez and
                  Joaqu{\'{\i}}n Caraballo and
                  Francisco Alay{\'{o}}n Hern{\'{a}}ndez and
                  Gabino Padr{\'{o}}n},
  editor       = {Jos{\'{e}} Antonio Guti{\'{e}}rrez de Mesa and
                  Roberto Barchino and
                  Jos{\'{e}} M. Guti{\'{e}}rrez Mart{\'{\i}}nez},
  title        = {A Proposal of Payment System for Public Transport based on Ubiquitous
                  Paradigm},
  booktitle    = {Proceedings of the I. International Conference on Ubiquitous Computing:
                  Applications, Technology and Social Issues, Alcal{\'{a}} de Henares,
                  Madrid, Spain, June 7-9, 2006},
  series       = {{CEUR} Workshop Proceedings},
  volume       = {208},
  publisher    = {CEUR-WS.org},
  year         = {2006},
  url          = {https://ceur-ws.org/Vol-208/paper30.pdf},
  timestamp    = {Fri, 10 Mar 2023 16:23:34 +0100},
  biburl       = {https://dblp.org/rec/conf/icuc/GarciaPCHP06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icuc/MunozGRAFAC06,
  author       = {Alejandro Bascu{\~{n}}ana Mu{\~{n}}oz and
                  M{\'{o}}nica Gorricho and
                  Silvia Renter{\'{\i}}a and
                  Esther Alcolea and
                  Christian Ferveur and
                  Pasi Ahonen and
                  Jean{-}Pierre Chichignoud},
  editor       = {Jos{\'{e}} Antonio Guti{\'{e}}rrez de Mesa and
                  Roberto Barchino and
                  Jos{\'{e}} M. Guti{\'{e}}rrez Mart{\'{\i}}nez},
  title        = {{SHOPS:} Towards a Secure System for Identity Management and Payments
                  in the New Electrical Market},
  booktitle    = {Proceedings of the I. International Conference on Ubiquitous Computing:
                  Applications, Technology and Social Issues, Alcal{\'{a}} de Henares,
                  Madrid, Spain, June 7-9, 2006},
  series       = {{CEUR} Workshop Proceedings},
  volume       = {208},
  publisher    = {CEUR-WS.org},
  year         = {2006},
  url          = {https://ceur-ws.org/Vol-208/paper32.pdf},
  timestamp    = {Fri, 10 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/icuc/MunozGRAFAC06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iscc/AulettaBCR06,
  author       = {Vincenzo Auletta and
                  Carlo Blundo and
                  Stelvio Cimato and
                  Guerriero Raimato},
  editor       = {Paolo Bellavista and
                  Chi{-}Ming Chen and
                  Antonio Corradi and
                  Mahmoud Daneshmand},
  title        = {A Web Service Based Micro-payment System},
  booktitle    = {Proceedings of the 11th {IEEE} Symposium on Computers and Communications
                  {(ISCC} 2006), 26-29 June 2006, Cagliari, Sardinia, Italy},
  pages        = {328--333},
  publisher    = {{IEEE} Computer Society},
  year         = {2006},
  url          = {https://doi.org/10.1109/ISCC.2006.20},
  doi          = {10.1109/ISCC.2006.20},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/iscc/AulettaBCR06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/itng/WuDL06,
  author       = {Xianping Wu and
                  Osama Dandash and
                  Phu Dung Le},
  title        = {The Design and Implementation of a Smartphone Payment System based
                  on Limited-used Key Generation Scheme},
  booktitle    = {Third International Conference on Information Technology: New Generations
                  {(ITNG} 2006), 10-12 April 2006, Las Vegas, Nevada, {USA}},
  pages        = {458--463},
  publisher    = {{IEEE} Computer Society},
  year         = {2006},
  url          = {https://doi.org/10.1109/ITNG.2006.128},
  doi          = {10.1109/ITNG.2006.128},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/itng/WuDL06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/kes/KimY06,
  author       = {Woong{-}Sik Kim and
                  Weon{-}Hee Yoo},
  editor       = {Bogdan Gabrys and
                  Robert J. Howlett and
                  Lakhmi C. Jain},
  title        = {The Implementation of an Improved Fingerprint Payment Verification
                  System},
  booktitle    = {Knowledge-Based Intelligent Information and Engineering Systems, 10th
                  International Conference, {KES} 2006, Bournemouth, UK, October 9-11,
                  2006, Proceedings, Part {I}},
  series       = {Lecture Notes in Computer Science},
  volume       = {4251},
  pages        = {898--905},
  publisher    = {Springer},
  year         = {2006},
  url          = {https://doi.org/10.1007/11892960\_108},
  doi          = {10.1007/11892960\_108},
  timestamp    = {Tue, 14 May 2019 10:00:51 +0200},
  biburl       = {https://dblp.org/rec/conf/kes/KimY06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/wecwis/HamadKA06,
  author       = {Ahmed M. Hamad and
                  Mohamed Kouta and
                  Yasmine M. Afify},
  title        = {Evaluation of Probabilistic Payment Systems},
  booktitle    = {Eighth {IEEE} International Conference on E-Commerce Technology {(CEC}
                  2006) / Third {IEEE} International Conference on Enterprise Computing,
                  E-Commerce and E-Services {(EEE} 2006) and Workshops, 26-29 June 2006,
                  Palo Alto, California, {USA}},
  pages        = {19},
  publisher    = {{IEEE} Computer Society},
  year         = {2006},
  url          = {https://doi.org/10.1109/CEC-EEE.2006.46},
  doi          = {10.1109/CEC-EEE.2006.46},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/wecwis/HamadKA06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@incollection{DBLP:books/sp/06/PiechPM06,
  author       = {Henryk Piech and
                  Aleksandra Ptak and
                  Marcin Machura},
  editor       = {Khalid Saeed and
                  Jerzy Pejas and
                  Romuald Mosdorf},
  title        = {Interchangeable Strategies in Games without Side Payments on the Base
                  of Uncertain Information on Resources},
  booktitle    = {Biometrics, Computer Security Systems and Artificial Intelligence
                  Applications},
  pages        = {269--278},
  publisher    = {Springer},
  year         = {2006},
  url          = {https://doi.org/10.1007/978-0-387-36503-9\_25},
  doi          = {10.1007/978-0-387-36503-9\_25},
  timestamp    = {Thu, 24 Jan 2019 17:16:20 +0100},
  biburl       = {https://dblp.org/rec/books/sp/06/PiechPM06.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/corr/abs-cs-0605063,
  author       = {Asif Ahmed Anik and
                  Al{-}Mukaddim Khan Pathan},
  title        = {An Electronic Payment System to Ensure Cost Effectiveness with Easy
                  Security Incorporation for the Developing Countries},
  journal      = {CoRR},
  volume       = {abs/cs/0605063},
  year         = {2006},
  url          = {http://arxiv.org/abs/cs/0605063},
  eprinttype    = {arXiv},
  eprint       = {cs/0605063},
  timestamp    = {Mon, 13 Aug 2018 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/corr/abs-cs-0605063.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/cmpb/AbeTCKA05,
  author       = {Toshikazu Abe and
                  Shin{-}ichi Toyabe and
                  Pengyu Cao and
                  Sachiko Kurashima and
                  Kouhei Akazawa},
  title        = {Development of a simulation program for estimating hospital incomes
                  under the prospective payment system},
  journal      = {Comput. Methods Programs Biomed.},
  volume       = {80},
  number       = {3},
  pages        = {271--276},
  year         = {2005},
  url          = {https://doi.org/10.1016/j.cmpb.2005.09.003},
  doi          = {10.1016/J.CMPB.2005.09.003},
  timestamp    = {Sat, 30 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/cmpb/AbeTCKA05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/dss/TannaGRU05,
  author       = {G. B. Tanna and
                  Manish Gupta and
                  H. Raghav Rao and
                  Shambhu J. Upadhyaya},
  title        = {Information assurance metric development framework for electronic
                  bill presentment and payment systems using transaction and workflow
                  analysis},
  journal      = {Decis. Support Syst.},
  volume       = {41},
  number       = {1},
  pages        = {242--261},
  year         = {2005},
  url          = {https://doi.org/10.1016/j.dss.2004.06.013},
  doi          = {10.1016/J.DSS.2004.06.013},
  timestamp    = {Fri, 16 Jul 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/dss/TannaGRU05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/isf/PatilS05,
  author       = {Vishwas Patil and
                  R. K. Shyamasundar},
  title        = {\emph{e-coupons}: An Efficient, Secure and Delegable Micro-Payment
                  System},
  journal      = {Inf. Syst. Frontiers},
  volume       = {7},
  number       = {4-5},
  pages        = {371--389},
  year         = {2005},
  url          = {https://doi.org/10.1007/s10796-005-4809-1},
  doi          = {10.1007/S10796-005-4809-1},
  timestamp    = {Fri, 13 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/isf/PatilS05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jeim/McHenryB05,
  author       = {William K. McHenry and
                  Artem Borisov},
  title        = {E-government public-private partnerships: the "Gorod" payments system
                  in Siberia},
  journal      = {J. Enterp. Inf. Manag.},
  volume       = {18},
  number       = {5},
  pages        = {625--640},
  year         = {2005},
  url          = {https://doi.org/10.1108/17410390510624043},
  doi          = {10.1108/17410390510624043},
  timestamp    = {Thu, 02 Apr 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jeim/McHenryB05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/csfw/BackesD05,
  author       = {Michael Backes and
                  Markus D{\"{u}}rmuth},
  title        = {A Cryptographically Sound Dolev-Yao Style Security Proof of an Electronic
                  Payment System},
  booktitle    = {18th {IEEE} Computer Security Foundations Workshop, {(CSFW-18} 2005),
                  20-22 June 2005, Aix-en-Provence, France},
  pages        = {78--93},
  publisher    = {{IEEE} Computer Society},
  year         = {2005},
  url          = {https://doi.org/10.1109/CSFW.2005.5},
  doi          = {10.1109/CSFW.2005.5},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/csfw/BackesD05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/csreaEEE/JinLKR05,
  author       = {Sei{-}Mei Jin and
                  Hyunju Lee and
                  Sung Soo Kang and
                  Chung S. Rhee},
  editor       = {Hamid R. Arabnia},
  title        = {ID-based Payment system for Wireless Internet Commerce},
  booktitle    = {Proceedings of The 2005 International Conference on E-Business, Enterprise
                  Information Systems, E-Government, and Outsourcing, {EEE} 2005, Las
                  Vegas, Nevada, USA, June 20-23, 2005},
  pages        = {127--133},
  publisher    = {{CSREA} Press},
  year         = {2005},
  timestamp    = {Wed, 15 Feb 2006 13:02:55 +0100},
  biburl       = {https://dblp.org/rec/conf/csreaEEE/JinLKR05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/eee/DaniKS05,
  author       = {Ajay R. Dani and
                  P. Radha Krishna and
                  V. Subramanian},
  title        = {An Electronic Payment System Architecture for Composite Payment Transactions},
  booktitle    = {2005 {IEEE} International Conference on e-Technology, e-Commerce,
                  and e-Services {(EEE} 2005), 29 March - 1 April 2005, Hong Kong, China},
  pages        = {552--555},
  publisher    = {{IEEE} Computer Society},
  year         = {2005},
  url          = {https://doi.org/10.1109/EEE.2005.32},
  doi          = {10.1109/EEE.2005.32},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/eee/DaniKS05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iadis/Al-DaoudAA05,
  author       = {Essam Al{-}Daoud and
                  Khalid Suliman Al{-}Tahat and
                  Hamed Al{-}Fawareh},
  editor       = {Nuno Guimar{\~{a}}es and
                  Pedro T. Isa{\'{\i}}as},
  title        = {Sparse elliptic curve cryptography to improve the electronic payment
                  systems},
  booktitle    = {{AC} 2005, Proceedings of the {IADIS} International Conference on
                  Applied Computing, Algarve, Portugal, February 22-25, 2005, Volume
                  1},
  pages        = {129--137},
  publisher    = {{IADIS}},
  year         = {2005},
  timestamp    = {Thu, 16 Nov 2017 18:21:03 +0100},
  biburl       = {https://dblp.org/rec/conf/iadis/Al-DaoudAA05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icdcit/DaiG05,
  author       = {Xiaoling Dai and
                  John C. Grundy},
  editor       = {Goutam Chakraborty},
  title        = {Off-Line Micro-payment System for Content Sharing in {P2P} Networks},
  booktitle    = {Distributed Computing and Internet Technology, Second International
                  Conference, {ICDCIT} 2005, Bhubaneswar, India, December 22-24, 2005,
                  Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {3816},
  pages        = {297--307},
  publisher    = {Springer},
  year         = {2005},
  url          = {https://doi.org/10.1007/11604655\_34},
  doi          = {10.1007/11604655\_34},
  timestamp    = {Tue, 14 May 2019 10:00:46 +0200},
  biburl       = {https://dblp.org/rec/conf/icdcit/DaiG05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icdcsw/KimKC05,
  author       = {Hyun Seok Kim and
                  Il{-}Gon Kim and
                  Jin{-}Young Choi},
  title        = {Analysis of Security Protocols with Certificate over Open Networks:
                  Electronic Payment System},
  booktitle    = {25th International Conference on Distributed Computing Systems Workshops
                  {(ICDCS} 2005 Workshops), 6-10 June 2005, Columbus, OH, {USA}},
  pages        = {217--223},
  publisher    = {{IEEE} Computer Society},
  year         = {2005},
  url          = {https://doi.org/10.1109/ICDCSW.2005.41},
  doi          = {10.1109/ICDCSW.2005.41},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/icdcsw/KimKC05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icebe/LiuLZ05,
  author       = {Jun Liu and
                  Jianxin Liao and
                  Xiaomin Zhu},
  editor       = {Francis C. M. Lau and
                  Hui Lei and
                  Xiaofeng Meng and
                  Min Wang},
  title        = {A System Model and Protocol for Mobile Payment},
  booktitle    = {2005 {IEEE} International Conference on e-Business Engineering {(ICEBE}
                  2005), 18-21 October 2005, Beijing, China},
  pages        = {638--641},
  publisher    = {{IEEE} Computer Society},
  year         = {2005},
  url          = {https://doi.org/10.1109/ICEBE.2005.18},
  doi          = {10.1109/ICEBE.2005.18},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/icebe/LiuLZ05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icete/Nagy05,
  author       = {Daniel A. Nagy},
  editor       = {Joaquim Filipe and
                  Luminita Vasiu},
  title        = {On digital cash-like payment systems},
  booktitle    = {{ICETE} 2005 - Proceedings of the Second International Conference
                  on e-Business and Telecommunication Networks, Reading, UK, October
                  3-7, 2005},
  pages        = {66--73},
  publisher    = {{INSTICC} Press},
  year         = {2005},
  timestamp    = {Tue, 07 Nov 2006 14:13:57 +0100},
  biburl       = {https://dblp.org/rec/conf/icete/Nagy05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icete/Nagy05a,
  author       = {Daniel A. Nagy},
  editor       = {Joaquim Filipe and
                  Helder Coelhas and
                  M{\'{o}}nica Saramago},
  title        = {On Digital Cash-Like Payment Systems},
  booktitle    = {E-business and Telecommunication Networks - Second International Conference,
                  {ICETE} 2005, Reading, UK, October 3-7, 2005. Selected Papers},
  series       = {Communications in Computer and Information Science},
  volume       = {3},
  pages        = {26--38},
  year         = {2005},
  url          = {https://doi.org/10.1007/978-3-540-75993-5\_3},
  doi          = {10.1007/978-3-540-75993-5\_3},
  timestamp    = {Tue, 16 Aug 2022 23:04:29 +0200},
  biburl       = {https://dblp.org/rec/conf/icete/Nagy05a.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icmb/MallatT05,
  author       = {Niina Mallat and
                  Virpi Kristiina Tuunainen},
  title        = {Merchant Adoption of Mobile Payment Systems},
  booktitle    = {2005 International Conference on Mobile Business {(ICMB} 2005), 11-13
                  July 2005, Sydney, Australia},
  pages        = {347--353},
  publisher    = {{IEEE} Computer Society},
  year         = {2005},
  url          = {https://doi.org/10.1109/ICMB.2005.58},
  doi          = {10.1109/ICMB.2005.58},
  timestamp    = {Sat, 30 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/icmb/MallatT05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icmb/SaxenaDG05,
  author       = {Ashutosh Saxena and
                  Manik Lal Das and
                  Anurag Gupta},
  title        = {{MMPS:} {A} Versatile Mobile-to-Mobile Payment System},
  booktitle    = {2005 International Conference on Mobile Business {(ICMB} 2005), 11-13
                  July 2005, Sydney, Australia},
  pages        = {400--405},
  publisher    = {{IEEE} Computer Society},
  year         = {2005},
  url          = {https://doi.org/10.1109/ICMB.2005.61},
  doi          = {10.1109/ICMB.2005.61},
  timestamp    = {Sat, 30 Sep 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/icmb/SaxenaDG05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ifip5-5/OsorioCG05,
  author       = {A. Lu{\'{\i}}s Os{\'{o}}rio and
                  Luis M. Camarinha{-}Matos and
                  J. Sales Gomes},
  editor       = {Luis M. Camarinha{-}Matos and
                  Hamideh Afsarmanesh and
                  {\'{A}}ngel Ortiz Bas},
  title        = {A Collaborative Network Case Study: The Extended "ViaVerde" Toll Payment
                  System},
  booktitle    = {Collaborative Networks and Their Breeding Environments - {IFIP} {TC5}
                  {WG} 5.5 Sixth {IFIP} Working Conference on Virtual Enterprises, {PRE-VE}
                  2005, 26-28 September, 2005, Valencia, Spain},
  series       = {{IFIP}},
  volume       = {186},
  pages        = {559--568},
  publisher    = {Springer},
  year         = {2005},
  url          = {https://doi.org/10.1007/0-387-29360-4\_59},
  doi          = {10.1007/0-387-29360-4\_59},
  timestamp    = {Thu, 28 Feb 2019 15:59:22 +0100},
  biburl       = {https://dblp.org/rec/conf/ifip5-5/OsorioCG05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/itcc/DandashWL05,
  author       = {Osama Dandash and
                  Xianping Wu and
                  Phu Dung Le},
  title        = {Wireless Internet Payment System Using Smart Cards},
  booktitle    = {International Symposium on Information Technology: Coding and Computing
                  {(ITCC} 2005), Volume 2, 4-6 April 2005, Las Vegas, Nevada, {USA}},
  pages        = {16--21},
  publisher    = {{IEEE} Computer Society},
  year         = {2005},
  url          = {https://doi.org/10.1109/ITCC.2005.298},
  doi          = {10.1109/ITCC.2005.298},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/itcc/DandashWL05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/itcc/Djuric05,
  author       = {Zoran Duric},
  title        = {{IPS} - Secure Internet Payment System},
  booktitle    = {International Symposium on Information Technology: Coding and Computing
                  {(ITCC} 2005), Volume 1, 4-6 April 2005, Las Vegas, Nevada, {USA}},
  pages        = {425--430},
  publisher    = {{IEEE} Computer Society},
  year         = {2005},
  url          = {https://doi.org/10.1109/ITCC.2005.181},
  doi          = {10.1109/ITCC.2005.181},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/itcc/Djuric05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/or/StraussUW05,
  author       = {Christine Strauss and
                  Melitta Urbanek and
                  Gernot W{\"{o}}rther},
  editor       = {Hans{-}Dietrich Haasis and
                  Herbert Kopfer and
                  J{\"{o}}rn Sch{\"{o}}nberger},
  title        = {m-Parking - Mobile Parking Payment Systems in Europa},
  booktitle    = {Operations Research Proceedings 2005, Selected Papers of the Annual
                  International Conference of the German Operations Research Society
                  (GOR), Bremen, Germany, September 7-9, 2005},
  pages        = {551--556},
  year         = {2005},
  url          = {https://doi.org/10.1007/3-540-32539-5\_87},
  doi          = {10.1007/3-540-32539-5\_87},
  timestamp    = {Sun, 02 Jun 2019 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/or/StraussUW05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/trustbus/GrossLS05,
  author       = {Stephan Gro{\ss} and
                  Sabine Lein and
                  Sandra Steinbrecher},
  editor       = {Sokratis K. Katsikas and
                  Javier L{\'{o}}pez and
                  G{\"{u}}nther Pernul},
  title        = {A Multilateral Secure Payment System for Wireless {LAN} Hotspots},
  booktitle    = {Trust, Privacy and Security in Digital Business: Second International
                  Conference, TrustBus 2005, Copenhagen, Denmark, August 22-26, 2005,
                  Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {3592},
  pages        = {80--89},
  publisher    = {Springer},
  year         = {2005},
  url          = {https://doi.org/10.1007/11537878\_9},
  doi          = {10.1007/11537878\_9},
  timestamp    = {Thu, 29 Aug 2019 08:10:00 +0200},
  biburl       = {https://dblp.org/rec/conf/trustbus/GrossLS05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@incollection{DBLP:books/sp/05/FrayP05,
  author       = {Imed El Fray and
                  Jerzy Pejas},
  editor       = {Jerzy Pejas and
                  Andrzej Piegat},
  title        = {Integrated Payment System for Public Key Infrastructure Services},
  booktitle    = {Enhanced Methods in Computer Security, Biometric and Artificial Intelligence
                  Systems},
  pages        = {47--59},
  publisher    = {Springer},
  year         = {2005},
  url          = {https://doi.org/10.1007/0-387-23484-5\_5},
  doi          = {10.1007/0-387-23484-5\_5},
  timestamp    = {Sat, 19 Oct 2019 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/books/sp/05/FrayP05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@incollection{DBLP:books/idea/encyclopedia2005/Guan05,
  author       = {Sheng Uei Guan},
  editor       = {Mehdi Khosrow{-}Pour},
  title        = {Agents and Payment Systems in E-Commerce},
  booktitle    = {Encyclopedia of Information Science and Technology {(5} Volumes)},
  pages        = {93--97},
  publisher    = {Idea Group},
  year         = {2005},
  url          = {http://www.igi-global.com/Bookstore/Chapter.aspx?TitleId=14217},
  timestamp    = {Sun, 09 Jul 2017 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/books/idea/encyclopedia2005/Guan05.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/acj/GuanTH04,
  author       = {Sheng Uei Guan and
                  Sin Lip Tan and
                  Feng Hua},
  title        = {A Modularized Electronic Payment System for Agent-based E-commerce},
  journal      = {J. Res. Pract. Inf. Technol.},
  volume       = {36},
  number       = {2},
  pages        = {67--87},
  year         = {2004},
  timestamp    = {Wed, 04 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/acj/GuanTH04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/apjor/Shah04,
  author       = {Nita H. Shah},
  title        = {Probabilistic Order Level System when items in inventory Deteriorate
                  and Delay in Payments is permissible},
  journal      = {Asia Pac. J. Oper. Res.},
  volume       = {21},
  number       = {3},
  pages        = {319--332},
  year         = {2004},
  url          = {https://doi.org/10.1142/S0217595904000266},
  doi          = {10.1142/S0217595904000266},
  timestamp    = {Tue, 12 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/apjor/Shah04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/clsr/Gonzalez04,
  author       = {Andr{\'{e}}s Guadamuz Gonz{\'{a}}lez},
  title        = {PayPal: the legal status of {C2C} payment systems},
  journal      = {Comput. Law Secur. Rev.},
  volume       = {20},
  number       = {4},
  pages        = {293--299},
  year         = {2004},
  url          = {https://doi.org/10.1016/S0267-3649(04)00051-2},
  doi          = {10.1016/S0267-3649(04)00051-2},
  timestamp    = {Mon, 26 Oct 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/clsr/Gonzalez04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ecra/PehaK04,
  author       = {Jon M. Peha and
                  Ildar M. Khamitov},
  title        = {PayCash: a secure efficient internet payment system},
  journal      = {Electron. Commer. Res. Appl.},
  volume       = {3},
  number       = {4},
  pages        = {381--388},
  year         = {2004},
  url          = {https://doi.org/10.1016/j.elerap.2004.06.001},
  doi          = {10.1016/J.ELERAP.2004.06.001},
  timestamp    = {Sat, 22 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ecra/PehaK04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ACMicec/ChenA04,
  author       = {Jiajun Jim Chen and
                  Carl Adams},
  editor       = {Marijn Janssen and
                  Henk G. Sol and
                  Ren{\'{e}} W. Wagenaar},
  title        = {Short-range wireless technologies with mobile payments systems},
  booktitle    = {Proceedings of the 6th International Conference on Electronic Commerce,
                  {ICEC} 2004, Delft, The Netherlands, October 25-27, 2004},
  series       = {{ACM} International Conference Proceeding Series},
  volume       = {60},
  pages        = {649--656},
  publisher    = {{ACM}},
  year         = {2004},
  url          = {https://doi.org/10.1145/1052220.1052302},
  doi          = {10.1145/1052220.1052302},
  timestamp    = {Fri, 08 Sep 2023 14:37:35 +0200},
  biburl       = {https://dblp.org/rec/conf/ACMicec/ChenA04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/amcis/See-ToJT04,
  author       = {Eric Wing Kuen See{-}To and
                  Jeevan Jaisingh and
                  Kar Yan Tam},
  title        = {Economics of Electronic Micro-Payment Systems},
  booktitle    = {10th Americas Conference on Information Systems, {AMCIS} 2004, New
                  York, NY, USA, August 6-8, 2004},
  pages        = {300},
  publisher    = {Association for Information Systems},
  year         = {2004},
  url          = {http://aisel.aisnet.org/amcis2004/300},
  timestamp    = {Sat, 07 Jan 2012 12:54:45 +0100},
  biburl       = {https://dblp.org/rec/conf/amcis/See-ToJT04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/eee/PatilS04,
  author       = {Vishwas Patil and
                  R. K. Shyamasundar},
  title        = {An Efficient, Secure and Delegable Micro-Payment System},
  booktitle    = {2004 {IEEE} International Conference on e-Technology, e-Commerce,
                  and e-Services {(EEE} 04), 29-31 March 2004, Taipei, Taiwan},
  pages        = {394--404},
  publisher    = {{IEEE} Computer Society},
  year         = {2004},
  url          = {https://doi.org/10.1109/EEE.2004.1287338},
  doi          = {10.1109/EEE.2004.1287338},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/eee/PatilS04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/egcdmas/Chaffai-SghaierG04,
  author       = {Lamia Chaffai{-}Sghaier and
                  Sihem Guemara{-}ElFatmi},
  editor       = {Mohammad S. Obaidat and
                  Noureddine Boudriga},
  title        = {Relational-based Trust Management in a Generic Payment System},
  booktitle    = {Electronic Government and Commerce: Design, Modeling, Analysis and
                  Security - Proceedings of the 1st International Workshop on Electronic
                  Government and Commerce: Design, Modeling, Analysis and Security,
                  {EGCDMAS} 2004, In conjunction with {ICETE} 2004, Set{\'{u}}bal,
                  Portugal, August 2004},
  pages        = {116--126},
  publisher    = {{INSTICC} Press},
  year         = {2004},
  timestamp    = {Wed, 15 Dec 2004 14:13:59 +0100},
  biburl       = {https://dblp.org/rec/conf/egcdmas/Chaffai-SghaierG04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iadis/ZmijewskaLS04,
  author       = {Agnieszka Zmijewska and
                  Elaine Lawrence and
                  Robert Steele},
  editor       = {Pedro T. Isa{\'{\i}}as and
                  Nitya Karmakar and
                  Lu{\'{\i}}s E. T. Rodrigues and
                  Patr{\'{\i}}cia Barbosa},
  title        = {Towards Understanding of Factors Influencing User Acceptance of Mobile
                  Payment Systems},
  booktitle    = {Proceedings of the {IADIS} International Conference WWW/Internet 2004,
                  Madrid, Spain, 2 Volumes},
  pages        = {270--277},
  publisher    = {{IADIS}},
  year         = {2004},
  timestamp    = {Wed, 01 Apr 2015 20:06:19 +0200},
  biburl       = {https://dblp.org/rec/conf/iadis/ZmijewskaLS04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ic/GhoshM04,
  author       = {Madhujit Ghosh and
                  Sam Kami Makki},
  editor       = {Hamid R. Arabnia and
                  Olaf Droegehorn and
                  S. Chatterjee},
  title        = {A Secure Framework for Electronic Payment System},
  booktitle    = {Proceedings of the International Conference on Internet Computing,
                  {IC} '04, Volume 2 {\&} Proceedings of the International Symposium
                  on Web Services {\&} Applications, {ISWS} '04, Las Vegas, Nevada,
                  USA, June 21-24, 2004},
  pages        = {605--609},
  publisher    = {{CSREA} Press},
  year         = {2004},
  timestamp    = {Thu, 07 Oct 2010 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/ic/GhoshM04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iceb/SueH04,
  author       = {Kuenliang Sue and
                  Wanpu Hsieh},
  editor       = {Jian Chen},
  title        = {Mobile Payment System with Privacy Protection},
  booktitle    = {The Fourth International Conference on Electronic Business - Shaping
                  Business Strategy in a Networked World},
  pages        = {795--800},
  publisher    = {Academic Publishers/World Publishing Corporation},
  year         = {2004},
  timestamp    = {Tue, 22 Feb 2005 15:21:39 +0100},
  biburl       = {https://dblp.org/rec/conf/iceb/SueH04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icete/PalakaDPS04,
  author       = {Despoina Palaka and
                  Petros Daras and
                  Kosmas Petridis and
                  Michael G. Strintzis},
  editor       = {Jo{\~{a}}o Ascenso and
                  Carlos Belo and
                  Luminita Vasiu and
                  M{\'{o}}nica Saramago and
                  Helder Coelhas},
  title        = {A Novel Peer-to-Peer Payment System},
  booktitle    = {{ICETE} 2004, 1st International Conference on E-Business and Telecommunication
                  Networks, Set{\'{u}}bal, Portugal, August 24-28, 2004, Proceedings},
  pages        = {245--250},
  publisher    = {{INSTICC} Press},
  year         = {2004},
  timestamp    = {Mon, 25 Oct 2004 15:24:15 +0200},
  biburl       = {https://dblp.org/rec/conf/icete/PalakaDPS04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/icws/Lee04,
  author       = {Ook Lee},
  title        = {Sound-Based Mobile Payment System},
  booktitle    = {Proceedings of the {IEEE} International Conference on Web Services
                  (ICWS'04), June 6-9, 2004, San Diego, California, {USA}},
  pages        = {820--821},
  publisher    = {{IEEE} Computer Society},
  year         = {2004},
  url          = {https://doi.org/10.1109/ICWS.2004.1314958},
  doi          = {10.1109/ICWS.2004.1314958},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/icws/Lee04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/noms/HwangAOA04,
  author       = {Junseok Hwang and
                  J{\"{o}}rn Altmann and
                  Ibrahim T. Okumus and
                  Praveen Aravamudham},
  title        = {Transaction management for sender/receiver-payment schemes in charging
                  and accounting systems for interconnected networks},
  booktitle    = {Managing Next Generation Convergence Networks and Services, {IEEE/IFIP}
                  Network Operations and Management Symposium, {NOMS} 2004, Seoul, Korea,
                  19-23 April 2004, Proceedings},
  pages        = {569--582},
  publisher    = {{IEEE}},
  year         = {2004},
  url          = {https://doi.org/10.1109/NOMS.2004.1317743},
  doi          = {10.1109/NOMS.2004.1317743},
  timestamp    = {Wed, 16 Oct 2019 14:14:54 +0200},
  biburl       = {https://dblp.org/rec/conf/noms/HwangAOA04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/wadt/GimblettRS04,
  author       = {Andy Gimblett and
                  Markus Roggenbach and
                  Bernd{-}Holger Schlingloff},
  editor       = {Jos{\'{e}} Luiz Fiadeiro and
                  Peter D. Mosses and
                  Fernando Orejas},
  title        = {Towards a Formal Specification of an Electronic Payment System in
                  {CSP-CASL}},
  booktitle    = {Recent Trends in Algebraic Development Techniques, 17th International
                  Workshop, {WADT} 2004, Barcelona, Spain, March 27-29, 2004, Revised
                  Selected Papers},
  series       = {Lecture Notes in Computer Science},
  volume       = {3423},
  pages        = {61--78},
  publisher    = {Springer},
  year         = {2004},
  url          = {https://doi.org/10.1007/978-3-540-31959-7\_4},
  doi          = {10.1007/978-3-540-31959-7\_4},
  timestamp    = {Sun, 02 Oct 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/wadt/GimblettRS04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/wecwis/LeungYF04,
  author       = {Antoinette Leung and
                  Zhuang Yan and
                  Simon Fong},
  title        = {On Designing a Flexible E-Payment System with Fraud Detection Capability},
  booktitle    = {2004 {IEEE} International Conference on E-Commerce Technology {(CEC}
                  2004), 6-9 July 2004, San Diego, CA, {USA}},
  pages        = {236--243},
  publisher    = {{IEEE} Computer Society},
  year         = {2004},
  url          = {https://doi.org/10.1109/ICECT.2004.1319739},
  doi          = {10.1109/ICECT.2004.1319739},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/wecwis/LeungYF04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/wisa/Hwang0HR04,
  author       = {SangCheol Hwang and
                  Dong Hoon Lee and
                  Daewan Han and
                  Jae{-}Cheol Ryou},
  editor       = {Chae Hoon Lim and
                  Moti Yung},
  title        = {Vulnerability of a Mobile Payment System Proposed at {WISA} 2002},
  booktitle    = {Information Security Applications, 5th International Workshop, {WISA}
                  2004, Jeju Island, Korea, August 23-25, 2004, Revised Selected Papers},
  series       = {Lecture Notes in Computer Science},
  volume       = {3325},
  pages        = {278--285},
  publisher    = {Springer},
  year         = {2004},
  url          = {https://doi.org/10.1007/978-3-540-31815-6\_23},
  doi          = {10.1007/978-3-540-31815-6\_23},
  timestamp    = {Fri, 17 Apr 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/wisa/Hwang0HR04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/wise/DaiG04,
  author       = {Xiaoling Dai and
                  John C. Grundy},
  editor       = {Xiaofang Zhou and
                  Stanley Y. W. Su and
                  Mike P. Papazoglou and
                  Maria E. Orlowska and
                  Keith G. Jeffery},
  title        = {Three Kinds of E-wallets for a NetPay Micro-Payment System},
  booktitle    = {Web Information Systems - {WISE} 2004, 5th International Conference
                  on Web Information Systems Engineering, Brisbane, Australia, November
                  22-24, 2004, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {3306},
  pages        = {66--77},
  publisher    = {Springer},
  year         = {2004},
  url          = {https://doi.org/10.1007/978-3-540-30480-7\_9},
  doi          = {10.1007/978-3-540-30480-7\_9},
  timestamp    = {Sat, 08 Feb 2020 13:00:42 +0100},
  biburl       = {https://dblp.org/rec/conf/wise/DaiG04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/wmc/GruhnSS04,
  author       = {Volker Gruhn and
                  Lothar Sch{\"{o}}pe and
                  Alexander Schmitz},
  editor       = {Key Pousttchi and
                  Klaus Turowski},
  title        = {eBill Presentment and Payment-System Com42Bill},
  booktitle    = {Mobile Economy - Transaktionen, Prozesse, Anwendungen und Dienste,
                  Proceedings zum 4. Workshop Mobile Commerce, Universit{\"{a}}t
                  Augsburg, 2.-3. Februar 2004},
  series       = {{LNI}},
  volume       = {{P-42}},
  pages        = {147--161},
  publisher    = {{GI}},
  year         = {2004},
  url          = {https://dl.gi.de/handle/20.500.12116/29340},
  timestamp    = {Tue, 04 Jul 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/wmc/GruhnSS04.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/cacm/ChauP03,
  author       = {Patrick Y. K. Chau and
                  Simpson Poon},
  title        = {Octopus: an e-cash payment system success story},
  journal      = {Commun. {ACM}},
  volume       = {46},
  number       = {9},
  pages        = {129--133},
  year         = {2003},
  url          = {https://doi.org/10.1145/903893.903927},
  doi          = {10.1145/903893.903927},
  timestamp    = {Tue, 06 Nov 2018 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/cacm/ChauP03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijsysc/LiaoC03,
  author       = {Hung{-}Chang Liao and
                  Y.{-}K. Chen},
  title        = {Optimal payment time for retailer's inventory system},
  journal      = {Int. J. Syst. Sci.},
  volume       = {34},
  number       = {4},
  pages        = {245--253},
  year         = {2003},
  url          = {https://doi.org/10.1080/0020772031000158546},
  doi          = {10.1080/0020772031000158546},
  timestamp    = {Mon, 13 Nov 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijsysc/LiaoC03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/joeuc/DaiG03,
  author       = {Xiaoling Dai and
                  John C. Grundy},
  title        = {Customer Perceptions of a Thin-Client Micro-Payment System: Issues
                  and Experiences},
  journal      = {J. Organ. End User Comput.},
  volume       = {15},
  number       = {4},
  pages        = {62--77},
  year         = {2003},
  url          = {https://doi.org/10.4018/joeuc.2003100104},
  doi          = {10.4018/JOEUC.2003100104},
  timestamp    = {Thu, 09 Jul 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/joeuc/DaiG03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ACMicec/PehaK03,
  author       = {Jon M. Peha and
                  Ildar M. Khamitov},
  editor       = {Norman M. Sadeh and
                  Mary Jo Dively and
                  Robert J. Kauffman and
                  Yannis Labrou and
                  Onn Shehory and
                  Rahul Telang and
                  Lorrie Faith Cranor},
  title        = {PayCash: a secure efficient Internet payment system},
  booktitle    = {Proceedings of the 5th International Conference on Electronic Commerce,
                  {ICEC} 2003, Pittsburgh, Pennsylvania, USA, September 30 - October
                  03, 2003},
  series       = {{ACM} International Conference Proceeding Series},
  volume       = {50},
  pages        = {125--130},
  publisher    = {{ACM}},
  year         = {2003},
  url          = {https://doi.org/10.1145/948005.948022},
  doi          = {10.1145/948005.948022},
  timestamp    = {Tue, 06 Apr 2021 12:12:56 +0200},
  biburl       = {https://dblp.org/rec/conf/ACMicec/PehaK03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/apweb/DaiG03,
  author       = {Xiaoling Dai and
                  John C. Grundy},
  editor       = {Xiaofang Zhou and
                  Yanchun Zhang and
                  Maria E. Orlowska},
  title        = {Architecture for a Component-Based, Plug-In Micro-payment System},
  booktitle    = {Web Technologies and Applications, 5th Asian-Pacific Web Conference,
                  APWeb 2003, Xian, China, April 23-25, 2002, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {2642},
  pages        = {251--262},
  publisher    = {Springer},
  year         = {2003},
  url          = {https://doi.org/10.1007/3-540-36901-5\_26},
  doi          = {10.1007/3-540-36901-5\_26},
  timestamp    = {Tue, 03 Dec 2019 08:19:31 +0100},
  biburl       = {https://dblp.org/rec/conf/apweb/DaiG03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/eurocast/AbaldeGFSG03,
  author       = {Carlos Abalde and
                  V{\'{\i}}ctor M. Gul{\'{\i}}as and
                  Jos{\'{e}} Luis Freire and
                  Juan J. S{\'{a}}nchez and
                  J. Garc{\'{\i}}a{-}Tiz{\'{o}}n},
  editor       = {Roberto Moreno{-}D{\'{\i}}az and
                  Franz Pichler},
  title        = {Development of a Scalable, Fault Tolerant, and Low Cost Cluster-Based
                  e-Payment System with a Distributed Functional Kernel},
  booktitle    = {Computer Aided Systems Theory - {EUROCAST} 2003, 9th International
                  Workshop on Computer Aided Systems Theory, Las Palmas de Gran Canaria,
                  Spain, February 24-28, 2003, Revised Selected Papers},
  series       = {Lecture Notes in Computer Science},
  volume       = {2809},
  pages        = {220--230},
  publisher    = {Springer},
  year         = {2003},
  url          = {https://doi.org/10.1007/978-3-540-45210-2\_21},
  doi          = {10.1007/978-3-540-45210-2\_21},
  timestamp    = {Tue, 14 May 2019 10:00:54 +0200},
  biburl       = {https://dblp.org/rec/conf/eurocast/AbaldeGFSG03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/forte/KempsterS03,
  author       = {Tim Kempster and
                  Colin Stirling},
  editor       = {Hartmut K{\"{o}}nig and
                  Monika Heiner and
                  Adam Wolisz},
  title        = {Modeling and Model Checking Mobile Phone Payment Systems},
  booktitle    = {Formal Techniques for Networked and Distributed Systems - {FORTE}
                  2003, 23rd {IFIP} {WG} 6.1 International Conference, Berlin, Germany,
                  September 29 - October 2, 2003, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {2767},
  pages        = {95--110},
  publisher    = {Springer},
  year         = {2003},
  url          = {https://doi.org/10.1007/978-3-540-39979-7\_7},
  doi          = {10.1007/978-3-540-39979-7\_7},
  timestamp    = {Tue, 14 May 2019 10:00:50 +0200},
  biburl       = {https://dblp.org/rec/conf/forte/KempsterS03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/hicss/AyadV03,
  author       = {Nadia Ayad and
                  Alexander Verbraeck},
  title        = {System Architecture for Cross Border Payment {A} Case Study for the
                  Financial Services Industry},
  booktitle    = {36th Hawaii International Conference on System Sciences {(HICSS-36}
                  2003), {CD-ROM} / Abstracts Proceedings, January 6-9, 2003, Big Island,
                  HI, {USA}},
  pages        = {197},
  publisher    = {{IEEE} Computer Society},
  year         = {2003},
  url          = {https://doi.org/10.1109/HICSS.2003.1174450},
  doi          = {10.1109/HICSS.2003.1174450},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/hicss/AyadV03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/human/BaekH03,
  author       = {Jang{-}Mi Baek and
                  In{-}Sik Hong},
  editor       = {Chin{-}Wan Chung and
                  Chong{-}kwon Kim and
                  Won Kim and
                  Tok Wang Ling and
                  Kwan Ho Song},
  title        = {A Study on Mobile Payment System with United Mileage Using {USIM}},
  booktitle    = {Web Communication Technologies and Internet-Related Social Issues
                  - {HSI} 2003, Second International Conference on Human Society@Internet,
                  Seoul, Korea, June 18-20, 2003, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {2713},
  pages        = {394--403},
  publisher    = {Springer},
  year         = {2003},
  url          = {https://doi.org/10.1007/3-540-45036-X\_40},
  doi          = {10.1007/3-540-45036-X\_40},
  timestamp    = {Tue, 14 May 2019 10:00:39 +0200},
  biburl       = {https://dblp.org/rec/conf/human/BaekH03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iadis/LancM03,
  author       = {David Lanc and
                  Lachlan M. MacKinnon},
  title        = {Application of a Holistic Information Systems Strategy for Organisational
                  Management (Hissom), to an E-Commerce Card Payment Processor},
  booktitle    = {Proceedings of the {IADIS} International Conference WWW/Internet 2003,
                  {ICWI} 2003, Algarve, Portugal, November 5-8, 2003},
  pages        = {11--20},
  publisher    = {{IADIS}},
  year         = {2003},
  timestamp    = {Thu, 18 Mar 2004 15:27:46 +0100},
  biburl       = {https://dblp.org/rec/conf/iadis/LancM03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ic/Dinter03,
  author       = {Jochen Dinter},
  editor       = {Hamid R. Arabnia and
                  Youngsong Mun},
  title        = {Permanent Document-Linking, Information Retrieval, Content Ranking
                  and Payment in a Wide-Area Distributed File System},
  booktitle    = {Proceedings of the International Conference on Internet Computing,
                  {IC} '03, Las Vegas, Nevada, USA, June 23-26, 2003, Volume 1},
  pages        = {225--231},
  publisher    = {{CSREA} Press},
  year         = {2003},
  timestamp    = {Thu, 09 Oct 2003 14:14:47 +0200},
  biburl       = {https://dblp.org/rec/conf/ic/Dinter03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iceis/SerraoFM03,
  author       = {Carlos Serr{\~{a}}o and
                  Pedro Fonseca and
                  Joaquim Marques},
  title        = {E-Commerce Payment Systems - An Overview},
  booktitle    = {{ICEIS} 2003, Proceedings of the 5th International Conference on Enterprise
                  Information Systems, Angers, France, April 22-26, 2003},
  pages        = {486--493},
  year         = {2003},
  timestamp    = {Thu, 02 Feb 2017 12:57:29 +0100},
  biburl       = {https://dblp.org/rec/conf/iceis/SerraoFM03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/iscc/LeePKK03,
  author       = {Il{-}Woo Lee and
                  Ho{-}Jin Park and
                  Dae{-}Ung Kim and
                  Sang{-}Ha Kim},
  title        = {A Study on {B2C} Based Electronic Commerce Payment System using the
                  Telephone Number},
  booktitle    = {Proceedings of the Eighth {IEEE} Symposium on Computers and Communications
                  {(ISCC} 2003), 30 June - 3 July 2003, Kiris-Kemer, Turkey},
  pages        = {620--624},
  publisher    = {{IEEE} Computer Society},
  year         = {2003},
  url          = {https://doi.org/10.1109/ISCC.2003.1214187},
  doi          = {10.1109/ISCC.2003.1214187},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/iscc/LeePKK03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/itcc/LeeJKK03,
  author       = {Il{-}Woo Lee and
                  Dong{-}Man Jang and
                  Dae{-}Ung Kim and
                  Sang{-}Ha Kim},
  title        = {Implementation of {EC} Payment System using the Telephone Number},
  booktitle    = {2003 International Symposium on Information Technology {(ITCC} 2003),
                  28-30 April 2003, Las Vegas, NV, {USA}},
  pages        = {304},
  publisher    = {{IEEE} Computer Society},
  year         = {2003},
  url          = {https://doi.org/10.1109/ITCC.2003.1197545},
  doi          = {10.1109/ITCC.2003.1197545},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/itcc/LeeJKK03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/wecwis/ZhengC03,
  author       = {Xiaolin Zheng and
                  Deren Chen},
  title        = {Study of Mobile Payments System},
  booktitle    = {2003 {IEEE} International Conference on Electronic Commerce {(CEC}
                  2003), 24-27 June 2003, Newport Beach, CA, {USA}},
  pages        = {24},
  publisher    = {{IEEE} Computer Society},
  year         = {2003},
  url          = {https://doi.org/10.1109/COEC.2003.1210227},
  doi          = {10.1109/COEC.2003.1210227},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/wecwis/ZhengC03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@incollection{DBLP:books/idea/taniar2003/ChateauLRT03,
  author       = {Tanguy Chateau and
                  Cecile Leroy and
                  J. Wenny Rahayu and
                  David Taniar},
  editor       = {David Taniar and
                  J. Wenny Rahayu},
  title        = {Practical Case Study of a Web-based Tutor Payment System},
  booktitle    = {Web-Powered Databases},
  pages        = {88--120},
  publisher    = {Idea Group},
  year         = {2003},
  timestamp    = {Tue, 06 Aug 2019 10:03:14 +0200},
  biburl       = {https://dblp.org/rec/books/idea/taniar2003/ChateauLRT03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@incollection{DBLP:conf/drm/SadeghiS03,
  author       = {Ahmad{-}Reza Sadeghi and
                  Markus Schneider},
  editor       = {Eberhard Becker and
                  Willms Buhse and
                  Dirk G{\"{u}}nnewig and
                  Niels Rump},
  title        = {Electronic Payment Systems},
  booktitle    = {Digital Rights Management - Technological, Economic, Legal and Political
                  Aspects},
  series       = {Lecture Notes in Computer Science},
  volume       = {2770},
  pages        = {113--137},
  publisher    = {Springer},
  year         = {2003},
  url          = {https://doi.org/10.1007/10941270\_9},
  doi          = {10.1007/10941270\_9},
  timestamp    = {Tue, 14 May 2019 10:00:52 +0200},
  biburl       = {https://dblp.org/rec/conf/drm/SadeghiS03.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ecr/WangCL02,
  author       = {Ching{-}Te Wang and
                  Chin{-}Chen Chang and
                  Chu{-}Hsing Lin},
  title        = {A New Micro-Payment System Using General Payword Chain},
  journal      = {Electron. Commer. Res.},
  volume       = {2},
  number       = {1-2},
  pages        = {159--168},
  year         = {2002},
  url          = {https://doi.org/10.1023/A:1013360606669},
  doi          = {10.1023/A:1013360606669},
  timestamp    = {Fri, 13 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ecr/WangCL02.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jodl/BoDW02,
  author       = {Bo Yang and
                  Liu Dongsu and
                  Yumin Wang},
  title        = {An anonymity-revoking e-payment system with a smart card},
  journal      = {Int. J. Digit. Libr.},
  volume       = {3},
  number       = {4},
  pages        = {291--296},
  year         = {2002},
  url          = {https://doi.org/10.1007/s007990100047},
  doi          = {10.1007/S007990100047},
  timestamp    = {Fri, 11 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jodl/BoDW02.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/bled/Heijden02,
  author       = {Hans van der Heijden},
  title        = {Factors Affecting the Successful Introduction of Mobile Payment Systems},
  booktitle    = {15th Bled eConference: eReality: Constructing the eEconomy, Bled,
                  Slovenia, June 17-19, 2002},
  pages        = {20},
  year         = {2002},
  url          = {http://aisel.aisnet.org/bled2002/20},
  timestamp    = {Mon, 09 Jul 2018 07:55:26 +0200},
  biburl       = {https://dblp.org/rec/conf/bled/Heijden02.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ic/DaiG02,
  author       = {Xiaoling Dai and
                  John C. Grundy},
  editor       = {Hamid R. Arabnia and
                  Youngsong Mun},
  title        = {Architecure of a Micro- payment System for Thin- Client Web Applications},
  booktitle    = {Proceedings of the International Conference on Internet Computing,
                  {IC} 2002, Las Vegas, Nevada, USA, June 24-27, 2002},
  pages        = {444--450},
  publisher    = {{CSREA} Press},
  year         = {2002},
  timestamp    = {Fri, 03 Feb 2017 14:05:09 +0100},
  biburl       = {https://dblp.org/rec/conf/ic/DaiG02.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ifip8/HalonenV02,
  author       = {Teppo Halonen and
                  Teemupekka Virtanen},
  editor       = {Roland Traunm{\"{u}}ller},
  title        = {A System For Secure Mobile Payment Transactions},
  booktitle    = {Information Systems: The e-Business Challenge, {IFIP} 17\({}^{\mbox{th}}\)
                  World Computer Congress - {TC8} Stream on Information Systems: The
                  e-Business Challenge, August 25-30, 2002, Montr{\'{e}}al, Qu{\'{e}}bec,
                  Canada},
  series       = {{IFIP} Conference Proceedings},
  volume       = {222},
  pages        = {157--170},
  publisher    = {Kluwer},
  year         = {2002},
  timestamp    = {Fri, 06 Sep 2002 09:48:17 +0200},
  biburl       = {https://dblp.org/rec/conf/ifip8/HalonenV02.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/tc11-5/Kraus02,
  author       = {Detlef Kraus},
  editor       = {Michael Gertz},
  title        = {Integrity Mechanisms in German and International Payment Systems},
  booktitle    = {Integrity and Internal Control in Information Systems V, {IFIP} {TC11/WG11.5}
                  Fifth Working Conference on Integrity and Internal Control in Information
                  Systems (IICIS), November 11-12, 2002, Bonn, Germany},
  series       = {{IFIP} Conference Proceedings},
  volume       = {251},
  pages        = {175--187},
  publisher    = {Kluwer},
  year         = {2002},
  timestamp    = {Mon, 07 Dec 2020 17:16:29 +0100},
  biburl       = {https://dblp.org/rec/conf/tc11-5/Kraus02.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@incollection{DBLP:reference/ap/Winn02,
  author       = {Jane K. Winn},
  editor       = {Hossein Bidgoli},
  title        = {Electronic Payment Systems},
  booktitle    = {Encyclopedia of Information Systems},
  pages        = {71--86},
  publisher    = {Academic Press},
  year         = {2002},
  url          = {https://doi.org/10.1016/b0-12-227240-4/00053-8},
  doi          = {10.1016/B0-12-227240-4/00053-8},
  timestamp    = {Fri, 17 Apr 2020 18:29:40 +0200},
  biburl       = {https://dblp.org/rec/reference/ap/Winn02.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/cais/FarhoomandM01,
  author       = {Ali Farhoomand and
                  Marissa McCauley},
  title        = {{TRADECARD:} Building {A} Global Trading Electronic Payment System},
  journal      = {Commun. Assoc. Inf. Syst.},
  volume       = {7},
  pages        = {18},
  year         = {2001},
  url          = {https://doi.org/10.17705/1cais.00718},
  doi          = {10.17705/1CAIS.00718},
  timestamp    = {Fri, 10 Jun 2022 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/cais/FarhoomandM01.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/electronicmarkets/PoonC01,
  author       = {Simpson Poon and
                  Patrick Y. K. Chau},
  title        = {Octopus: The Growing E-payment System in Hong Kong},
  journal      = {Electron. Mark.},
  volume       = {11},
  number       = {2},
  pages        = {97--106},
  year         = {2001},
  url          = {https://doi.org/10.1080/101967801300197016},
  doi          = {10.1080/101967801300197016},
  timestamp    = {Fri, 13 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/electronicmarkets/PoonC01.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/isr/PlouffeHV01,
  author       = {Christopher R. Plouffe and
                  John S. Hulland and
                  Mark B. Vandenbosch},
  title        = {Research Report: Richness Versus Parsimony in Modeling Technology
                  Adoption Decisions - Understanding Merchant Adoption of a Smart Card-Based
                  Payment System},
  journal      = {Inf. Syst. Res.},
  volume       = {12},
  number       = {2},
  pages        = {208--222},
  year         = {2001},
  url          = {https://doi.org/10.1287/isre.12.2.208.9697},
  doi          = {10.1287/ISRE.12.2.208.9697},
  timestamp    = {Mon, 29 Nov 2021 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/isr/PlouffeHV01.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jet/TemzelidesW01,
  author       = {Ted Temzelides and
                  Stephen D. Williamson},
  title        = {Payments Systems Design in Deterministic and Private Information Environments},
  journal      = {J. Econ. Theory},
  volume       = {99},
  number       = {1-2},
  pages        = {297--326},
  year         = {2001},
  url          = {https://doi.org/10.1006/jeth.2000.2769},
  doi          = {10.1006/JETH.2000.2769},
  timestamp    = {Mon, 24 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/jet/TemzelidesW01.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/bled/Ally01,
  author       = {Mustafa Ally},
  title        = {The Integration of {SET} in Australian Based Internet Payment System
                  Products: {A} System Developer, s Perspective},
  booktitle    = {14th Bled eConference: e-Everything: e-Commerce, e-Government, e-Household,
                  e-Democracy, Bled, Slovenia, June 25-26, 2001},
  pages        = {41},
  year         = {2001},
  url          = {http://aisel.aisnet.org/bled2001/41},
  timestamp    = {Mon, 09 Jul 2018 07:55:15 +0200},
  biburl       = {https://dblp.org/rec/conf/bled/Ally01.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ecweb/Abrazhevich01,
  author       = {Dennis Abrazhevich},
  editor       = {Kurt Bauknecht and
                  Sanjay Kumar Madria and
                  G{\"{u}}nther Pernul},
  title        = {Classification and Characteristics of Electronic Payment Systems},
  booktitle    = {Electronic Commerce and Web Technologies, Second International Conference,
                  EC-Web 2001 Munich, Germany, September 4-6, 2001, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {2115},
  pages        = {81--90},
  publisher    = {Springer},
  year         = {2001},
  url          = {https://doi.org/10.1007/3-540-44700-8\_8},
  doi          = {10.1007/3-540-44700-8\_8},
  timestamp    = {Tue, 14 May 2019 10:00:53 +0200},
  biburl       = {https://dblp.org/rec/conf/ecweb/Abrazhevich01.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ecweb/DaniK01,
  author       = {Ajay R. Dani and
                  P. Radha Krishna},
  editor       = {Kurt Bauknecht and
                  Sanjay Kumar Madria and
                  G{\"{u}}nther Pernul},
  title        = {An E-check Framework for Electronic Payment Systems in the Web Based
                  Environment},
  booktitle    = {Electronic Commerce and Web Technologies, Second International Conference,
                  EC-Web 2001 Munich, Germany, September 4-6, 2001, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {2115},
  pages        = {91--100},
  publisher    = {Springer},
  year         = {2001},
  url          = {https://doi.org/10.1007/3-540-44700-8\_9},
  doi          = {10.1007/3-540-44700-8\_9},
  timestamp    = {Wed, 26 May 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/ecweb/DaniK01.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/esmart/YamamotoKMY01,
  author       = {Hideo Yamamoto and
                  Tetsutaro Kobayashi and
                  Masahiro Morita and
                  Ryuji Yamada},
  editor       = {Isabelle Attali and
                  Thomas P. Jensen},
  title        = {Public-Key-Based High-Speed Payment (Electronic Money) System Using
                  Contact-Less Smart Cards},
  booktitle    = {Smart Card Programming and Security, International Conference on Research
                  in Smart Cards, E-smart 2001, Cannes, France, September 19-21, 2001,
                  Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {2140},
  pages        = {242--254},
  publisher    = {Springer},
  year         = {2001},
  url          = {https://doi.org/10.1007/3-540-45418-7\_21},
  doi          = {10.1007/3-540-45418-7\_21},
  timestamp    = {Tue, 14 May 2019 10:00:49 +0200},
  biburl       = {https://dblp.org/rec/conf/esmart/YamamotoKMY01.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/fc/Shamir01,
  author       = {Adi Shamir},
  editor       = {Paul F. Syverson},
  title        = {SecureClick: {A} Web Payment System with Disposable Credit Card Numbers},
  booktitle    = {Financial Cryptography, 5th International Conference, {FC} 2001, Grand
                  Cayman, British West Indies, February 19-22, 2002, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {2339},
  pages        = {223--233},
  publisher    = {Springer},
  year         = {2001},
  url          = {https://doi.org/10.1007/3-540-46088-8\_20},
  doi          = {10.1007/3-540-46088-8\_20},
  timestamp    = {Tue, 14 May 2019 10:00:38 +0200},
  biburl       = {https://dblp.org/rec/conf/fc/Shamir01.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ifip6-8/KarvonenP01,
  author       = {Jari T. Karvonen and
                  Petri Pulli},
  editor       = {Olli Martikainen and
                  Jari Porras and
                  Jenni Hyv{\"{a}}rinen},
  title        = {Wireless Micro-payment System in Networks},
  booktitle    = {Emerging Personal Wireless Communications, {IFIP} {TC6/WG6.8} Working
                  Conference on Emerging Personal Wireless Communications (PWC'2001),
                  August 8-10, 2001, Lappeenranta, Finland},
  series       = {{IFIP} Conference Proceedings},
  volume       = {195},
  pages        = {285--298},
  publisher    = {Kluwer},
  year         = {2001},
  url          = {https://doi.org/10.1007/0-306-47001-2\_20},
  doi          = {10.1007/0-306-47001-2\_20},
  timestamp    = {Fri, 19 May 2017 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/ifip6-8/KarvonenP01.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/prdc/LeeKK01,
  author       = {Byung{-}Rae Lee and
                  Tai{-}Yun Kim and
                  Sang{-}Seung Kang},
  title        = {Ticket Based Authentication and Payment Protocol for Mobile Telecommunications
                  Systems},
  booktitle    = {8th Pacific Rim International Symposium on Dependable Computing {(PRDC}
                  2001), 17-19 December 2001, Seoul, Korea},
  pages        = {218--224},
  publisher    = {{IEEE} Computer Society},
  year         = {2001},
  url          = {https://doi.org/10.1109/PRDC.2001.992701},
  doi          = {10.1109/PRDC.2001.992701},
  timestamp    = {Thu, 23 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/prdc/LeeKK01.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/tc11-5/Ward01,
  author       = {Mike Ward},
  editor       = {Michael Gertz and
                  Erik Guldentops and
                  Leon Strous},
  title        = {Security in electronic payment systems {EMV} and CEPs},
  booktitle    = {Integrity, Internal Control and Security in Information Systems: Connecting
                  Governance and Technology, {IFIP} {TC11/WG11.5} Fourth Working Conference
                  on Integrity, Internal Control and Security in Information Systems,
                  November 15-16, 2001, Brussels, Belgium},
  series       = {{IFIP} Conference Proceedings},
  volume       = {211},
  pages        = {103--112},
  publisher    = {Kluwer},
  year         = {2001},
  timestamp    = {Mon, 07 Dec 2020 17:16:29 +0100},
  biburl       = {https://dblp.org/rec/conf/tc11-5/Ward01.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ac/AsokanJSW00,
  author       = {N. Asokan and
                  Philippe A. Janson and
                  Michael Steiner and
                  Michael Waidner},
  title        = {State of the art in electronic payment systems},
  journal      = {Adv. Comput.},
  volume       = {53},
  pages        = {425--449},
  year         = {2000},
  url          = {https://doi.org/10.1016/S0065-2458(00)80009-1},
  doi          = {10.1016/S0065-2458(00)80009-1},
  timestamp    = {Sat, 23 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/ac/AsokanJSW00.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/ijinfoman/Khiaonarong00,
  author       = {Tanai Khiaonarong},
  title        = {Electronic payment systems development in Thailand},
  journal      = {Int. J. Inf. Manag.},
  volume       = {20},
  number       = {1},
  pages        = {59--72},
  year         = {2000},
  url          = {https://doi.org/10.1016/S0268-4012(99)00053-5},
  doi          = {10.1016/S0268-4012(99)00053-5},
  timestamp    = {Fri, 21 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/ijinfoman/Khiaonarong00.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jcs/HornP00,
  author       = {G{\"{u}}nther Horn and
                  Bart Preneel},
  title        = {Authentication and Payment in Future Mobile Systems},
  journal      = {J. Comput. Secur.},
  volume       = {8},
  number       = {2/3},
  pages        = {183--207},
  year         = {2000},
  url          = {https://doi.org/10.3233/jcs-2000-82-306},
  doi          = {10.3233/JCS-2000-82-306},
  timestamp    = {Mon, 28 Aug 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jcs/HornP00.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jocec/TurbanB00,
  author       = {Efraim Turban and
                  Joseph Brahm},
  title        = {Smart Card-Based Electronic Card Payment Systems in the Transportation
                  Industry},
  journal      = {J. Organ. Comput. Electron. Commer.},
  volume       = {10},
  number       = {4},
  pages        = {281--293},
  year         = {2000},
  url          = {https://doi.org/10.1207/S15327744JOCE1004\_06},
  doi          = {10.1207/S15327744JOCE1004\_06},
  timestamp    = {Thu, 10 Sep 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jocec/TurbanB00.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jolis/RumseyS00,
  author       = {Sally Rumsey and
                  Anne Spoiden},
  title        = {Evaluation of Tolimac: a secure library management system for controlling
                  access to, and payment for, electronic information services},
  journal      = {J. Libr. Inf. Sci.},
  volume       = {32},
  number       = {2},
  pages        = {64--71},
  year         = {2000},
  url          = {https://doi.org/10.1177/096100060003200203},
  doi          = {10.1177/096100060003200203},
  timestamp    = {Mon, 25 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jolis/RumseyS00.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jsac/BellareGHHKSTHW00,
  author       = {Mihir Bellare and
                  Juan A. Garay and
                  Ralf C. Hauser and
                  Amir Herzberg and
                  Hugo Krawczyk and
                  Michael Steiner and
                  Gene Tsudik and
                  Els Van Herreweghen and
                  Michael Waidner},
  title        = {Design, implementation, and deployment of the iKP secure electronic
                  payment system},
  journal      = {{IEEE} J. Sel. Areas Commun.},
  volume       = {18},
  number       = {4},
  pages        = {611--627},
  year         = {2000},
  url          = {https://doi.org/10.1109/49.839936},
  doi          = {10.1109/49.839936},
  timestamp    = {Sat, 23 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jsac/BellareGHHKSTHW00.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/www/UrecheP00,
  author       = {Octavian Ureche and
                  R{\'{e}}jean Plamondon},
  title        = {Digital payment systems for Internet commerce: The state of the art},
  journal      = {World Wide Web},
  volume       = {3},
  number       = {1},
  pages        = {1--11},
  year         = {2000},
  url          = {https://doi.org/10.1023/A:1019217210183},
  doi          = {10.1023/A:1019217210183},
  timestamp    = {Sat, 20 May 2017 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/www/UrecheP00.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ecis/ReichenbachGKP00,
  author       = {Martin Reichenbach and
                  Torsten Grzebieta and
                  Torsten K{\"{o}}ltzsch and
                  Ingo Pippow},
  editor       = {Hans Robert Hansen and
                  Martin Bichler and
                  Harald Mahrer},
  title        = {Individual Risk Management for Digital Payment Systems},
  booktitle    = {Proceedings of the 8th European Conference on Information Systems,
                  Trends in Information and Communication Systems for the 21st Century,
                  {ECIS} 2000, Vienna, Austria, July 3-5, 2000},
  pages        = {875--882},
  year         = {2000},
  url          = {http://aisel.aisnet.org/ecis2000/20},
  timestamp    = {Mon, 05 Dec 2016 15:14:00 +0100},
  biburl       = {https://dblp.org/rec/conf/ecis/ReichenbachGKP00.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ecweb/WibowoLT00,
  author       = {Arrianto Mukti Wibowo and
                  Kwok{-}Yan Lam and
                  Gary S. H. Tan},
  editor       = {Kurt Bauknecht and
                  Sanjay Kumar Madria and
                  G{\"{u}}nther Pernul},
  title        = {Loyalty Program Scheme for Anonymous Payment System},
  booktitle    = {Electronic Commerce and Web Technologies, First International Conference,
                  EC-Web 2000, London, UK, September 4-6, 2000, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {1875},
  pages        = {253--265},
  publisher    = {Springer},
  year         = {2000},
  url          = {https://doi.org/10.1007/3-540-44463-7\_22},
  doi          = {10.1007/3-540-44463-7\_22},
  timestamp    = {Tue, 14 May 2019 10:00:53 +0200},
  biburl       = {https://dblp.org/rec/conf/ecweb/WibowoLT00.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/fc/Yung00,
  author       = {Moti Yung},
  editor       = {Yair Frankel},
  title        = {Payment Systems: The Next Generation},
  booktitle    = {Financial Cryptography, 4th International Conference, {FC} 2000 Anguilla,
                  British West Indies, February 20-24, 2000, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {1962},
  pages        = {136--139},
  publisher    = {Springer},
  year         = {2000},
  url          = {https://doi.org/10.1007/3-540-45472-1\_10},
  doi          = {10.1007/3-540-45472-1\_10},
  timestamp    = {Tue, 14 May 2019 10:00:38 +0200},
  biburl       = {https://dblp.org/rec/conf/fc/Yung00.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/hicss/ToppenSR00,
  author       = {Roland Toppen and
                  Martin Smits and
                  Pieter M. A. Ribbers},
  title        = {Effects of Two New Inter-Organizational Systems to Settle Cross Border
                  Euro Payments between Financial Institutions in Europe},
  booktitle    = {33rd Annual Hawaii International Conference on System Sciences (HICSS-33),
                  4-7 January, 2000, Maui, Hawaii, {USA}},
  publisher    = {{IEEE} Computer Society},
  year         = {2000},
  url          = {https://doi.org/10.1109/HICSS.2000.926911},
  doi          = {10.1109/HICSS.2000.926911},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/hicss/ToppenSR00.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/indocrypt/AnandM00,
  author       = {R. Sai Anand and
                  C. E. Veni Madhavan},
  editor       = {Bimal K. Roy and
                  Eiji Okamoto},
  title        = {An Online, Transferable E-Cash Payment System},
  booktitle    = {Progress in Cryptology - {INDOCRYPT} 2000, First International Conference
                  in Cryptology in India, Calcutta, India, December 10-13, 2000, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {1977},
  pages        = {93--103},
  publisher    = {Springer},
  year         = {2000},
  url          = {https://doi.org/10.1007/3-540-44495-5\_9},
  doi          = {10.1007/3-540-44495-5\_9},
  timestamp    = {Tue, 14 May 2019 10:00:51 +0200},
  biburl       = {https://dblp.org/rec/conf/indocrypt/AnandM00.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/sec/BaoDZ00,
  author       = {Feng Bao and
                  Robert H. Deng and
                  Jianying Zhou},
  editor       = {Sihan Qing and
                  Jan H. P. Eloff},
  title        = {Electronic Payment Systems with Fair On-line Verification},
  booktitle    = {Information Security for Global Information Infrastructures, {IFIP}
                  {TC11} Fifteenth Annual Working Conference on Information Security,
                  August 22-24, 2000, Beijing, China},
  series       = {{IFIP} Conference Proceedings},
  volume       = {175},
  pages        = {451--460},
  publisher    = {Kluwer},
  year         = {2000},
  timestamp    = {Mon, 06 Nov 2017 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/sec/BaoDZ00.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/istr/Ward99,
  author       = {Mike Ward},
  title        = {{EMV} - The {ICC} specifications for payment systems},
  journal      = {Inf. Secur. Tech. Rep.},
  volume       = {4},
  number       = {2},
  pages        = {51--57},
  year         = {1999},
  url          = {https://doi.org/10.1016/S0167-4048(99)80014-4},
  doi          = {10.1016/S0167-4048(99)80014-4},
  timestamp    = {Mon, 18 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/istr/Ward99.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/dexaw/MavridisPKM99,
  author       = {Ioannis Mavridis and
                  George Pangalos and
                  Triadafyllos Koukouvinos and
                  Sead Muftic},
  title        = {A Secure Payment System for Electronic Commerce},
  booktitle    = {10th International Workshop on Database {\&} Expert Systems Applications,
                  Florence, Italy, September 1-3, 1999, Proceedings},
  pages        = {832--836},
  publisher    = {{IEEE} Computer Society},
  year         = {1999},
  url          = {https://doi.org/10.1109/DEXA.1999.795290},
  doi          = {10.1109/DEXA.1999.795290},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/dexaw/MavridisPKM99.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/hicss/HungK99,
  author       = {Patrick C. K. Hung and
                  Kamalakar Karlapalem},
  title        = {Security and Privacy Aspects fo Smartflow Internet Payment System},
  booktitle    = {32nd Annual Hawaii International Conference on System Sciences (HICSS-32),
                  January 5-8, 1999, Maui, Hawaii, {USA}},
  publisher    = {{IEEE} Computer Society},
  year         = {1999},
  url          = {https://doi.org/10.1109/HICSS.1999.773051},
  doi          = {10.1109/HICSS.1999.773051},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/hicss/HungK99.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@phdthesis{DBLP:phd/dnb/Camenisch98,
  author       = {Jan Camenisch},
  title        = {Group signature schemes and payment systems based on the discrete
                  logarithm problem},
  school       = {{ETH} Zurich, Z{\"{u}}rich, Switzerland},
  year         = {1998},
  url          = {https://d-nb.info/953066045},
  isbn         = {978-3-89649-286-9},
  timestamp    = {Sat, 17 Jul 2021 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/phd/dnb/Camenisch98.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/informaticaSI/Stoklosa98,
  author       = {Janusz Stoklosa},
  title        = {Cryptography and Electronic Payment Systems},
  journal      = {Informatica (Slovenia)},
  volume       = {22},
  number       = {1},
  year         = {1998},
  timestamp    = {Mon, 15 Feb 2016 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/informaticaSI/Stoklosa98.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/intr/ShonS98,
  author       = {Tae{-}Hwan Shon and
                  Paula M. C. Swatman},
  title        = {Identifying effectiveness criteria for Internet payment systems},
  journal      = {Internet Res.},
  volume       = {8},
  number       = {3},
  pages        = {202--218},
  year         = {1998},
  url          = {https://doi.org/10.1108/10662249810217759},
  doi          = {10.1108/10662249810217759},
  timestamp    = {Wed, 04 Mar 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/intr/ShonS98.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/istr/Ward98,
  author       = {Michael Ward},
  title        = {Digital certificates and payment systems},
  journal      = {Inf. Secur. Tech. Rep.},
  volume       = {2},
  number       = {4},
  pages        = {23--31},
  year         = {1998},
  url          = {https://doi.org/10.1016/S1363-4127(97)80790-X},
  doi          = {10.1016/S1363-4127(97)80790-X},
  timestamp    = {Mon, 28 Aug 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/istr/Ward98.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jitech/Phillips98,
  author       = {David J. Phillips},
  title        = {The social construction of a secure, anonymous electronic payment
                  system: frame alignment and mobilization around Ecash},
  journal      = {J. Inf. Technol.},
  volume       = {13},
  number       = {4},
  pages        = {273--284},
  year         = {1998},
  url          = {https://doi.org/10.1057/jit.1998.6},
  doi          = {10.1057/JIT.1998.6},
  timestamp    = {Thu, 20 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jitech/Phillips98.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/acsac/FerreiraD98,
  author       = {Lucas C. Ferreira and
                  Ricardo Dahab},
  title        = {A Scheme for Analyzing Electronic Payment Systems},
  booktitle    = {14th Annual Computer Security Applications Conference {(ACSAC} 1998),
                  7-11 December 1998, Scottsdale, AZ, {USA}},
  pages        = {137--146},
  publisher    = {{IEEE} Computer Society},
  year         = {1998},
  url          = {https://doi.org/10.1109/CSAC.1998.738600},
  doi          = {10.1109/CSAC.1998.738600},
  timestamp    = {Thu, 23 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/acsac/FerreiraD98.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/esorics/HornP98,
  author       = {G{\"{u}}nther Horn and
                  Bart Preneel},
  editor       = {Jean{-}Jacques Quisquater and
                  Yves Deswarte and
                  Catherine Meadows and
                  Dieter Gollmann},
  title        = {Authentication and Payment in Future Mobile Systems},
  booktitle    = {Computer Security - {ESORICS} 98, 5th European Symposium on Research
                  in Computer Security, Louvain-la-Neuve, Belgium, September 16-18,
                  1998, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {1485},
  pages        = {277--293},
  publisher    = {Springer},
  year         = {1998},
  url          = {https://doi.org/10.1007/BFb0055870},
  doi          = {10.1007/BFB0055870},
  timestamp    = {Tue, 19 Sep 2023 14:44:32 +0200},
  biburl       = {https://dblp.org/rec/conf/esorics/HornP98.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ifip/FranzJW98,
  author       = {Elke Franz and
                  Anja Jerichow and
                  Guntram Wicke},
  editor       = {Winfried Lamersdorf and
                  Michael Merz},
  title        = {A Payment Scheme for Mixes Providing Anonymity},
  booktitle    = {Trends in Distributed Systems for Electronic Commerce, International
                  {IFIP/GI} Working Conference, TREC'98, Hamburg, Germany, June 3-5,
                  1998, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {1402},
  pages        = {94--108},
  publisher    = {Springer},
  year         = {1998},
  url          = {https://doi.org/10.1007/BFb0053404},
  doi          = {10.1007/BFB0053404},
  timestamp    = {Tue, 01 Dec 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/ifip/FranzJW98.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ifip/RomaoS98,
  author       = {Artur Rom{\~{a}}o and
                  Miguel Mira da Silva},
  editor       = {Winfried Lamersdorf and
                  Michael Merz},
  title        = {An Agent-Based Secure Internet Payment System for Mobile Computing},
  booktitle    = {Trends in Distributed Systems for Electronic Commerce, International
                  {IFIP/GI} Working Conference, TREC'98, Hamburg, Germany, June 3-5,
                  1998, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {1402},
  pages        = {80--93},
  publisher    = {Springer},
  year         = {1998},
  url          = {https://doi.org/10.1007/BFb0053403},
  doi          = {10.1007/BFB0053403},
  timestamp    = {Fri, 19 May 2017 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/ifip/RomaoS98.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/uwec/AsokanHS98,
  author       = {N. Asokan and
                  Els Van Herreweghen and
                  Michael Steiner},
  editor       = {Bennet S. Yee},
  title        = {Towards a Framework for Handling Disputes in Payment Systems},
  booktitle    = {Proceedings of the 3rd {USENIX} Workshop on Electronic Commerce, Boston,
                  Massachusetts, USA, August 31 - September 3, 1998},
  publisher    = {{USENIX} Association},
  year         = {1998},
  url          = {https://www.usenix.org/conference/3rd-usenix-workshop-electronic-commerce/towards-framework-handling-disputes-payment},
  timestamp    = {Sat, 23 May 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/uwec/AsokanHS98.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/uwec/BellareGJY98,
  author       = {Mihir Bellare and
                  Juan A. Garay and
                  Charanjit S. Jutla and
                  Moti Yung},
  editor       = {Bennet S. Yee},
  title        = {VarietyCash: {A} Multi-Purpose Electronic Payment System},
  booktitle    = {Proceedings of the 3rd {USENIX} Workshop on Electronic Commerce, Boston,
                  Massachusetts, USA, August 31 - September 3, 1998},
  publisher    = {{USENIX} Association},
  year         = {1998},
  url          = {https://www.usenix.org/conference/3rd-usenix-workshop-electronic-commerce/varietycash-multi-purpose-electronic-payment},
  timestamp    = {Tue, 27 May 2014 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/uwec/BellareGJY98.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@book{DBLP:books/daglib/0093292,
  author       = {Donal O'Mahony and
                  Michael Peirce and
                  Hitesh Tewari},
  title        = {Electronic payment systems},
  publisher    = {Artech House},
  year         = {1997},
  isbn         = {978-0-89006-925-7},
  timestamp    = {Tue, 26 Apr 2011 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/books/daglib/0093292.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/computer/AsokanJSW97,
  author       = {N. Asokan and
                  Philippe A. Janson and
                  Michael Steiner and
                  Michael Waidner},
  title        = {The State of the Art in Electronic Payment Systems},
  journal      = {Computer},
  volume       = {30},
  number       = {9},
  pages        = {28--35},
  year         = {1997},
  url          = {https://doi.org/10.1109/2.612244},
  doi          = {10.1109/2.612244},
  timestamp    = {Wed, 12 Aug 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/computer/AsokanJSW97.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jcs/CamenischMS97,
  author       = {Jan Camenisch and
                  Ueli M. Maurer and
                  Markus Stadler},
  title        = {Digital Payment Systems With Passive Anonymity-Revoking Trustees},
  journal      = {J. Comput. Secur.},
  volume       = {5},
  number       = {1},
  pages        = {69--90},
  year         = {1997},
  url          = {https://doi.org/10.3233/JCS-1997-5104},
  doi          = {10.3233/JCS-1997-5104},
  timestamp    = {Mon, 28 Aug 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jcs/CamenischMS97.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ac/Schoenmakers97,
  author       = {Berry Schoenmakers},
  editor       = {Bart Preneel and
                  Vincent Rijmen},
  title        = {Security Aspects of the Ecash\({}^{\mbox{TM}}\) Payment System},
  booktitle    = {State of the Art in Applied Cryptography, Course on Computer Security
                  and Industrial Cryptography, Leuven, Belgium, June 3-6, 1997. Revised
                  Lectures},
  series       = {Lecture Notes in Computer Science},
  volume       = {1528},
  pages        = {338--352},
  publisher    = {Springer},
  year         = {1997},
  url          = {https://doi.org/10.1007/3-540-49248-8\_16},
  doi          = {10.1007/3-540-49248-8\_16},
  timestamp    = {Tue, 14 May 2019 10:00:49 +0200},
  biburl       = {https://dblp.org/rec/conf/ac/Schoenmakers97.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ecis/JelassiP97,
  author       = {Tawfik Jelassi and
                  Manuel Jo{\~{a}}o Pereira},
  editor       = {Robert D. Galliers and
                  Ciaran Murphy and
                  Sven A. Carlsson and
                  Claudia Loebbecke and
                  Hans Robert Hansen and
                  Ramon O'Callaghan},
  title        = {The Electronic Purse in Portugal: {A} Mere Payment System Or {A} Socio-economic
                  'Revolution'?},
  booktitle    = {Proceedings of the Fifth European Conference on Information Systems,
                  {ECIS} 1997, Cork, UK, 1997},
  pages        = {1448--1469},
  publisher    = {Cork Publishing Ltd},
  year         = {1997},
  timestamp    = {Mon, 05 Dec 2016 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/ecis/JelassiP97.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/hicss/MjolsnesM97,
  author       = {Stig Fr. Mj{\o}lsnes and
                  Rolf Michelsen},
  title        = {Open Transnational System for Digital Currency Payments},
  booktitle    = {30th Annual Hawaii International Conference on System Sciences (HICSS-30),
                  7-10 January 1997, Maui, Hawaii, {USA}},
  pages        = {198--207},
  publisher    = {{IEEE} Computer Society},
  year         = {1997},
  url          = {https://doi.org/10.1109/HICSS.1997.663175},
  doi          = {10.1109/HICSS.1997.663175},
  timestamp    = {Fri, 24 Mar 2023 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/conf/hicss/MjolsnesM97.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/kivs/ReifDR97,
  author       = {Holger Reif and
                  J{\"{o}}rg Deutschmann and
                  Dietrich Reschke},
  editor       = {Martina Zitterbart},
  title        = {{SPMP} - ein Protokoll f{\"{u}}r einen Payment Management Service},
  booktitle    = {Kommunikation in Verteilten Systemen, GI/ITG-Fachtagung, Braunschweig
                  19.-21. Februar 1997},
  series       = {Informatik Aktuell},
  pages        = {32--46},
  publisher    = {Springer},
  year         = {1997},
  url          = {https://doi.org/10.1007/978-3-642-60729-5\_3},
  doi          = {10.1007/978-3-642-60729-5\_3},
  timestamp    = {Tue, 23 May 2017 01:06:28 +0200},
  biburl       = {https://dblp.org/rec/conf/kivs/ReifDR97.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@book{DBLP:books/daglib/0085349,
  author       = {Andreas Furche and
                  Graham Wrightson},
  title        = {Computer money - a systematic overview of electronic payment systems},
  publisher    = {dpunkt},
  year         = {1996},
  isbn         = {978-3-920993-54-6},
  timestamp    = {Wed, 27 Apr 2011 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/books/daglib/0085349.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/cn/PaysC96,
  author       = {Paul{-}Andr{\'{e}} Pays and
                  Fabrice de Comarmond},
  title        = {An Intermediation and Payment System Technology},
  journal      = {Comput. Networks},
  volume       = {28},
  number       = {7-11},
  pages        = {1197--1206},
  year         = {1996},
  url          = {https://doi.org/10.1016/0169-7552(96)00076-1},
  doi          = {10.1016/0169-7552(96)00076-1},
  timestamp    = {Wed, 19 Feb 2020 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/cn/PaysC96.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/micro/DhemVQ96,
  author       = {Jean{-}Fran{\c{c}}ois Dhem and
                  Daniel Veithen and
                  Jean{-}Jacques Quisquater},
  title        = {{SCALPS:} Smart card for limited payment systems},
  journal      = {{IEEE} Micro},
  volume       = {16},
  number       = {3},
  pages        = {42--51},
  year         = {1996},
  url          = {https://doi.org/10.1109/40.502405},
  doi          = {10.1109/40.502405},
  timestamp    = {Sat, 20 May 2017 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/micro/DhemVQ96.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/tse/AndersonB96,
  author       = {Ross J. Anderson and
                  S. Johann Bezuidenhoudt},
  title        = {On the Reliability of Electronic Payment Systems},
  journal      = {{IEEE} Trans. Software Eng.},
  volume       = {22},
  number       = {5},
  pages        = {294--301},
  year         = {1996},
  url          = {https://doi.org/10.1109/32.502222},
  doi          = {10.1109/32.502222},
  timestamp    = {Wed, 17 May 2017 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/tse/AndersonB96.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ccs/CamenischPS96,
  author       = {Jan Camenisch and
                  Jean{-}Marc Piveteau and
                  Markus Stadler},
  editor       = {Li Gong and
                  Jacques Stearn},
  title        = {An Efficient Fair Payment System},
  booktitle    = {{CCS} '96, Proceedings of the 3rd {ACM} Conference on Computer and
                  Communications Security, New Delhi, India, March 14-16, 1996},
  pages        = {88--94},
  publisher    = {{ACM}},
  year         = {1996},
  url          = {https://doi.org/10.1145/238168.238193},
  doi          = {10.1145/238168.238193},
  timestamp    = {Tue, 10 Nov 2020 20:00:41 +0100},
  biburl       = {https://dblp.org/rec/conf/ccs/CamenischPS96.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/cmg/ChakravartyD96,
  author       = {Dipto Chakravarty and
                  Salam Dahbour},
  title        = {Internet Payment Systems},
  booktitle    = {22nd International Computer Measurement Group Conference, December
                  10-13, 1996, San Diego, CA, USA, Proceedings},
  pages        = {27--38},
  publisher    = {Computer Measurement Group},
  year         = {1996},
  url          = {http://www.cmg.org/?s2member\_file\_download=/proceedings/1996/96INT315.pdf},
  timestamp    = {Wed, 17 Jul 2019 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/cmg/ChakravartyD96.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/cms/GrimmZ96,
  author       = {R{\"{u}}diger Grimm and
                  Kambiz Zangeneh},
  editor       = {Patrick Horster},
  title        = {Cybermoney in the Internet: An Overview over new Payment Systems in
                  the Internet},
  booktitle    = {Communications and Multimedia Security II, Proceedings of the {IFIP}
                  {TC6/TC11} International Conference on Communications and Multimedia
                  Security at Essen, Germany, 23-24 September 1996},
  series       = {{IFIP} Conference Proceedings},
  volume       = {70},
  pages        = {183--195},
  publisher    = {Chapman {\&} Hall},
  year         = {1996},
  timestamp    = {Mon, 14 Oct 2002 12:00:10 +0200},
  biburl       = {https://dblp.org/rec/conf/cms/GrimmZ96.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/esorics/CamenischMS96,
  author       = {Jan Camenisch and
                  Ueli M. Maurer and
                  Markus Stadler},
  editor       = {Elisa Bertino and
                  Helmut Kurth and
                  Giancarlo Martella and
                  Emilio Montolivo},
  title        = {Digital Payment Systems with Passive Anonymity-Revoking Trustees},
  booktitle    = {Computer Security - {ESORICS} 96, 4th European Symposium on Research
                  in Computer Security, Rome, Italy, September 25-27, 1996, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {1146},
  pages        = {33--43},
  publisher    = {Springer},
  year         = {1996},
  url          = {https://doi.org/10.1007/3-540-61770-1\_26},
  doi          = {10.1007/3-540-61770-1\_26},
  timestamp    = {Tue, 14 May 2019 10:00:53 +0200},
  biburl       = {https://dblp.org/rec/conf/esorics/CamenischMS96.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/euromedia/HavingaSH96,
  author       = {Paul J. M. Havinga and
                  Gerard J. M. Smit and
                  Arne Helme},
  editor       = {Alexander Verbraeck},
  title        = {Survey of Electronic Payment Methods and Systems},
  booktitle    = {{EUROMEDIA} 1996 featuring WEBTEC-MEDIATEC-COMTEC-APTEC, Holiday Inn
                  Nelson Dock, London, UK, December 19-21, 1996},
  pages        = {180--187},
  publisher    = {SCS, The Society for Computer Simulation International},
  year         = {1996},
  timestamp    = {Tue, 11 Apr 2023 17:00:36 +0200},
  biburl       = {https://dblp.org/rec/conf/euromedia/HavingaSH96.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ifip/ZhaoDK96,
  author       = {Jian Zhao and
                  C. Dong and
                  Eckhard Koch},
  editor       = {Jos{\'{e}} L. Encarna{\c{c}}{\~{a}}o and
                  Jan M. Rabaey},
  title        = {Yet Another Simple Internet Electronic Payment System},
  booktitle    = {Mobile Communications: Technology, Tools Applications, Authentication
                  and Security},
  series       = {{IFIP} Conference Proceedings},
  volume       = {66},
  pages        = {267--274},
  publisher    = {Chapman {\&} Hall},
  year         = {1996},
  timestamp    = {Wed, 03 May 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/ifip/ZhaoDK96.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/jcmc/Crede95,
  author       = {Andreas Crede},
  title        = {Electronic Commerce and the Banking Industry: The Requirement and
                  Opportunities for New Payment Systems Using the Internet},
  journal      = {J. Comput. Mediat. Commun.},
  volume       = {1},
  number       = {3},
  pages        = {0},
  year         = {1995},
  url          = {https://doi.org/10.1111/j.1083-6101.1995.tb00171.x},
  doi          = {10.1111/J.1083-6101.1995.TB00171.X},
  timestamp    = {Thu, 01 Oct 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/jcmc/Crede95.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/eurocrypt/PfitzmannSW95,
  author       = {Birgit Pfitzmann and
                  Matthias Schunter and
                  Michael Waidner},
  editor       = {Louis C. Guillou and
                  Jean{-}Jacques Quisquater},
  title        = {How to Break Another Provably Secure Payment System},
  booktitle    = {Advances in Cryptology - {EUROCRYPT} '95, International Conference
                  on the Theory and Application of Cryptographic Techniques, Saint-Malo,
                  France, May 21-25, 1995, Proceeding},
  series       = {Lecture Notes in Computer Science},
  volume       = {921},
  pages        = {121--132},
  publisher    = {Springer},
  year         = {1995},
  url          = {https://doi.org/10.1007/3-540-49264-X\_10},
  doi          = {10.1007/3-540-49264-X\_10},
  timestamp    = {Tue, 14 May 2019 10:00:53 +0200},
  biburl       = {https://dblp.org/rec/conf/eurocrypt/PfitzmannSW95.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/sp/AndersonB95,
  author       = {Ross J. Anderson and
                  S. Johann Bezuidenhoudt},
  title        = {Cryptographic credit control in pre-payment metering systems},
  booktitle    = {Proceedings of the 1995 {IEEE} Symposium on Security and Privacy,
                  Oakland, California, USA, May 8-10, 1995},
  pages        = {15--23},
  publisher    = {{IEEE} Computer Society},
  year         = {1995},
  url          = {https://doi.org/10.1109/SECPRI.1995.398919},
  doi          = {10.1109/SECPRI.1995.398919},
  timestamp    = {Thu, 21 Sep 2023 15:57:36 +0200},
  biburl       = {https://dblp.org/rec/conf/sp/AndersonB95.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/esorics/BolyBCMMMPPRSSVW94,
  author       = {Jean{-}Paul Boly and
                  Antoon Bosselaers and
                  Ronald Cramer and
                  Rolf Michelsen and
                  Stig Fr. Mj{\o}lsnes and
                  Frank Muller and
                  Torben P. Pedersen and
                  Birgit Pfitzmann and
                  Peter de Rooij and
                  Berry Schoenmakers and
                  Matthias Schunter and
                  Luc Vall{\'{e}}e and
                  Michael Waidner},
  editor       = {Dieter Gollmann},
  title        = {The {ESPRIT} Project {CAFE} - High Security Digital Payment Systems},
  booktitle    = {Computer Security - {ESORICS} 94, Third European Symposium on Research
                  in Computer Security, Brighton, UK, November 7-9, 1994, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {875},
  pages        = {217--230},
  publisher    = {Springer},
  year         = {1994},
  url          = {https://doi.org/10.1007/3-540-58618-0\_66},
  doi          = {10.1007/3-540-58618-0\_66},
  timestamp    = {Sat, 19 Oct 2019 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/esorics/BolyBCMMMPPRSSVW94.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/esorics/CamenischPS94,
  author       = {Jan Camenisch and
                  Jean{-}Marc Piveteau and
                  Markus Stadler},
  editor       = {Dieter Gollmann},
  title        = {An Efficient Electronic Payment System Protecting Privacy},
  booktitle    = {Computer Security - {ESORICS} 94, Third European Symposium on Research
                  in Computer Security, Brighton, UK, November 7-9, 1994, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {875},
  pages        = {207--215},
  publisher    = {Springer},
  year         = {1994},
  url          = {https://doi.org/10.1007/3-540-58618-0\_65},
  doi          = {10.1007/3-540-58618-0\_65},
  timestamp    = {Sat, 20 May 2017 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/conf/esorics/CamenischPS94.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/crypto/PfitzmannW91,
  author       = {Birgit Pfitzmann and
                  Michael Waidner},
  editor       = {Joan Feigenbaum},
  title        = {How To Break and Repair {A} "Provably Secure" Untraceable Payment
                  System},
  booktitle    = {Advances in Cryptology - {CRYPTO} '91, 11th Annual International Cryptology
                  Conference, Santa Barbara, California, USA, August 11-15, 1991, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {576},
  pages        = {338--350},
  publisher    = {Springer},
  year         = {1991},
  url          = {https://doi.org/10.1007/3-540-46766-1\_28},
  doi          = {10.1007/3-540-46766-1\_28},
  timestamp    = {Fri, 17 Jul 2020 16:12:45 +0200},
  biburl       = {https://dblp.org/rec/conf/crypto/PfitzmannW91.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/ifip9/Walters91,
  author       = {Michael Walters},
  editor       = {Roger Clarke and
                  Julie Cameron},
  title        = {An Argument for "Smart" Financial Transaction Cards in the Australian
                  Payments System},
  booktitle    = {Managing Information Technology's Organisational Impact, II, Proceedings
                  of the {IFIP} {TC9} Conference on Managing Information Technology's
                  Organisational Impact, II, Adelaide, Australia, 7-8 October, 1991},
  series       = {{IFIP} Transactions},
  volume       = {{A-3}},
  pages        = {5--40},
  publisher    = {North-Holland},
  year         = {1991},
  timestamp    = {Fri, 15 Feb 2002 12:08:26 +0100},
  biburl       = {https://dblp.org/rec/conf/ifip9/Walters91.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/compsec/BurkP89,
  author       = {Holger B{\"{u}}rk and
                  Andreas Pfitzmann},
  title        = {Digital payment systems enabling security and unobservability},
  journal      = {Comput. Secur.},
  volume       = {8},
  number       = {5},
  pages        = {399--416},
  year         = {1989},
  url          = {https://doi.org/10.1016/0167-4048(89)90022-9},
  doi          = {10.1016/0167-4048(89)90022-9},
  timestamp    = {Mon, 28 Aug 2023 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/compsec/BurkP89.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/apn/HildebrandT88,
  author       = {Theodor Hildebrand and
                  Nicolas Tr{\`{e}}eves},
  editor       = {Grzegorz Rozenberg},
  title        = {S-CORT\({}^{\mbox{(R)}}\): a method for the development of electronic
                  payment systems},
  booktitle    = {Advances in Petri Nets 1989, covers the 9th European Workshop on Applications
                  and Theory in Petri Nets, held in Venice, Italy in June 1988, selected
                  papers},
  series       = {Lecture Notes in Computer Science},
  volume       = {424},
  pages        = {262--280},
  publisher    = {Springer},
  year         = {1988},
  url          = {https://doi.org/10.1007/3-540-52494-0\_33},
  doi          = {10.1007/3-540-52494-0\_33},
  timestamp    = {Fri, 17 Jul 2020 16:12:46 +0200},
  biburl       = {https://dblp.org/rec/conf/apn/HildebrandT88.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@inproceedings{DBLP:conf/crypto/Damgard88a,
  author       = {Ivan Damg{\aa}rd},
  editor       = {Shafi Goldwasser},
  title        = {Payment Systems and Credential Mechanisms with Provable Security Against
                  Abuse by Individuals},
  booktitle    = {Advances in Cryptology - {CRYPTO} '88, 8th Annual International Cryptology
                  Conference, Santa Barbara, California, USA, August 21-25, 1988, Proceedings},
  series       = {Lecture Notes in Computer Science},
  volume       = {403},
  pages        = {328--335},
  publisher    = {Springer},
  year         = {1988},
  url          = {https://doi.org/10.1007/0-387-34799-2\_26},
  doi          = {10.1007/0-387-34799-2\_26},
  timestamp    = {Fri, 17 Jul 2020 16:12:45 +0200},
  biburl       = {https://dblp.org/rec/conf/crypto/Damgard88a.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/cacm/Lipis79,
  author       = {Allen H. Lipis},
  title        = {Costs of the Current {U.S.} Payments System},
  journal      = {Commun. {ACM}},
  volume       = {22},
  number       = {12},
  pages        = {644--647},
  year         = {1979},
  url          = {https://doi.org/10.1145/359178.359181},
  doi          = {10.1145/359178.359181},
  timestamp    = {Tue, 06 Nov 2018 00:00:00 +0100},
  biburl       = {https://dblp.org/rec/journals/cacm/Lipis79.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
@article{DBLP:journals/sigcas/Lee76,
  author       = {John F. Lee},
  title        = {Clearing house interbank payments system},
  journal      = {{SIGCAS} Comput. Soc.},
  volume       = {7},
  number       = {4},
  pages        = {6--9},
  year         = {1976},
  url          = {https://doi.org/10.1145/958852.958854},
  doi          = {10.1145/958852.958854},
  timestamp    = {Wed, 01 Apr 2020 01:00:00 +0200},
  biburl       = {https://dblp.org/rec/journals/sigcas/Lee76.bib},
  bibsource    = {dblp computer science bibliography, https://dblp.org}
}
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