{"title":"Activity-based payments: alternative (anonymous) online payment model","authors":"Rafał Leszczyna","doi":"10.1007/s10207-024-00816-0","DOIUrl":null,"url":null,"abstract":"<p>Electronic payments are the cornerstone of web-based commerce. A steady decrease in cash usage has been observed, while various digital payment technologies are taking over. They process sensitive personal information raising concerns about its potentially illicit usage. Several payment models that confront this challenge have been proposed. They offer varying levels of anonymity and readiness for adoption. The aim of this study was to broaden the portfolio with a solution that assures the highest level of anonymity and is well applicable. An empirical design research study with prototyping and conceptual research with a proposed construct were employed for this purpose. As a result, the Activity-Based Payment (ABP) model was proposed. It introduces a different mode of completing a payment transaction based on performing specific activities on a web location indicated by the payee. The anonymity properties of the solution, as well as its performance and applicability have been evaluated showing its particular suitability to micropayment and small payment scenarios.</p>","PeriodicalId":50316,"journal":{"name":"International Journal of Information Security","volume":"3 1","pages":""},"PeriodicalIF":2.4000,"publicationDate":"2024-02-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"International Journal of Information Security","FirstCategoryId":"94","ListUrlMain":"https://doi.org/10.1007/s10207-024-00816-0","RegionNum":4,"RegionCategory":"计算机科学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q3","JCRName":"COMPUTER SCIENCE, INFORMATION SYSTEMS","Score":null,"Total":0}
引用次数: 0
Abstract
Electronic payments are the cornerstone of web-based commerce. A steady decrease in cash usage has been observed, while various digital payment technologies are taking over. They process sensitive personal information raising concerns about its potentially illicit usage. Several payment models that confront this challenge have been proposed. They offer varying levels of anonymity and readiness for adoption. The aim of this study was to broaden the portfolio with a solution that assures the highest level of anonymity and is well applicable. An empirical design research study with prototyping and conceptual research with a proposed construct were employed for this purpose. As a result, the Activity-Based Payment (ABP) model was proposed. It introduces a different mode of completing a payment transaction based on performing specific activities on a web location indicated by the payee. The anonymity properties of the solution, as well as its performance and applicability have been evaluated showing its particular suitability to micropayment and small payment scenarios.
期刊介绍：
The International Journal of Information Security is an English language periodical on research in information security which offers prompt publication of important technical work, whether theoretical, applicable, or related to implementation.
Coverage includes system security: intrusion detection, secure end systems, secure operating systems, database security, security infrastructures, security evaluation; network security: Internet security, firewalls, mobile security, security agents, protocols, anti-virus and anti-hacker measures; content protection: watermarking, software protection, tamper resistant software; applications: electronic commerce, government, health, telecommunications, mobility.
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