Online Digital Payment System
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Date
2013-11
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Addis Ababa University
Abstract
Due to the expansion of the Internet throughout the world, payment systems are growing in number aiming to automate the process of buying and selling goods online. These systems have shown that it is possible to save time, resource and cost of transactions carried out using traditional paper based payment systems. Payment in all online payment systems is carried out using credit cards. However, in Ethiopia the use of credit card is very minimal. In this project work an Online Digital Payment System is designed and implemented by considering problems related to the minimal use of credit card based online payment systems in Ethiopia. Three-tier system architecture is chosen as architecture of the system. To reduce the complexity of the system, it is decomposed into four sub systems (Administration sub system, User sub system, Security sub system and Shop sub system) which run on different tiers. Payment models for buying and selling items and bonds have also been designed and implemented. Digital Birr, a payment code digitally signed by system provider (i.e. a Bank), is used as a means of paying for goods. Bond related transactions are carried out using Digital Bond, a bond payment code digitally signed by system provider. XHTML is used to present the contents on the client web browser. The dynamic parts are implemented using JavaScript, for client-side scripting and ASP.NET (C-Sharp), for server-side scripting. Finally, the Online Digital Payment System prototype evaluation is conducted using questionnaire by involving 30 different users from 5 different banks (6 users from each banks) using random selection. The results have shown that the Online Digital Payment System saves time, resource and cost of using paper based payment systems; it is easy to use and is secure. It is also seen that the system is a low-cost system to work with compared to credit card based systems.
Key words: Digital Birr, Digital Bond, Online Payment, Online Shop, Digital Signature
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Keywords
Digital Birr, Digital Bond, Online Payment, Online Shop, Digital Signature