VARNOST ELEKTRONSKEGA PLAČEVANJA NA INTERNETU

• Main Author: Zidar, Miha
• Other Authors: Sternad, Simona
• Format: Bachelor Thesis
• Language: Slovenian
• Published: M. Zidar 2013
• Subjects: varnost elektronskega plačevanja; alternative elektronskega plačevanja; raziskava; zloraba; Paypal; finančni podatki.; security of electronic payment; electronic payment alternatives; research; abuse; financial data.; info:eu-repo/classification/udc/004; Morali; sami
• Online Access: https://dk.um.si/IzpisGradiva.php?id=41796; https://dk.um.si/Dokument.php?id=58644&dn=; https://plus.si.cobiss.net/opac7/bib/11552540?lang=sl

Vsi uporabniki elektronskega poslovanja se srečujemo s problematiko varnosti te vrste poslovanja. Predvsem sem ciljamo na uporabnike srednjih let in starejše. Lastna raziskava je pokazala, da več kot tri četrtine anketirancev že uporablja elektronska plačilna sredstva, vendar moramo izpostaviti, da je bila povprečna starost anketirancev 27.2 let. Namen diplomskega seminarja je bil seznanitev z alternativami plačevanja na internetu ter analiziranje le-teh glede varnosti ter prijaznosti do nas uporabnikov. Par besed smo namenili sami opredelitvi elektronskega plačevanja ter pregledu varnostnih mehanizmov, ki nas varujejo pred zlorabami. Nadaljevali smo z alternativami elektronskega plačevanja, tako da lahko najdemo tisto možnost, ki nam je glede na lastne kriterije najbolj blizu. Zadali smo si tri hipoteze s pomočjo katerih smo ugotovili najbolj optimalno možnost elektronskega plačevanja glede na kriterija varnosti in prijaznosti do uporabnika, saj menimo da sta to ključna elementa za sprejetje med vso populacijo. Trenutno je glede na naše zahteve najbolj smotrna izbira sistem elektronskega plačevanja Paypal, saj prodajalci ne vidijo naših finančnih podatkov. Za dvig uporabe elektronskih sredstev bodo v prihodnosti poskrbeli ponudniki plačilnih sredstev s pomočjo elektronske podpore vsem vsakdanjim opravilom. Poleg podpore bodo morali vlagati v vzpostavitev popolnega zaupanja v primeru, da bomo popolnoma prešli na elektronski denar. All users of electronic commerce are faced with the problem of the security of the this type of business. In particular we are target to middle-aged and elderly users. Own survey found that more than three-quarters of respondents already using electronic means of payment, but we must point out that the average age of the respondents is 26.2 years. The aim of the thesis was to learn about alternatives to paying on the Internet and analyzing them in the safety and friendliness to users. We devoted few words to the definition of electronic payment and review of security mechanisms that protect us from abuse. We continued with the electronic payment alternatives, so that we can find that possibility which fits to. We set three hypotheses by which we identify the most optimal option of electronic payment according to the criteria of safety and user-friendliness, we believe that these are the key elements for the adoption of the whole population. Currently, according to our requirements the most rational choice of electronic payment is system Paypal because vendors do not see our financial data. In order to increase the use of electronic means in the future take care of the payment of funds through electronic support for all daily tasks. In addition, support will be required to invest in the establishment of a trust in the case that we completely switched to electronic money.