Towards the Advancement of Cashless Transaction: A Security Analysis of Electronic Payment Systems

In recent decades, day-to-day lifestyle requires online payments as easy and simple solutions to several financial transactions, which makes the concept of Electronic payment Systems very popular in the growth of a cashless society. In fact, cashless transactions through simple mobile apps are not merely a concept anymore rather are implemented robustly and being used extensively. On the dark side, obvious financial benefits are making these apps vulnerable to being attacked, which can be successful through security breaches. These cybersecurity issues need to be traced out and resolved to make the financial transactions through an app secure and trustworthy. In this paper, several related papers are analyzed to trace out possible cybersecurity issues in the domain of Electronic Transaction System. The objective is to establish sufficient theoretical background to propose methodologies for measuring security issues and also identify the security strength of any FinTech application and provide standard security metrics.

“电子钱包”让人花钱更多?——手机支付的心理账户效应

为探究手机支付使用者消费增加的现象及其心理账户效应,使用计算机程序对114名被试进行了三项模拟购物实验。实验发现:(1)手机支付组被试的商品消费次数和金额都显著高于现金支付组被试。(2)手机支付时被试不会对大金额的消费进行控制,对大钱和小钱的花费不存在显著差异。(3)手机支付的意外收入组被试消费次数和金额显著高于常规收入组被试,且更多用于享乐型消费。

错误汇款中的不当得利问题分析

在银行无过错地按指示进行汇款的错误汇款案件中,不当得利关系存在于汇款人与收款人之间,收款人为对银行债权的准占有人,错误汇款人有权要求收款人返还该不当得利。若在该类型错误汇款中,汇入银行在错误汇款记入收款人账户后,在不知也不应知其为错误汇款的情况下,根据其与收款人之间的"综合授信合同"对收款人的账户进行划扣的,亦发生清偿效果,银行并无不当得利,不当得利关系仍存在于汇款人与收款人之间,收款人的不当得利为对汇入银行债务负担的减轻。

日本无现金支付的推广状况与前景分析

推广无现金支付是日本国家复兴战略和未来投资战略中的重要一环,也是安倍经济学"三支箭"的关键内容之一。2018年日本经济产业省发布《无现金愿景》,由此拉开了日本加速推广无现金支付的序幕。为了改变"无现金支付落后国家"的形象,日本政府出台一系列国家发展规划纲要,强力推进金融科技(FinTech);金融机构促进法律法规的健全,为无现金社会的构建打造良好的实施环境;无现金支付服务行业开启多样化无现金支付手段的"战国时代";官产学一体无现金支付推广协会协助推广"无现金支付返现措施"。日本无现金支付的推广取得了一定的成果。然而,消费税税率的提升和全球突发公共卫生事件对日本经济的影响给无现金支付的推广带来了诸多不确定性;另外,对现金高度依赖的社会环境、实体店铺等商家对成本和收益的担忧、消费者对改变消费习惯的不安和对个人信息安全的谨慎、无现金支付服务商对推广成本和特殊商业习惯的顾虑等都将成为日本继续推广无现金支付的阻力。