The realisation of electronic commerce process is very
difficult without appropriate system for electronic payment.
Of course it is possible to use some of the conventional
payment instruments (e.g. payment cards, bills, payment
orders), but these instruments do not fit with the above
requirements for improving the commerce process. The
resulting electronic commerce system would have
disadvantages inherited from these conventional payment
instruments. New electronic payment systems should be
developed to satisfy all requirements of electronic
commerce. The main idea of most of these systems is to
convert conventional money to its electronic equivalent
- electronic money.
The growth of electronic commerce systems causes that
requirements for suitable payment systems are quite urgent
and important. A number of payment systems is proposed and
some of them are implemented. But we are still not satisfied
with the quality of existent payment systems and the
evolution of these systems is still far from required
status.
The problematics of electronic money is tightly coupled with
the problematics of information system security and mainly
with the problematics of cryptography. The design of
functional electronic payment system is not so difficult.
The design of functional and secure payment system is quite
difficult and security mechanisms are usually the most
important part of the payment system. This fact will be also
reflected in the speech.
CV:
Petr Hanacek received the MSc. degree in computer
engineering in 1987 and the doctorate in Computer Science in
1997, both from the Technical University of Brno (VUT Brno
in Czech). He is currently assistant professor at the
Department of Computer Science and Engineering, Technical
University of Brno. His main research interests include
information security, security audit of information systems,
smartcard security, and applied cryptography. He has been
involved in many projects and security studies in the area
of information system security and payment system security.