Darbas yra skirtas elektroninėms atsiskaitymo sistemoms, kaip vienai iš įdomiausių elektroninės komercijos formų. Darbe teigiama, kad elektroniniai atsiskaitymai yra XXI a. elektroninės bankininkystės fenomenas, kurio socialinis elektroninis reikšmingumas akivaizdus, ir kad tai yra labai svarbi sritis, jau gana seniai nagrinėjama informatikos ir ekonomikos užsienio šalių mokslo atstovų. Tuo tarpu apie elektroninių atsiskaitymų padėtį Lietuvoje mažai diskutuojama, o atsiskaitymo sistemų aplinkoje susiduriama su vartotojų pasitikėjimo, atsiskaitymų saugumo užtikrinimo, sąnaudų ir informacijos nepakankamos sklaidos problemomis. Darbe apibūdinamas jų sprendimas, įvertinama esama situacija ir perspektyvos Lietuvos bankuose. / This work is intended to present solutions to the problems regarding e-payment infrastructure in Lithuania. This work affirms that e-payment systems are the phenomenon of the XXI century in the field of e-banking and that these systems are the question of interest that has been researched and analyzed for a long time by economists and information scientists abroad. Meanwhile, the condition of e-payment systems in Lithuania has not been discussed enough. E-payment systems present challenges such as lack of trust by clients, e-payment security problems and information distribution lack. This work presents solutions to the current problems, evaluates the present situation and future prospects of e-commerce in banks of Lithuania.

In this document we are analyzing and modelling Mobile Payments System (further MPS). This type of system is based on new technologies. It is created in order to simplify every day’s usual small payments for different services. MMS also can offer to its users new service like access control, e-ticket and etc. Services that require small payments are integrated into one payments management system. The usage of the created system is simple and easy. The clients of the system are all users that use daily services such us car parking, city transport, theatre, cinema and other services where you don‘t need big money to pay for services. The users have to have mobile phone with SIM and integrated RFID card. Payment is very easily done, once you picked a service you can put your phone close to terminal and money are deducted from your e-account on the RFID fare card. A lot of service providers should be interested in this type of system. Because it can give cost reductions, it’s better and faster manageable, service providers can earn more from those value added services. MMS is also useful for the user, because he doesn’t need to carry with him small cash money, he can use his mobile with SIM and RFID as mobile-wallet which holds his e-money, e-ticket, access to office card.

Darbe nagrinėjami šiuo metu rinkoje naudojami elektroninių atsiskaitymų modeliai ir jų saugumo problemos. Kadangi elektroninių transakcijų metu operuojama svarbiais ir konfidencialiais duomenimis, aukštesnio saugumo lygio užtikrinimo problema visada išlieka itin aktuali. Darbe išnagrinėtos dažniausiai sutinkamos elektroninių atsiskaitymų schemos (tiesioginis atsiskaitymas ir atsiskaitymas per Paypal sistemą), jų saugumo užtikrinimo principai, technikos ir spragos. Atsižvelgiant į dabartinius rinkos poreikius ir informacijos saugumo spragas šiuo metu naudojamuose modeliuose, suprojektuotas aukštesnio saugumo lygio elektroninių atsiskaitymų modelis ir realizuotas šio sprendimo prototipas. Šio prototipo projektas ir realizacija gali būti naudojamos kaip rekomendacijos kūrėjams, tobulinantiems elektroninių atsiskaitymų modelių saugumą. / The work deals with electronic payment models used in the market and their security problems. As electronic transactions operate with important and confidential data, ensuring higher level of security is always an actual issue. The study generally concerns the main electronic payment schemes (direct payment and payment through Paypal), their safety principles, technical decisions and security ensuring gaps. Considering the current market needs and information security gaps in current eCommerce models, a new, ensuring higher level of security in electronic payments, model was designed and a prototype of this decision was implemented. The prototype design and implementation may be used as recommendations for developers, improving electronic payment security models.