PayPal has faced many different challenges over the years. In the beginning of their journey the biggest challenge of PayPal was the overall ignorance to prevent fraudulent activities and to provide high safety systems. By solving this, PayPal has changed and improved the opportunities of secure online purchases. During couple of years new mobile payment services have developed around the world. They are quick, safe and simple. Especially in the market of peer-to-peer PayPal will meet more competition in the future. Another big challenge of PayPal will be if more online retailers follow Amazon.com´s example and start using their own payment options and by this isolate PayPal as a payment option.

PayPal has faced many different challenges over the years. In the beginning of their journey the biggest challenge of PayPal was the overall ignorance to prevent fraudulent activities and to provide high safety systems. By solving this, PayPal has changed and improved the opportunities of secure online purchases. During couple of years new mobile payment services have developed around the world. They are quick, safe and simple. Especially in the market of peer-to-peer PayPal will meet more competition in the future. Another big challenge of PayPal will be if more online retailers follow Amazon.com´s example and start using their own payment options and by this isolate PayPal as a payment option.

PayPal is the leader in the field of online payment platform. Their ability to prevent fraudulent activities and PayPal´s high safety is the main reason for its success. PayPal is mostly used in costumer to costumer market but their business market users are also rising. Users are secured with a buy and sell insurance when they use PayPal services. If someone has purchased something online that then are not delivered, or that deviates markedly from the seller's description, PayPal can reimburse the full amount of the goods. Other services such as transferring money between friends are also possible. PayPal´s buy and sell insurance is what online purchasers’ value the most when they are shopping online and PayPal is at the forefront of this. If this type of insurances that PayPal provides would not exist people would purchase online less than they do today. PayPal has revolutionized and ameliorate the entire online purchase market for everyone with their safe payment platform.

<p>Detta examensarbete är gjort på uppdrag av Fiber Optik Valley. Huvuduppdraget i projektet var att skapa ett fungerande betalningssystem för en hotspot och att utveckla företagets webbsida. Hotspotsystemet som baserades på en gratistjänst från Public IP, är tänkt att kunna fungera delvis autonomt utan ägarens ingripande. Företagets webbsida skapades i en Flex2-utvecklingsmiljö och produkten blev en Adobe Flash-applikation. För att få ett dynamiskt och konfigurerbart system skapades även en kontrollpanel till webbsidan åt företagets webbadministratörer, så att innehållet på sidan ska kunna förändras utan att behöva kompilera om koden. Kontrollpanelen säkrades också med en inloggningsprocess.</p><p>Som underliggande motor och som ersättning för brister i Flash-funktionaliteten, användes Simple PHP-tjänster mellan Flash-applikationen och PHP-skripten på servern. Betalningssystemet utvecklades med hjälp av PHP, MySQL och JavaScript. I systemet ingår PayPal’s IPN-tjänster för penningtransaktioner och validering av transaktioner. En självständig AMP-server, Apache2, MySQL och PHP5.0, lades till hotspotsystemet för att minska behovet av att ha en webbsida på ett externt webbhotell.</p> / <p>This graduation work was done as a assignment from Fiber Optic City company based in Hudiksvall Sweden. The base assignment was to create an automated payment system for a Hotspot network and a company web page. The hotspot system should work as a standalone service. The company has already a working free-of-charge service that is offered to its customers and is based on Public IP system.</p><p>The company webpage was done with the help of a development suite called Flex2 and the result was an Adobe Flash application. To increase webpage dynamics a second page was developed for the company to have the ability to change and configure the main company webpage. An authentication service was deployed to configuration page to increase its security. As an engine and a substitute for lack of functionality and security in Adobe Flash simplePHP web service was used to connect Flash with a PHP script on its server.</p><p>The payment system was developed with the help of PHP, MySQL and JavaScript. The system uses Paypal IPN service for money transaction and transaction validation</p><p>A standalone web server with Apache2, PHP 5.0 and MySQL was deployed to the hotspot system to reduce the need of having an authentication system on a commercial Internet based web hotel.</p>

The aim of this thesis is to inspect and identify available technologies and services in order to develop a prototype web application, based on acrowd funding idea, for a startup company. The prototype is going to be used for attracting investments, for further development, and it implements essential functionality such as social login, and a user interface focused on statistics and a payment service.The project was conducted in three main areas, a research phase, a development phase and a documentation phase. All the choices that have been made during the project have been considered with other possible solutions at the research phase by investigating the advantages and disadvantages of the solutions. In conclusion, the thesis examines the web application prototype as a final result, evaluates design decisions and solution choices made in there search phase and recommends possible extension routes of the system for further application development. The thesis hopes to offer useful information and a good starting point for students that are considering developing an application based on a crowd funding model or an Enterprise application using similar technologies. / Syftet med denna studien är att undersöka och identifiera tillgängligateknologiska lösningar och tjänster för utveckling av en webbapplikation prototyp, baserad på en crowdfunding idé, för ett nystartat företag. Prototypen kommer att användas för att locka inverterare som är villiga att vidareutveckla prototypen. De grundläggande funktionaliteten såsom social inloggning, och et tanvändargränssnitt med fokus på statistik och en betaltjänst är implementerat i prototypen. Projektet utfördes i tre huvudsakliga delar, en undersöknings fas, en utvecklins fas och dokumentations fas. Alla valen som har gjorts under projektets gång har övervägts med andra möjliga val under undersökningsfasen genom att ta fram för och nackdelar. Avslutningsvis undersöker studien den slutliga prototypen som ett slutresultat, utvärderar designbeslut och lösnings val som har gjorts under forskningsfasen och rekommenderar eventuella tilläggsmöjligheter för vidareutveckling. Studien förväntas kunna ge användbar information och en bra utgångspunkt för projekt som överväger att utveckla ett program som bygger på en crowdfunding modell eller ett Enterprise program med liknande teknologi.

Práce komplexně popisuje současné alternativní možnosti on-line plateb v prostředí Internetu. Práce sleduje trendy a vývoj v oblasti e-Payment systémů, včetně praktického využití pro účely on-line obchodování v České republice. Důraz je kladen především na systémy ktyté zlatem, systém e-gold.

Detta examensarbete är gjort på uppdrag av Fiber Optik Valley. Huvuduppdraget i projektet var att skapa ett fungerande betalningssystem för en hotspot och att utveckla företagets webbsida. Hotspotsystemet som baserades på en gratistjänst från Public IP, är tänkt att kunna fungera delvis autonomt utan ägarens ingripande. Företagets webbsida skapades i en Flex2-utvecklingsmiljö och produkten blev en Adobe Flash-applikation. För att få ett dynamiskt och konfigurerbart system skapades även en kontrollpanel till webbsidan åt företagets webbadministratörer, så att innehållet på sidan ska kunna förändras utan att behöva kompilera om koden. Kontrollpanelen säkrades också med en inloggningsprocess. Som underliggande motor och som ersättning för brister i Flash-funktionaliteten, användes Simple PHP-tjänster mellan Flash-applikationen och PHP-skripten på servern. Betalningssystemet utvecklades med hjälp av PHP, MySQL och JavaScript. I systemet ingår PayPal’s IPN-tjänster för penningtransaktioner och validering av transaktioner. En självständig AMP-server, Apache2, MySQL och PHP5.0, lades till hotspotsystemet för att minska behovet av att ha en webbsida på ett externt webbhotell. / This graduation work was done as a assignment from Fiber Optic City company based in Hudiksvall Sweden. The base assignment was to create an automated payment system for a Hotspot network and a company web page. The hotspot system should work as a standalone service. The company has already a working free-of-charge service that is offered to its customers and is based on Public IP system. The company webpage was done with the help of a development suite called Flex2 and the result was an Adobe Flash application. To increase webpage dynamics a second page was developed for the company to have the ability to change and configure the main company webpage. An authentication service was deployed to configuration page to increase its security. As an engine and a substitute for lack of functionality and security in Adobe Flash simplePHP web service was used to connect Flash with a PHP script on its server. The payment system was developed with the help of PHP, MySQL and JavaScript. The system uses Paypal IPN service for money transaction and transaction validation A standalone web server with Apache2, PHP 5.0 and MySQL was deployed to the hotspot system to reduce the need of having an authentication system on a commercial Internet based web hotel.

The thesis analyse the most important payment systems in the world as well as in Czech republic. The thesis also includes the analysis of internet payment systems available for czech e-shops.

Diploma thesis entitled Trading on Internet Auctions deals with the analysis and comparison of important international and Czech internet auctions. Under examination are not only important auctions in terms of number of users, but also those that surpass other interesting business solutions and innovative thinking. The diploma thesis is divided into three chapters. The first chapter, entitled Establishment and Development of e-commerce describes the most important events and milestones for the development of e-commerce and the subsequent emergence of online auctions. The second chapter is specifically devoted to the analysis and comparison of foreign auction sites. The third chapter focused attention on the Czech auction sites, including the legal aspects that are related to trading on internet auctions. The whole thesis ends by conclusion and evaluation of reaching the given object.

Mobile banking is a feature bringing customer transactions to the doorstep of mobile users by sitting at home. As the demand for mobile payment applications has increased, numerous payment applications are developed throughout the world. Every payment gateway must have certain customer acceptable conditions, usability is one such condition wherein every mobile payment application must fulfill the condition of user friendly with easily understandable features to the customer. Usability is guided by certain well-defined principles, for the optimum benefit of the user. Many researchers have worked on mobile payment applications but there are limited studies on usability comparison of payment gateways. Hence, an attempt is made in the present study to understand the two applications in two different socio-cultural contexts of Indian and Swedish societies, viz., Google Pay and PayPal respectively, on usability principles. The present study is designed with the objectives to analyze and compare satisfaction on Nielsen’s heuristic principles of PayPal and Google Pay payment users, and to the understanding association between satisfaction on Nielsen’s heuristic principles and various independent variables. A survey questionnaire, called “Personal Attitude Inventory for Measurement of satisfaction on Heuristic Principles” was developed to measure the satisfaction of users on heuristic principles of Nielsen of PayPal and Google Pay users. The validity and reliability of the questionnaire are established. The questionnaire is administered to 36 subjects, 18 subjects who are using Google Pay are drawn from India, and the other 18 subjects, using PayPal, are drawn from Sweden. Student t-tests and chi-squared tests are used to analyze the data. Significant differences are not found between PayPal and Google Pay users on the overall heuristic principles of Nielsen, and also on each of the 10 heuristic principles of Nielsen. It is inferred that both PayPal and Google Pay users are comparable on all heuristic principles. Majority of the users of these payment gateways have more satisfaction on all 10 heuristic principles. Results of the study further revealed no association between socio-demographic independent variables like age, gender, and different types of users of PayPal and Google Pay and satisfaction on heuristic principles. These two payment gateways have more or less equivalent features, facilitating similar perceptions and satisfaction levels on heuristic usability principles of Swedish and Indian samples. Several views are put forth for further research.