Czech market offers sadly no simple solution for making a fast payment on the internet for the low-cost. Comparing to the world trends the Czech internet community has small experience with online and fast payment. About 100 million of users use micropayment system every day worldwide. This is a significant trend that Czech market will follow soon. Czech internet e-commerce grows steeply gradually. Marketing company GfK Praha released research according to which 3 millions of Czech internet users made shopping payment on the web last year. This outstanding figure proves a growth in habit of using the internet for e-commerce purposes. Users reveal the real flexibility of the web which can offer not only information base but also mainly entertainment side. The worldwide tendency of digitalization shows convergence of the internet and home entertainment. It is clear that the direction of the internet will become the home medium centre soon. Web services such as TV, gaming, voice, data sharing are already on the net. It is clear that the internet business of intangible services is on the start and awaits its expansion. New services of this king will surely bring new demand for fast web payment solution.

There are many different ways to conduct a payment in today’s society. The most common ways to transfer money is by using bank transfer, credit and debit cards or e-wallets. Global and instant micropayments are however not possible using different e-wallets as endpoints. In this report, the authors try to find a feasible solution to this by using and combining the functionalities of two e-wallets by connecting them. Research is made on potential endpoint e-wallets and Swish and PayPal are selected to be used in the system. A distributed system model is built and an initial prototype is implemented based on wire transfers. The system is tested using a integration testing strategy and the performance of the prototype is validated by measuring the execution time of the system. The results from the unit and system tests are collected and the system is verified by passing all integration tests. It is concluded that there is a feasible solution for connecting the e-wallets and that even more e-wallets could be integrated into the system. Lastly, the authors discuss the project and future work. / Det finns många olika sätt att betala i dagens samhälle. De vanligaste sätten att överföra pengar är genom banköverföring, kredit- och kontokort eller elektroniska plånböcker. Globala och snabba mikrobetalningar är däremot inte möjliga med olika e-plånböcker som betalningssätt. I denna rapport försöker författarna hitta en möjlig lösning till detta genom att använda och kombinera funktionaliteten hos två e-plånböcker genom att ansluta dem. Undersökningar görs på potentiella e-plånböcker och Swish och PayPal blir valda för att användas i systemet. En distribuerad systemmodell är byggd och en initial prototyp implementeras baserat på trådbundna överföringar. Systemet testas med en enhetsteststrategi och prototypens prestanda valideras genom att mäta tiden av systemets utförande. Resultaten från enhets- och systemtester samlas in och systemet verifieras genom att klara alla enhetstester. Slutsatsen dras att det finns en möjlig lösning för att ansluta de elektroniska plånböckerna och att ännu fler elektroniska plånböcker kan integreras i systemet. Slutligen diskuterar författarna projektet och framtida arbete.

The monetary policies of states and systems built upon them do not naturally allow transactions of a very small value, as the transaction costs exceeds the actual value of the transaction. These types of transactions are called micropayments. This is problematic as it removes the possibility to monetize content that has a valuation that is so low that the costs of the transaction exceeds the value of the content. In this thesis we aim to create a system that allows micropayments to monetize low value content. We do so by developing a design theory based on Gregor and Jones conceptual model for design theories within Information Systems research. The system that we develop will use the end users computational power to generate a value, by running a cryptocurrency miner. We present the background knowledge required to fully understand the presented design theory. Within the design theory, we present a theoretical framework to base systems on that enables micropayments through cryptocurrency mining. We also present a developed proof of work prototype that proves the validity of the theoretical framework. Lastly we discuss our design theory. We conclude that the design theory enables transactions of a very low value, such as 0,0001 \$ cents. Transactions of such small value is not possible with systems built upon states monetary policies. We also conclude that the proposed design theory can be further developed to function independently of cryptocurrency mining. Instead the value for the transaction could be generated through solving complicated problems if institutions are willing to pay for computational power to solve them.

This diploma thesis is focused on new trends in payment systems for digital content. In the introductory chapter are briefly described the current types of electronic payment systems. The next part of the thesis introduces a foreign research studies and compares their results with results of the questionnaire survey conducted within the frame of the thesis. The following chapters are devoted to Czech and foreign electronic payment systems, focusing on the sale of digital content, the general development of the Czech micropayment systems and comparison of functionalities of the payment systems in order to compose a summary of recommendations for selected individuals involved in the field of electronic commerce. Following parts of this thesis are focused on the identification of the main trends in charging for Czech and foreign media content and presentation of the results of the questionnaire survey. The core of the work is to identify the main problems of the development of electronic payment systems, the identification of new trends in the pricing of media content and the summary of recommendations for the selected entities in the area of electronic commerce according to the knowledge gained in the diploma thesis.