Payment in internet shopping

Novac je sredstvo plaćanja još od davnih dana. Počevši od trampe, kovanog novca, papirnatog, pa sve do danas, elektronskog novca. Elektronički novac je jedan od načina ostvarivanja plaćanja na Internetu. U današnje doba ubrzanog razvoja informatičkih tehnologija, elektronički novac polako dobiva na značenju. Postoji više vrsta e-novca kao što su digitalne valute, kartično plaćanje, e-gotovina i mnogi drugi oblici. Osim poznavanje načina naplate putem Interneta vrlo je važno i poznavanje sigurnosti pri obavljanju financijskih transakcija. Provedenim empirijskim istraživanjem pokazalo se da je jedan od razloga nedovoljnog korištenja elektronskog novca njegova nesigurnost te nedovoljno poznavanje takvog sustava plaćanja. Postupci zaštite uključuju kriptiranje prometa između strana koje sudjeluju u novčanim transakcijama, provjeru autentičnosti obiju strana te sprječavanje zlouporabe sustava. Podlogu spomenutim postupcima pružaju kriptografski algoritmi te dodatno razvijeni protokoli koji osiguravaju zaštitu elektroničkog novca, kao i sudionika transakcija. Privatnost i autentičnost su bitne osobine elektroničkog sustava plaćanja.Since ancient days money is a means of payment. It started with a simple trade and evolved to coins, paper money and todays electronic money. Electronic money is one of the ways in which we can make our payments on the Internet. In today's era of fast evolving information tecnology, electronic money is slowly gaining importance. There are several types of e-money such as digital currencies, card payment, e-cash and many others. Besides from knowing the ways of payment via the Internet, it's also importnat to know how to safely carry out financial transactions. The conducted empirical research showed that one of the reasons for insufficient use of e-money lays in its uncertainty and not enough knowledge of its system of payment. Methods of protection include encrypting the traffic between the parties involved in cash transactions, checking the authenticity of both parties and preventing the abuse of the system. Procedures that help preventing the abuse of the system are cryptographic algorithms and many protocols which ensure the protection of electronic money, as well as participants in the transaction. Privacy and authenticity are important characteristics of electronic payment systems