SECURITY ASPECTS OF ELECTRONIC PAYMENT

Elektronsko plačevanje predstavlja velik del plačevanja v vsakdanjem življenju. Gotovinsko plačevanje izgublja na popularnosti, pojavljajo pa se novi načini plačevanja po elektronski poti. Ti nam omogočajo hitrejše plačevanje, kjerkoli in kadarkoli, obenem pa nam nekateri načini omogočajo, da lažje spremljamo bilanco našega bančnega računa. Z razvojem tehnologij nismo več omejeni na fizične trgovine, ampak s pomočjo elektronskega plačevanja, čedalje bolj nakupujemo na spletu oziroma na daljavo. Tovrstno plačevanje nam je močno olajšalo vsakdanje življenje, vendar pa se pri elektronskem plačevanju pojavlja velik problem, in sicer možnost zlorab. Pri gotovinskem plačevanju je največja skrb fizična kraja denarja, pri elektronskem plačevanju pa so bolj sofisticirani načini zlorabe. V diplomski nalogi smo pregledali načine elektronskega plačevanja in najpogostejše vrste zlorab. Ugotovili smo, da lahko velik del zlorab preprečimo z lastnim odgovornim ravnanjem, saj lahko z ozaveščenostjo o tej tematiki prepoznamo sumljive stvari in se izognemo zlorabi, še preden bi se ta zgodila. Ob tem smo ugotovili, da je elektronsko plačevanje razmeroma varno, saj so varnostni mehanizmi elektronskega plačevanja na tako visokem nivoju, da se storilci kaznivega dejanja raje osredotočajo na napake in nepozornosti uporabnika, kot na samo zlorabo sistemov elektronskega plačevanja. Ključno pri elektronskem plačevanju je torej dobro poznavanje možnosti zlorab in pazljiva raba instrumentov elektronskega plačevanja, ki se nato skupaj z varnostnimi mehanizmi elektronskega plačevanja uspešno borijo proti storilcem kaznivih dejanj.Electronic payment represents major part of payment in everyday life. Cash payment is losing in popularity and new electronic payment methods are emerging. These enable us to pay faster, anytime and anywhere, and at the same time some methods even allow us to monitor our bank balance. With the development of technologies, we are no longer limited to the physical stores, but with the help of electronic payments, we are increasingly shopping online or at the distance. Such payments made everyday life much easier, however one major concern arises in using electronic payments and that is the possibilty of fraud. For cash payments, the biggest concern was physical theft, but in using electronic payment we are subjected to more sophisticated methods of fraud. In diploma work, we have examined electronic payment methods and most common types of fraud. We have found out that a large proportion of fraud can be prevented with self-responsible behaviour. With awareness we can identify suspicious things and avoid fraud before it happens. With this in mind, we have found out that electronic payments are relatively safe way of payment, because the security mechanisms are on such high level that perpetrators focus on the mistakes and carelessness of the users, rather than to abuse electronic payment systems. The key to electronic payments safety is therefore a good knowledge of possibilites of fraud and the careful use of electronic payment instruments. These two combined with electronic payment security mechanisms are then successfuly fighting against perpetrators