Razvoj usluge digitalnog novčanika

Abstract

Predmet istraživanja ovog rada je razvoj rešenja mobilnog bankarstva korišćenjem bežičnih tehnologija. Rad ima za cilj da prikaže dizajniranje i implementaciju usluge Digitalnog novčanika koja će krajnjim korisnicima omogućiti vršenje mobilnih plaćanja neposrednim prinošenjem mobilnog telefona POS terminalima. Proces plaćanja se izvršava upotrebom virtuelne platne kartice na mobilnom telefonu korisnika korišćenjem HCE tehnologije. Razvijeno rešenje predstavlja primer inovativnog poslovnog modela kroz integraciju mobilnog i bankarskog poslovanja. Usluga Digitalnog novčanika, nazvana Wave2Pay, zasnovana je na NFC tehnologiji koja se koristi za beskontaktna plaćanja. Nova Wave2Pay usluga je novi metod plaćanja i trebalo bi da doprinese povećanju nivoa digitalizacije bankarskog sistema u Srbiji.

The subject of this paper is the development of mobile banking solution using wireless technologies. The aim of this paper is to present the design and implementation of the Digital wallet service that will provide the end users with the option to make mobile payments by putting mobile phone near POS terminals. The payment process is executed with virtual payment cards on user's mobile phone using HCE technology. This developed solution is an example of a new business model through the integration of mobile and banking operations. The Digital Wallet service, named Wave2Pay, is based on the NFC technology which is used for contactless payments. The new Wave2Pay service is the new payment method that is likely to contribute in increasing the level of digitalization of the banking system in Serbia.