Abstract:

By the present paper we want to present the evolution and the characteristics of the different modern electronic payment systems, trying to underline certain aspects concerning the architecture of the systems and the main actors that are involved in the transactions based on electronic payments. Also, we shall identify the present problems and risks regarding the electronic payments, as well as specific protection mechanisms. The paper also takes into account the transit to the electronic payments made within mobile environments and the accentuation of the main tendencies in the area.