No abstract

E-commerce has witnessed a considerable growth during last years which has created new financial needs and new payment scenarios. But despite this growth, not all payment instruments are online yet and bank payment card (credit cards, smart cards) still the primary mean of online payment today. Obviously, this is related to many payment system integration problems therefore merchants can not accept easily a new payment instrument instead of the bank card. In this paper we propose a new way to integrate a payment system that resolves many integration issues while guaranteeing payment system requirements.