Activity-based payments: alternative (anonymous) online payment model

Rafał Leszczyna

doi:10.1007/s10207-024-00816-0

Activity-based payments: alternative (anonymous) online payment model

Abstract

Electronic payments are the cornerstone of web-based commerce. A steady decrease in cash usage has been observed, while various digital payment technologies are taking over. They process sensitive personal information raising concerns about its potentially illicit usage. Several payment models that confront this challenge have been proposed. They offer varying levels of anonymity and readiness for adoption. The aim of this study was to broaden the portfolio with a solution that assures the highest level of anonymity and is well applicable. An empirical design research study with prototyping and conceptual research with a proposed construct were employed for this purpose. As a result, the Activity-Based Payment (ABP) model was proposed. It introduces a different mode of completing a payment transaction based on performing specific activities on a web location indicated by the payee. The anonymity properties of the solution, as well as its performance and applicability have been evaluated showing its particular suitability to micropayment and small payment scenarios.