Ödeme sistemlerinde gittikçe yaygınlaşan Internet üzerinden (online/mobil) ve temassız ödemeler, ödeme sistemlerinde kullanıcı deneyiminin ve bu sistemlerin kullanıcı dostu olmasının önemini göstermektedir. Akıllı saat gibi giyilebilir nesneler ve nesnelerin internetinin (NesNet) sunabileceği kullanıcı deneyiminin dijital ödemeleri devrimleştirmesi beklenmektedir. Bununla birlikte, NesNet’in güvenlik açıkları olduğu bilinmektedir. Bunun en önemli nedenlerinden biri NesNet’te genelde bulut tabanlı merkezi yapı kullanılmasıdır. NesNet’in merkezi yapıdan dağıtık yapıya geçişini sağlamak için ödeme altyapısı olarak dağıtık hesap defteri teknolojisi (DHT) kullanılabilir. Türkiye’de dijital ödemelerde DHT’nin NesNet ile birlikte kullanımı ile ilgili çalışmalar yeterli değildir ve, bilgimiz dahilinde, halihazırda ülkemiz hukuku ile uyumlu bir NesNet-DHT sistemi bulunmamaktadır. Bu makalede ülkemiz kanunlarına (Kişisel Veri Korunumu Kanunu ve Bilgi ve İletişim Tedbirleri Genelgesi) uygun olarak NesNet ve DHT ile güvenli dijital ödeme sistemleri tasarımında dikkat edilmesi gereken konular ve öneriler sunulmaktadır.
The increasingly prevalent Internet (online/mobile) and non-contact payments in payment systems indicate the importance of user experience in payment systems and that these systems are user-friendly. The user experience of wearable objects and objects like smart clocks (NesNet) is expected to revolutionize digital payments. However, it is known that NesNet has security faults. One of the most important reasons for this is the use of cloud-based central structure in NesNet. Distributed Accounting Technology (DHT) can be used as a payment infrastructure to ensure the transition of NesNet from the central structure to the distributed structure. Study on the use of DHT in digital payments with NesNet in Turkey is not sufficient and, within our knowledge, there is no NesNet-DHT system that is already in accordance with the law of our country. This article provides topics and recommendations to be taken into account in the design of secure digital payment systems with NesNet and DHT in accordance with our country’s laws (Personal Data Protection Act and General Information and Communication Measures).
The trending of internet (online/mobile) and contactless payments emphasizes the importance of consumer experience and user friendliness of digital payment systems. Due to the consumer experience they can provide, it is expected that wearables, such as smart watches, and Internet of Things (IoT) will revolutionize the digital payments landscape. However, IoT devices are known to have security vulnerabilities, one of the most important reasons being that IoT systems typically use centralized cloud-based infrastructures. In order to transform it to a distributed architecture, distributed ledger technology (DLT) can be leveraged as the payment infrastructure. Digital payments in Turkey using IoT and DLT is not a well-studied topic and, to the best of our knowledge, there currently does not exist a system that is fully compliant with local regulations. This paper studies the impact of local laws, including personal data protection law, information and communication precautions circular, on IoT payments via DLT and provides insights and recommendations in the system design of such digital payment systems compliant with local regulations.
Alan : Eğitim Bilimleri; Fen Bilimleri ve Matematik
Dergi Türü : Uluslararası
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