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In this paper, the authors propose an Internet payment system which uses a payment gateway to handle the credit card payment transaction between customers, merchants and banks. To test and evaluate the payment system, they build an online travel agency called E-Travel, which simulates a real-life E-Payment application. On-line travel services including flight reservation, selling of travel accessories, tour guides, and hotel reservation are provided in E-Travel. E-Travel makes use of the proposed payment system to handle the payments transferred between customers and merchants. They implement the payment model as well as E-Travel, and conduct performance evaluation on the payment system. The performance results show that the payment system is easy-to-use, secure, and cost-effective.
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