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ST.
VINCENT COLLEGE OF CABUYAO

College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna
Bachelor of Science in Information Technology
St. Vincent College of Cabuyao E-Payment System

TITLE:
Members:
Balbis, Jay C.
Pega, John Reynante
Manangkil,Frederick T.
Endorsed by: Submitted by:
ENGR.ZYRIX RYAN U. FAGELA Balbis,Jay C

MIT, CcPe Pega,John Reynante
Manangkil,Frederick T
Research Professor
(Signature over printed name)
Date:
Student
Date:
JAY C. BALBIS
Student Student
Date: Date:
FREDERICK T MANANGKIL JOHN REYNANTE PEGA
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ST. VINCENT COLLEGE OF CABUYAO
CHAPTER 1
INTRODUCTION
In an era characterized by rapid technological advancements and the
digitization of various aspects of our lives, electronic payment systems, often
abbreviated as e-payment systems, have emerged as a cornerstone of modern
financial transactions. These systems have revolutionized the way we conduct
business, purchase goods and services, and transfer funds across the globe.
An e-payment system encompasses a range of electronic mechanisms
designed to facilitate secure and efficient monetary transactions between
individuals, businesses, and institutions. By leveraging the power of the internet
and digital technologies, e-payment systems offer a convenient and seamless
alternative to traditional cash-based transactions and paper-based methods like
checks.
The core principle underlying e-payment systems is the conversion of real-
world currency into its digital equivalent, allowing for transactions to occur
electronically. This can take various forms, including credit and debit card
transactions, mobile payment apps, online banking transfers, digital wallets, and
cryptocurrency transactions. Each of these methods comes with its own set of
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features, benefits, and security measures, catering to diverse consumer
preferences and technological infrastructures.
The proliferation of e-payment systems has not only transformed the way
commerce is conducted but has also contributed to financial inclusion by providing
access to banking and financial services for individuals who previously lacked
such opportunities. Moreover, businesses and governments have embraced these
systems for their efficiency in reducing the administrative burden associated with
traditional payment methods, enabling them to allocate resources more effectively.
However, as e-payment systems become increasingly integral to our daily lives,
concerns surrounding security, privacy, and the potential for digital fraud have also
grown. The development of robust encryption technologies, multi-factor
authentication, and stringent security protocols has been essential in addressing
these concerns and building trust in e-payment systems.
In this age of connectivity and convenience, the evolution of e-payment
systems continues to shape the way we handle financial transactions, driving
innovation and reshaping the landscape of global commerce. As we delve deeper
into the intricate workings and broader implications of e-payment systems, it
becomes evident that this technological revolution is more than just a change in
how we pay – it's a fundamental shift that impacts economies, societies, and
individuals on a profound level.
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Background of Study
In the ever-evolving landscape of technology-driven financial services, the
emergence and rapid adoption of electronic payment systems (e-payment
systems) have marked a significant paradigm shift. These systems have garnered
immense attention from researchers, policymakers, businesses, and consumers
alike due to their transformative impact on financial transactions, consumer
behavior, and the broader economy. The journey towards e-payment systems
began with the rise of digital technologies and the proliferation of the internet in the
late 20th century. Traditional methods of payment, relying on physical currency
and paper-based checks, faced limitations in terms of speed, security, and
efficiency, especially in a globalized world where transactions spanned
geographical boundaries. This created a pressing need for innovative solutions
that could transcend these limitations and offer seamless, secure, and convenient
means of transferring value.
As a response to these challenges, researchers and entrepreneurs explored
various electronic payment mechanisms. The introduction of credit and debit card
systems in the 1950s laid the foundation for cashless transactions. However, it
was the subsequent integration of point-of-sale (POS) terminals, online banking,
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and the development of secure digital communication protocols that paved the
way for more sophisticated e-payment systems.
The emergence of e-commerce platforms in the 1990s acted as a catalyst for the
widespread adoption of e-payment systems. Online shopping necessitated secure
methods of making payments over the internet, leading to the development of
secure socket layer (SSL) encryption and the establishment of trusted third-party
payment processors. This period also witnessed the birth of digital wallets and
electronic funds transfer systems, enabling users to store their financial
information securely and conduct transactions with ease.
The early 21st century witnessed a further evolution with the advent of mobile
technologies. The rise of smartphones and mobile apps enabled the development
of mobile payment solutions, allowing users to make transactions using their
mobile devices. Additionally, the conceptualization and subsequent realization of
blockchain technology led to the creation of cryptocurrencies like Bitcoin, which
introduced the concept of decentralized digital currencies and revolutionized the
financial industry.
Amidst these advancements, researchers started delving into the intricacies of e-
payment systems from various angles. They explored the economic implications,
studying the effects of e-payment adoption on economic growth, inflation, and
financial inclusion. Technological aspects were also under scrutiny, with
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researchers investigating the security measures, authentication protocols, and
encryption methods employed to safeguard sensitive financial data in e-payment
transactions.
Consumer behavior and preferences formed another crucial focus area. Studies
examined factors influencing users' adoption of e-payment systems, including
perceived security, ease of use, trust in technology, and familiarity with the system.
Researchers also explored the challenges and barriers faced by consumers, such
as concerns about privacy breaches, digital illiteracy, and disparities in
technological infrastructure.
From a regulatory and policy perspective, governments and international
organizations recognized the need to adapt existing legal frameworks to
accommodate the unique features of e-payment systems. Research in this domain
explored issues related to cybersecurity regulations, consumer protection, cross-
border transactions, and the taxation of digital transactions.
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STATEMENT OF THE PROBLEMS
This study aims to investigate the implications of adopting electronic
payment methods at Saint Vincent College of Cabuyao, focusing on their impact
on the payment processes and considering factors influencing their adoption.
1. Data Inaccuracy and Error-Prone Transactions: The reliance on manual
data entry and record-keeping often leads to data inaccuracies, which can cause
disputes, delays, and confusion among students and administrative personnel.
2. Limited Payment Options: The college currently offers limited payment
options, hindering convenience and accessibility for students. The lack of online
payment methods or electronic wallets limits students' ability to make payments
securely and conveniently.
3. Lack of Transparency: The absence of real-time tracking and notifications
makes it difficult for students to monitor their payment statuses and for the college
to provide accurate and timely financial reports.
4. Security Concerns: With the rise of cyber threats, the current payment
system may be vulnerable to security breaches and data theft, potentially
compromising sensitive financial information.

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5. Inconsistent User Experience: Different departments within the college may
have varying payment processes and requirements, leading to inconsistencies and
confusion for students, guardians, and staff members.
OBJECTIVES (General and specific)
This study's goal is to investigate the possibilities and problems related to
the use of Electronic Payment methods in Saint Vincent College of cabuyao that
has an impact on Students ' use of various current electronic payment methods.
The particular goals to look at the contributing affect the uptake of electronic
payment systems.
(1) Streamline the payment process by providing a quick and convenient
method for students, parents, and guardians to make various payments, such as
tuition fees, event fees, and extracurricular activity charges.To make it easier to
pay and to avoid the long queue.
(2) Provide real-time access to payment records and financial transactions,
ensuring that parents, administrators, and relevant stakeholders can easily track
and verify payments made by students.
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(3) Offer stakeholders the flexibility to make payments at any time and from
anywhere using digital devices, reducing the need to visit the school in person or
handle physical cash.
(4) Generate accurate and up-to-date financial reports for administrators, helping
them to monitor revenue streams, track outstanding payments, and make informed
financial decisions.
Manageability (Scope and limitations)
In general, the focus of this study is directed towards the design and
development of a Student’s Payment record System of St. Vincent College of
Cabuyao with its Parents, Admins, School food entrepreneur and Student’s are
selected. The system will be use in to:
a. To monitor the Payment transaction.
b. Reliable and faster way to pay with a simple monitoring system for verification.
c. Display the updated Payment transactions.
d. Display the all transaction on cashier.
e. Generate the payment methods of school.
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Limitation of the Study
For its limitation, the study is limited only on the Student’s transaction
payment. The system is intended to the persons who have direct involvement in
the transaction and monitoring payment of student’s. These are the following:
PARENT: they are being an in-charge to keep track of their kids' school expenses
and tuition payments. they must have been trained and oriented in the system to
use them correctly.
STUDENT:They will deposit the cash supplied to them by their parents into Saint
Vincent College of Cabuyao's electronic payment system.
ADMIN:in the absence of Parent, School food entrepreneur and student’s in-
charge they must take over the steps by steps of using a e-payment system.
System function must be explained and demonstrated to them properly.
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SIGNIFICANT OF STUDY
The outcome of the study will be the definition of the Digital Appointment
System of Identification Card for college students in St. Vincent College of
Cabuyao. The findings of this study will be a great help to the following:
STUDENT: Students at Saint Vincent College of Cabuyao face delays and
inconveniences with manual payment methods, especially during peak periods.
They need a more flexible and streamlined payment process for various expenses,
such as tuition fees and event charges.
PARENTS AND GUARDIANS: Parents and guardians experience financial
planning challenges due to insufficient communication of payment due dates.
They also require a user-friendly payment platform to actively manage their child's
educational expenses.
Administrators and Relevant Stakeholders: Administrators struggle with
inaccurate financial tracking and outdated reporting methods. They need improved
financial transparency and security in the evolving digital payment landscape.
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DEFINITION OF TERMS
Listed below are the terms used by the proponents to have a better understanding
of the research, the following terms are a combination of conceptual defines:
Operational Terms
Account Registration: Account registration involves the process where
students, parents, or stakeholders create personal user accounts within the E-
payment system to access and manage their financial transactions and payment
history.
Bill Generation: Bill generation refers to the automated process within the
E-payment system that creates electronic invoices or bills for students, detailing
their tuition fees, miscellaneous charges, and payment due dates.
Payment Submission: Payment submission involves users making
electronic payments through various methods, such as credit cards, debit cards,
bank transfers, or electronic wallets, to settle their financial obligations within the
E-payment system.
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Payment Confirmation: Payment confirmation is the step where the E-
payment system verifies and acknowledges the successful receipt of funds,
ensuring that the payment has been recorded accurately.
Payment Receipt Generation: The E-payment system generates digital
payment receipts for users, confirming the completion of their transactions. These
receipts are usually sent to users via email or can be downloaded from their
accounts.
Transaction History: Users can access their transaction history within the
E-payment system, allowing them to view past payments, charges, and their
payment status for various academic terms.
Fee Management: Fee management involves the administrative aspect of
the E-payment system, where authorized personnel can configure, update, and
manage tuition fee structures, discounts, and miscellaneous charges.
Due Date Reminders: The system can send automated due date
reminders to users, notifying them of impending payment deadlines to ensure
timely payments.
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Refund Processing: In cases of over payments or refunds, the E-payment
system handles the refund process, including verifying the request, processing the
refund, and updating the user's account accordingly.
Reporting and Analytics: The E-payment system generates reports and
analytics that provide insights into financial transactions, allowing administrators to
track revenue, identify trends, and make data-driven decisions.
Security Protocols: Security protocols are implemented within the E-
payment system to protect sensitive user data, ensuring secure payment
processing, data encryption, and protection against unauthorized access or cyber
threats.
User Support and Help desk: The system includes user support and a
help desk feature to assist students, parents, and stakeholders with any issues,
inquiries, or technical assistance related to the E-payment system.
Data Backup and Recovery: Regular data backup and recovery
procedures are in place to safeguard transaction records and ensure data integrity
in case of system failures or data loss.
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Audit Trails: Audit trails within the system record all user activities and
system events, providing an audit trail for tracking changes, troubleshooting, and
monitoring system usage.
Technical Terms
Payment Gateway Integration: Payment gateway integration involves the
process of connecting the E-payment system with external payment gateways
(e.g., PayPal, Gcash, or a bank's gateway) to facilitate secure online payments
and transaction processing.
API (Application Programming Interface): APIs allow the E-payment
system to communicate with other software systems, enabling features like real-
time payment verification and data synchronization with external databases.
Database: A container where digital data and information are stored,
organized, and secured.
Digital: Characterized by electronic and especially computerized
technology.
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HTM: A text-based approach to describing how content contained within an
HTML file is structured. This markup tells a web browser how to display text,
images, and other forms of multimedia on a webpage.
Programming: A process of constructing a system and function with the
use of a programming language and console.
Encryption: Encryption is the process of encoding sensitive data to protect
it from unauthorized access. The E-payment system uses encryption protocols
(e.g., SSL/TLS) to secure data during transmission and storage.
Tokenization: Tokenization replaces sensitive payment data (e.g., credit
card numbers) with tokens, ensuring that the actual data is not stored within the
system, enhancing security and compliance with data protection regulations.
Payment Processor: A payment processor is a third-party service
responsible for authorizing and processing credit card and electronic payment
transactions within the E-payment system.
Load Balancing: Load balancing distributes incoming network traffic
across multiple servers or resources to ensure optimal performance, scalability,
and redundancy within the E-payment system.
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Multi-factor Authentication (MFA): MFA is a security measure that
requires users to provide multiple forms of authentication, such as a password and
a one-time code sent to their mobile device, to access the E-payment system.
Web: A common name for the World Wide Web, a subset of the Internet
consisting of the pages that can be accessed by a Web browser.
XAMPP: Abbreviation for cross-platform, Apache, MySQL, PHP, and Perl,
and it allows you to build WordPress sites offline, on a local web server on your
computer.
Visual Studio Code (VS Code): Serves as a versatile and feature-rich
code editor and integrated development environment (IDE) that helps developers
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CHAPTER 2
REVIEW OF RELATED LITERATURE
FOREIGN STUDY
Fatonah, S , Yulandari, A., & Wibowo, F. W. (2018), the use of technology
in contemporary banking services, such as electronic payment systems, improves
banking performance and increases efficiency while enabling quick and accurate
execution of a variety of tasks. electronic payments are a type of payment method
that does not utilize currency but instead uses electronic media. electronic
payment systems are also a form of inter-organizational data relating to
transaction systems, connecting different associations, and connecting to specific
clients. complex interactions between relationships, technology, and the
environment are necessary. electronic payments may be defined as an electronic
value transfer of a payment from the payer to the recipient through an electronic
payment mechanism. in general, e-payment refers to electronic payment in the
context of e-commerce online transactions conducted over the internet. electronic
payments can also be defined as a paperless payment process.
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Mr. Md Arif Hassan, Zarina Shukur, Mohammad Kamrul Hasan, Ahmed
Salih Al-Khaleefa (2020), due to the growing popularity of online banking and
shopping, the electronic payment system has been expanding steadily over the
past few years. electronic transfers are financial exchanges that happen between
customers and merchants. worldwide, the internet is constantly used by millions of
users to make a variety of payments. these trading materials can be thought of as
a form of electronic money. due to their crucial role in modern electronic
commerce, electronic payment systems have attracted a lot of attention during the
last two decades.
Accoding To Aman Bisht (2023), the advent of online payment systems and
digital wallets has revolutionized the way we pay for goods and services. from
buying groceries to paying rent, people increasingly rely on these technologies to
make transactions quicker and more secure. schools and universities can securely
collect and send payment information from parents, students, and educational
institutions via online payment systems, such as payment gateways. the manner
that colleges and universities handle money has been transformed by online
payment systems. for instance, payment gateways are payment software
programs that authorize and handle credit or debit card payments. by using these
gateways, parents, students, and the educational institution can securely collect
and transfer payment information across schools and universities.
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Go Schooler, Benefits Of Online Fee Payment For School (2021), one of
the technological developments we currently benefit from is online payments. the
education sector is one of the many fields where it is used. let's now discuss the
advantages of online fee payments for schools.
the way we conduct our daily lives has altered as a result of technology. it has
impacted everything from getting out of bed in the morning to doing chores in the
afternoon to choosing what to eat. it seeks to enhance and facilitate our lives.
Liu, R., Wu, J. And Yu-Buck, G.F. (2021) this study contrasts the impact of
the autonomous vs. dependent qr code payment methods on payment pleasure,
the mechanism, and the boundary condition in the context of mobile payments,
drawing on the self-determination theory. these findings contribute to the literature
on mobile payment and payment experience. also provide insight to merchants
when they select an appropriate payment method and manage the customer
payment experience.
Li-Ya Yan , Garry Wei-Tan, Xiu-Ming Loh, Jun-Jie Hew,Keng-Boon Ooi,
(2021), the aim of this study was created in response to the growing use of qr
codes for mobile payments in the retail sector. the effects of ptc on mu and mu on
bi, as expected, are both favorable and substantial, supporting h3 and h1,
respectively. overall, these findings demonstrate that the more advantages
provided to consumers, the more likely it is that they will adopt qr code mobile
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payments. convenience is only one of the advantages. this is so that customers
may save time and engage in other activities by skipping fewer lines when they
wish to make payments.
Ming Tu1, Lei Wu2. Hua Wan, Zhoujin Ding1, Zizheng Guo And Jiayi Chen,
(2022), this study examines the interaction between the external environment and
the internal psychological appraisal of consumers to investigate the process of
adoption of qr code mobile payment by applying and validating social learning
theory in the mobile payment context. overall, this study not only provides a
theoretical assessment of the adoption of qr code mobile payment during the
covid-19 pandemic but also has managerial implications for companies wishing to
expand qr code mobile payment to respond to disease outbreaks.
According To Myedu, (2021), the digital payment system in educational
institutions benefits both parents and administrators. it enables parents to pay their
children’s fees on time, at their convenience, and download the fee receipts and all
previous transactions. it enables institutions and administrators to keep the money
safe, save time, and move towards paperless office work. at myedu, we provide a
digital payment system integrated with our school management software that will
transform your institution. reach out to us today to know how we can help you with
our solution.
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Mobile Payments, Cashless Society And Regulatory Challenges (Lerung
Lu, 2018), recent years have seen the so-called "fintech revolution" in the financial
sector. the conventional financial industry's environment has undergone significant
change as a result of the development of information technologies including cloud
computing, big data, blockchain, and artificial intelligence. the symbiotic
relationship between finance and technology has given rise to a number of
innovative financial services and products, including online peer-to-peer lending,
digital banking, insurtech, bitcoin, and the rapidly growing mobile payment
market.an excellent illustration of the current fintech revolution and how it is
upending the traditional retail banking model and payment sector is ant financial,
the mobile payment service division of the ant financial services group (hence
referred to as ant financial).
Nathan Berg, Jeong-Yoo Kim (2021), consumers must register online,
gather official identification documents, obtain a passport photo, go in person to an
authentication service provider who has been approved, and spend time and
money acquiring e-identification in order to use payment-system security
technologies in online transactions. it is crucial to acknowledge the truth because
sellers cannot overlook the difficulty for customers when determining the security
degree of their systems, even though past research on internet security have not
expressly taken the expenses of consumers identifying themselves into account.
buyers, however, are likely to favor lesser levels of security than sellers would
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desire because they do not take into account the favorable externality that their
usage of the authentication method provides for the seller.
LOCAL STUDY
Xendit, “E-Wallets In The Philippines: Usage And Business Trends” (2022),
one of the first countries in the area to use digital payments was the philippines.
mobile money was introduced to the nation in 2001. e-wallets, also known as
electronic wallets or digital wallets, are essentially computerized versions of
physical wallets. e-wallet signup is simple in the philippines. just a cellphone
number and a legitimate id are required to register for an e-wallet. then, using the
saved bank account information, you may top up or load your e-wallet. once
completed, you may use your e-wallet to send and receive money, make
purchases and pay bills, and even invest.
Keyzom Ngodup Massally, Rodrigo Mejia Ricart (2019), the bangko sentral
ng pilipinas (bsp) and the philippine government recognize digital payments as a
policy priority to enable filipinos to seize the opportunities of the digital revolution.
the philippines was a global early-mover in digital payments, with the launch of
mobile money in 2001. however, as in most countries, the path to widespread
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adoption and usage has not been straightforward. the first better than cash
alliance diagnostic on the state of digital payments in the philippines (released in
2015) found that adoption had been limited. the first diagnostic estimated that the
share of digital payments in the philippines was only about 1% by volume (26
million out of 2.5 billion payments per month). recognizing that digital payments
are an enabler and driver of digital transformation, the bsp set a target of driving
the share of digital payments to 20% by 2020. the bsp considers that 20% could
be the tipping point, after which the country could expect faster growth in digital
payments.
Acopiado, Sarmiento, Romo And Acuna (2022), organizations in the
philippines must transition to using digital technologies in order to recover from the
covid-19 outbreak. they can carry on with business as usual thanks to this
invention. one of the popular company recovery strategies that the government
supports is the use of digital payments.
Cenda And,Palaoag (2022), cashless payment in educational environment
among developed countries have been one of the norms to improving payment
services. the main objective of the study was to explore the potential adoption and
acceptance of a designed digital payment framework for higher educational
institutions in the philippines to improve the payment services, utilize the use of
student id and solve behavioural issues of students in settling their school fees by
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converting student id into smart id. a combination of qualitative and quantitative
method was applied to present the data and findings.
Hernandez, Escolano, Escolano, Elvambuena (2022), with the emergence
of technology-based solutions, small and medium enterprises adopt mobile
payments in their business transactions. mobile payment is an alternative
business solution for financial services that can be accessed using mobile devices.
it removes the traditional physical contact between the owner and the customers
whenever payments are made. moreover, organizations implement this mobile
payment to increase the efficient delivery of business services. presently, mobile
payment attracts business organizations as digital information has become an
integral part of industrial revolution 4.0.
Rina Marie M. Espeleta (2022), electronic payment systems, the transfer of
funds through electronic or digital mediums. several electronic payment options
are available, including mobile wallets, bank cards, and mobile banking. electronic
payments are quick and efficient, and the fund transfer occurs instantly. electronic
payments are quickly gaining popularity in the philippines, giving students a secure
and practical means to pay for enrolment fees and other educational costs as
schools adopt alternative learning techniques.
Lastrollo And Sorio (2023), electronic payment progressed beyond its
original purpose of making purchases and other monetary transactions more
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convenient than traditional methods worldwide. today, e-payments has become a
stress-free, quick, and simple payment method, allowing businesses and
consumers to achieve higher cash flow and operate smoothly. e-payment
providers have provided contactless payment cards for daily purchases and
transactions by filipinos. to begin, coins.ph provided a beep card for transportation
and retail purchases at wendy's, familymart, and ministops (coins.ph, 2021).
Bismonte, Bufete, Cabanes, Martinez (2021), technological innovation
leads to globalizations. online cashiering has decisively changed conventional
payment techniques into a more efficient and useful manner that does not rely on
the cash-and-carry habit. online cashiering has become more popular than
traditional money-based transactions as a result of the de facto shifting of financial
transactions to a faster and more secure access to funds. internet payment
systems provide a wide range of financial advantages in addition to ease and
safety.
Moneymax Editorial Team (2021), electronic or digital transactions have
become a part of the new normal. the pandemic has led to the increase in digital
transactions, with businesses offering goods and services online and consumers
paying for them through bank transfers, mobile wallets, and scanning a qr code in
the philippines.thus, buying and selling transactions are slowly moving away from
cash payments and gradually being replaced by qr code payment (also called
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scan to pay), which is considered faster, easier, and a lot more accurate. in fact,
the value of qr code transactions in the philippines has reached almost php 1
billion as of may 2021.
Joann Villanueca (2021), bangko sentral ng pilipinas (bsp) governor
benjamin diokno is optimistic that the central bank’s bid to further increase
electronic payment transactions in the country despite the internet connectivity
issue can be boosted by a payment system using the quick response (qr) code.
27
Foreign Study
https://iopscience.iop.org/article/10.1088/1742-6596/1140/1/012033/pdf
https://www.mdpi.com/2073-8994/12/8/1344
https://www.schoolcues.com/blog/the-future-of-school-payments-emerging-trends-benefits/
https://goschooler.com/benefits-of-online-fee-payment-for-schools/
https://www.emerald.com/insight/content/doi/10.1108/IJBM-11-2020-0574/full/html
https://www.sciencedirect.com/science/article/pii/S0969698920313084
https://www.frontiersin.org/articles/10.3389/fpsyg.2021.798199/full
https://www.myeducomm.com/blog/9-advantages-of-digital-payment-system-in-educational-
institutions/
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3103751
https://www.sciencedirect.com/science/article/abs/pii/S0264999322000517
Local Study
https://www.xendit.co/en-ph/blog/e-wallet-payments-usage-and-trends-in-the-philippines/
https://iopscience.iop.org/article/10.1088/1757-899X/803/1/012045/pdf
https://btca-production-site.s3.amazonaws.com/documents/436/english_attachments/
The_State_of_Digital_Payments_in_the_Philippines.pdf?
1577119102&fbclid=IwAR0COKjL1GrB1PoB3_fPvFyZ7CdJ3lkThEc9XIGG_95fycue7qQDiUWCK50
https://www.researchgate.net/publication/
362780624_Digital_Payment_Adoption_during_the_COVID-19_Pandemic_in_the_Philippines
28

https://www.researchgate.net/publication/
362278992_Mobile_Payments_Adoption_in_Small_and_Medium_Retail_Enterprises_An_Explorat
ory_Study_in_Manila_Philippines
Utilization of Standard Electronic Payment System among Private Higher Education Institutions in
the Province of Albay | JPAIR Multidisciplinary Research (philair.ph)
2-payment-scheme-YrDLy9gzPLUeE6kJ.pdf
Capstone_UIIS_Development_of_Online_Cashiering_Queueing_System_in_CSPC_1_-libre.pdf
(d1wqtxts1xzle7.cloudfront.net)
Using QR Code in the Philippines for Digital Payments: A Simple Guide (moneymax.ph)
Advantages of using QR PH for e-payments cited | Philippine News Agency (pna.gov.ph)
29
figure 2.0
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Conceptual Framework
Information collecting is the first crucial step in the creation of the Electronic
Payment Management System at ST Vincent College of Cabuyao. Understanding
the particular demands and requirements of the educational institution is crucial
during this time. It includes the gathering of crucial information, such as system
requirements, user expectations, and any current organizational and financial
frameworks. The architecture and structure of the system are also included in the
information gathering phase, which is an iterative procedure comprising
documentation, questions, and the construction of thorough diagrams. The system
is designed specifically to satisfy the needs of the college during this phase, which
also acts as the project's cornerstone.
The Electronic Payment Management System takes shape during the project's
development and implementation phases. Both hardware and software
components are included in this level. On the software side, it includes using
development tools like XAMPP as well as picking the right programming
languages, such C# and PHP. Here are designed, coded, and tested the system
architecture, user interfaces, and functionality. It necessitates the configuration of
reliable hardware elements, such as a CPU with precise specs and sufficient
storage capacity. The hardware configuration has a big impact on how well the
system performs. A functioning and effective payment management system is
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created through the integration of the software and hardware during the
development and implementation phases.
The final stage includes two key elements. The ST Vincent College of Cabuyao
Electronic Payment Management System itself is the first result. This is the
project's culmination—a fully operational system that improves control and
efficiency, streamlines financial operations, and offers a variety of services to the
college community. Second, the assessment component is essential for
determining how well the system performs and how well it adheres to the original
criteria and objectives. Testing, user input, and performance analysis are all part of
it. This assessment guarantees that the system effectively satisfies the demands
of the college and that any required modifications or adjustments are found and
made. The payment management system's continuous success and relevance
depend on this iterative feedback loop.
CHAPTER 3
We used the Rapid Application Development (RAD) methodology to ensure a
simplified process from requirement planning to user design, building, and
deployment when creating the St. Vincent College of Cabuyao Electronic Payment
System.
32
figure 2.1
Our journey begins with Requirement Planning, the essential foundation for our
Electronic Payment System. Just as any successful space mission requires
precise planning, we delve into understanding the objectives and functionalities of
the system for St. Vincent College of Cabuyao. This phase involves conducting
surveys and interviews with key stakeholders, including students, parents,
administrators, and school staff. By gathering their valuable input and feedback,
we identify the specific requirements and objectives of the system. Additionally, a
detailed analysis helps us uncover challenges and issues in the existing payment
system, providing the necessary insights for system improvement.
33
We enter the user design process after gathering the requirements. Consider this
as creating the cabin of our spacecraft with the comfort of the astronauts in mind.
We assess and examine the information collected from surveys and interviews in
this section. The numerous scenarios and conditions that the electronic payment
system should successfully handle are formulated by our development team. This
stage focuses on maximizing the system's advantages while proactively correcting
any shortcomings that have been found. As appropriate data and procedures are
chosen and prepared for the construction of the cloud-based library system model,
unnecessary data or entities that do not support the system's goals are discarded.
34
The Construction phase is the subsequent stage. developing the electronic
payment system is comparable to developing a spacecraft in our case. Here, we
apply RAD concepts with a focus on incremental and iterative development. With
this strategy, the system may be improved while consistently taking user feedback
into account and developing its fundamental features and functionalities. To make
sure the system works as intended and upholds security standards, stringent
testing and quality assurance procedures are used. This stage corresponds with
building a spacecraft to make sure it functions securely and effectively in space.
Implementation is the last stage. We either launch our spacecraft here, or in our
case, we put the electronic payment mechanism into place. The journey's
conclusion has arrived. By applying RAD concepts throughout this phase, the
development team is better able to quickly react to shifting requirements and user
needs, improving the system's overall effectiveness and efficiency. This is in line
with the last step in launching a spacecraft and assuring its efficient operation.
35

To sum up, we took a structured approach to creating the St. Vincent College of
Cabuyao Electronic Payment System. We began with requirement planning to
understand the goals and requirements, then moved on to user design for the best
functionality, construction for effective development, and implementation for
successful operation. Each step is meticulously carried out to make sure the
system satisfies the requirements of the college and offers a seamless user
experience.
Technical Survey
Question SA A U D SD
(5) (4) (3) (2) (1)
A.In terms of Functional Suitabily
1.Our system or product effectively meets its

intended functional requirements.
2.Our system or product effectively meets its
intended functional requirements.
B.In Terms of Reliability
1.Reliability is a crucial aspect of our system or

product.
2.Our system or product has measures in place to
enhance its reliability.
3.We have experienced reliability issues in the
past that were adequately addressed.
36
C.In Terms of Compatibility
1.Our system or product is designed to be

compatible with various hardware, software, or
systems.
2.We follow compatibility standards or guidelines
to ensure smooth interactions with other systems.
3.We have encountered compatibility issues that
have been effectively resolved.
D.In Terms of Usability
1.Our system or product is user-friendly and easy

to use.
2.Usability testing and user feedback play a
significant role in improving our system or product
3.We have made design or functionality changes
based on user feedback and usability studies.
E.In Terms of Performance Efficiency
1.Our system or product consistently meets its

performance benchmarks and goals.
2.Efforts have been made to optimize the
performance efficiency of our system or product
while maintaining functionality and reliability.
3.We have encountered performance bottlenecks
or challenges that have been effectively
addressed.
F.In Terms Of Maintainability
1.Our system or product is designed to be easily

maintainable and updateable over time.
2. There are maintenance schedules or
procedures in place to ensure the ongoing
maintenance of our system or product
3.We have experienced maintainability issues in
the past that were adequately addressed.
G.In Terms of Security
1.Security is a top priority for our system or

product.
37
2.Our system or product has robust security

measures and protocols in place to protect
against potential threats and vulnerabilities.
3.Security updates and patching are handled
promptly and effectively for our system or product.
H.In Terms of Portbility
1.Our system or product is designed to be easily

portable to different platforms or environments as
needed.
2.We follow specific portability standards or
guidelines to ensure compatibility across various
platforms or environments.
3.Portability challenges have been effectively
addressed in the past when transitioning our
system or product to different platforms or
environments.
38
Non-Technical Survey
Question SA A U D SD
(5) (4) (3) (2) (1)
A. In Terms of Functional Suitability
1. Functional Validity Property

2. Is The System Simple To Use?
3. Does The System Produce A Report On The
School Clinic Every Month?
4. Is The System Capable Of Carrying Out
Every Task?
B. In Terms of Reliability
1. If A Problem Arises, Can The System Deliver

The Quality Of Service?
2. Will The System Be Able To Recover
Deleted Information?
3. If A Failure Happens, Can The System
Display Error Messages?
C. In Terms of Compatibility
1. Is The System Capable Of Exchanging Data

With Other Systems In Order To Offer Better
Service?
2. Does The System Function With Any Web
Browser?
D. In Terms of Usability
1. Is It Simple To Comprehend How The

System Interface Works?
2. Is It Simple To Use Or Control The System?
3. Are The System's Information Design And
Function Appropriate?
39
E. In Terms of Performance Efficiency
1. Can The System Continue To Work Correctly

And Precisely For A Long Time?
2. Does The System Have The Ability To
Maintain Information Privacy?
F. In Terms of Maintainability

Safeguard Both Old And New Records?
2. Can You Still Utilize The System If Anything
Changes Without Affecting Other Features?
3. Can The System Maintain The Privacy Of
The Information?
G. In Terms of Security
1. Can The System Guard Against

Unauthorized Entry?
Protect Sensitive Information?
3. Does The System Have The Ability To Fake
Information Hacking?
H. In Terms of Portability
1. Does The System Work With Other Devices?

2. Does The System Work With A Variety Of
Gadgets?
3. Is The System Simple To Install And Remove
The Required Software?
Case Diagram
40
figure 2.2
The project aims to develop a comprehensive system for an educational institution,
involving various user roles such as admin, student, canteen staff, faculty, and
parents. The system includes functionalities for user account management,
encompassing login and signup features for all users, with specialized admin login
and admin signup options. Additionally, users can view payment history/record,
manage the canteen menu/prices (accessible to canteen staff and admin), and
perform payment/transaction operations. The admin is responsible for creating and
editing accounts, while all users can access their payment history. A use case
diagram (Figure 1) visually represents the interactions and relationships between
the mentioned user roles and system functionalities. This design provides a
41

foundation for research and system development tailored to the needs of the
educational institution, enhancing user experiences and efficient management.
Project Development
During the construction of the project system, the following step-by-step
procedures were carried out.
Hardware Development
Server:
1.1 AMD Athlon 200GE with Radeon Vega Graphics 3.20 GHz
1.2 BenQ SensEye 3 E2220HD 21.5″ LCD FHD (1080p)
1.3 NEC LCD-AS223WM 21.5-inch Wide LCD Display (1080p)
1.4 Seagate Barracuda 1TB Internal Hard Drive HDD 3.5
1.5 Dark Alien K710 RGB Hot-Swappable Mechanical Gaming Keyboard
1.6 Razer Deathadder Mouse
1.7 A4tech ANTI-GLARE WEBCAM (PK-635G)
1.8 Radeon MSI RX 570 ARMOR 4G
1.9 Secure 220v/ 500w Automatic Voltage Regulator
Software Development
42

● Develop the Android app with user account management, payment
features, and user interfaces using Java/Kotlin and XML for Android Studio.
● Create the web component with canteen menu management using HTML,
CSS, and JavaScript in Visual Studio Code.
● Set up a MySQL database using XAMPP and establish database
connectivity for both the app and web component.
● Perform rigorous testing, including functional, usability, and security testing.
Flow chart of admin user control
figure 2.3
43

the figure 2.3 shows the activity of the admin user in the system, this web based
navigation allows for a systematic visual representation of the system that helps to
record the transaction made by the students or parents, admin users have more
freedom over the system and can change certain values and status, the student
and parents can only see the history/receipts and do a transaction on the system.
Flow chart of the system
figure 2.4
Figure 2.4 depicts the system's operation.
● The user can do a transaction

● The user/admin can view the transaction history and get the reference
number
● If the fee is due the user can submit a report or a medical certificate
44

● the user can also buy foods from the canteen with transactions
Context Diagram
figure 2.5
The context diagram illustrates the Svcc Electronic Payment System as the central
entity, representing the core system. This system interacts with three external
entities: "ADMIN," "USER," and "STAFF." ADMIN, typically an administrator, has
access to functionalities like checking records and creating accounts. USERS can
perform tasks such as checking orders, returning information, and creating

45

transactions. STAFF, likely canteen personnel, interfaces with the system to store
and retrieve data. The system, in turn, communicates with an external database
labeled as "Stored Database" to store and retrieve information. The diagram
simplifies the understanding of how these entities and the database interact with
the Svcc Electronic Payment System, offering a high-level perspective on the
system's connections and functions.
Data Flow Diagram
figure 2.6
46

The figure 2.6 outlines the system's data and interaction flow, commencing with
"Create Account" (step 1), which is initiated by "ADMIN" and results in the creation
of an "Account Record." This record is further associated with "Account Details"
and "Access" (step 2). The "Edit/Add/Delete Account" action (step 3) interacts with
the "Database," facilitating the management of user accounts, leading to "Updated
Account" and "Updated Balance Data." "STAFF" is involved in managing "Menu
Items/Fees" (step 4), including "Menu Detail." Meanwhile, "STUDENT/PARENT"
interacts with their "User Dashboard," involving "User Details," "User Balance
Details," and "Reference." The "Transaction" action (step 5) results in "Transaction
Data" and a "Reference ID." The figure provides a detailed view of the system,
from account creation and management to menu item handling and user
interactions, highlighting data dependencies and actions at each step.
Operation Procedure
Student / Parent
1. Turn on the computer
2. Open a Search Engine
3. Search the website
4. Login Credentials / Sign up
5. Check Balance
47

6. Payment Transaction
7. Get Reference number
8. Logout
Staff
5. Add / Delete / Update Menu / Balance
6. Logout
Admin
5. Check Status
6. Review Payments / feedbacks / Errors
7. Logout
Endorsed by: Submitted by:

48
ENGR.ZYRIX RYAN U. FAGELA Balbis,Jay C

MIT, CcPe Pega,John Reynante
Manangkil,Frederick T
Research Professor
(Signature over printed name)
Date:
Student
Date:
JAY C. BALBIS
Student
Date:
JOHN REYNANTE PEGA
Student
Date:
FREDERICK T MANANGKIL
49

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ST.

VINCENT COLLEGE OF CABUYAO

Bachelor of Science in Information Technology

St. Vincent College of Cabuyao E-Payment System

Pega, John Reynante

Endorsed by: Submitted by:

ENGR.ZYRIX RYAN U. FAGELA Balbis,Jay C

Bachelor of Science in Information Technology

In an era characterized by rapid technological advancements and the

digitization of various aspects of our lives, electronic payment systems, often

abbreviated as e-payment systems, have emerged as a cornerstone of modern

financial transactions. These systems have revolutionized the way we conduct

An e-payment system encompasses a range of electronic mechanisms

designed to facilitate secure and efficient monetary transactions between

individuals, businesses, and institutions. By leveraging the power of the internet

and digital technologies, e-payment systems offer a convenient and seamless

alternative to traditional cash-based transactions and paper-based methods like

The core principle underlying e-payment systems is the conversion of real-

Bachelor of Science in Information Technology

preferences and technological infrastructures.

commerce is conducted but has also contributed to financial inclusion by providing

such opportunities. Moreover, businesses and governments have embraced these

traditional payment methods, enabling them to allocate resources more effectively.

However, as e-payment systems become increasingly integral to our daily lives,

grown. The development of robust encryption technologies, multi-factor

authentication, and stringent security protocols has been essential in addressing

these concerns and building trust in e-payment systems.

In this age of connectivity and convenience, the evolution of e-payment

systems continues to shape the way we handle financial transactions, driving

innovation and reshaping the landscape of global commerce. As we delve deeper

into the intricate workings and broader implications of e-payment systems, it

individuals on a profound level.

Bachelor of Science in Information Technology

In the ever-evolving landscape of technology-driven financial services, the

emergence and rapid adoption of electronic payment systems (e-payment

immense attention from researchers, policymakers, businesses, and consumers

alike due to their transformative impact on financial transactions, consumer

late 20th century. Traditional methods of payment, relying on physical currency

and paper-based checks, faced limitations in terms of speed, security, and

efficiency, especially in a globalized world where transactions spanned

geographical boundaries. This created a pressing need for innovative solutions

means of transferring value.

As a response to these challenges, researchers and entrepreneurs explored

was the subsequent integration of point-of-sale (POS) terminals, online banking,

Bachelor of Science in Information Technology

way for more sophisticated e-payment systems.

widespread adoption of e-payment systems. Online shopping necessitated secure

methods of making payments over the internet, leading to the development of

electronic funds transfer systems, enabling users to store their financial

information securely and conduct transactions with ease.

of mobile payment solutions, allowing users to make transactions using their

mobile devices. Additionally, the conceptualization and subsequent realization of

blockchain technology led to the creation of cryptocurrencies like Bitcoin, which

introduced the concept of decentralized digital currencies and revolutionized the

Amidst these advancements, researchers started delving into the intricacies of e-

studying the effects of e-payment adoption on economic growth, inflation, and

financial inclusion. Technological aspects were also under scrutiny, with

Bachelor of Science in Information Technology

encryption methods employed to safeguard sensitive financial data in e-payment

examined factors influencing users' adoption of e-payment systems, including

as concerns about privacy breaches, digital illiteracy, and disparities in

From a regulatory and policy perspective, governments and international

organizations recognized the need to adapt existing legal frameworks to

accommodate the unique features of e-payment systems. Research in this domain