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:

[Link] 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
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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 [Link] 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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

(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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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

[Link] 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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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, [Link] provided a beep card for transportation

and retail purchases at wendy's, familymart, and ministops ([Link], 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 [Link], 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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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.

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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

Foreign Study

[Link]

[Link]

[Link]

[Link]

[Link]

[Link]

[Link]

[Link]
institutions/

[Link]

[Link]

Local Study

[Link]

[Link]

[Link]
The_State_of_Digital_Payments_in_the_Philippines.pdf?
1577119102&fbclid=IwAR0COKjL1GrB1PoB3_fPvFyZ7CdJ3lkThEc9XIGG_95fycue7qQDiUWCK50

[Link]
362780624_Digital_Payment_Adoption_during_the_COVID-19_Pandemic_in_the_Philippines

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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

[Link]
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 ([Link])

[Link]

Capstone_UIIS_Development_of_Online_Cashiering_Queueing_System_in_CSPC_1_-[Link]
([Link])

Using QR Code in the Philippines for Digital Payments: A Simple Guide ([Link])

Advantages of using QR PH for e-payments cited | Philippine News Agency ([Link])

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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

figure 2.0

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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

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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 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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.

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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

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
 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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
 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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
 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

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)
[Link] terms of Functional Suitabily

[Link] system or product effectively meets its

intended functional requirements.
[Link] system or product effectively meets its
intended functional requirements.
[Link] Terms of Reliability

[Link] is a crucial aspect of our system or

product.
[Link] system or product has measures in place to
enhance its reliability.
[Link] have experienced reliability issues in the
past that were adequately addressed.

36
 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

[Link] Terms of Compatibility

[Link] system or product is designed to be

compatible with various hardware, software, or
systems.
[Link] follow compatibility standards or guidelines
to ensure smooth interactions with other systems.
[Link] have encountered compatibility issues that
have been effectively resolved.
[Link] Terms of Usability

[Link] system or product is user-friendly and easy

to use.
[Link] testing and user feedback play a
significant role in improving our system or product
[Link] have made design or functionality changes
based on user feedback and usability studies.
[Link] Terms of Performance Efficiency

[Link] system or product consistently meets its

performance benchmarks and goals.
[Link] have been made to optimize the
performance efficiency of our system or product
while maintaining functionality and reliability.
[Link] have encountered performance bottlenecks
or challenges that have been effectively
addressed.
[Link] Terms Of Maintainability

[Link] 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
[Link] have experienced maintainability issues in
the past that were adequately addressed.
[Link] Terms of Security

[Link] is a top priority for our system or

product.

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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

[Link] system or product has robust security

measures and protocols in place to protect
against potential threats and vulnerabilities.
[Link] updates and patching are handled
promptly and effectively for our system or product.
[Link] Terms of Portbility

[Link] system or product is designed to be easily

portable to different platforms or environments as
needed.
[Link] follow specific portability standards or
guidelines to ensure compatibility across various
platforms or environments.
[Link] challenges have been effectively
addressed in the past when transitioning our
system or product to different platforms or
environments.

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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

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?
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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

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

1. Does The System Have The Ability To

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?
2. Does The System Have The Ability To
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

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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

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

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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

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

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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

● 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

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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

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
 ST. VINCENT COLLEGE OF CABUYAO
College of Information Technology
SVCC Complex Mamatid, City of Cabuyao, Laguna

Bachelor of Science in Information Technology

● 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

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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

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

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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

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

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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

6. Payment Transaction

7. Get Reference number

8. Logout

Staff

1. Turn on the computer

2. Open a Search Engine

3. Search the website

4. Login Credentials / Sign up

5. Add / Delete / Update Menu / Balance

6. Logout

Admin

1. Turn on the computer

2. Open a Search Engine

3. Search the website

4. Login Credentials / Sign up

5. Check Status

6. Review Payments / feedbacks / Errors

7. Logout

Endorsed by: Submitted by:

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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

[Link] 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

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