SYSTÈME DE PAIEMENT ÉLECTRONIQUE SÉCURISÉ BASÉ SUR ETHEREUM.

Abstract

This paper proposes the design and evaluation of a secure electronic payment system based on the Ethereum blockchain, applied to the payment of academic fees. The objective is to enhance transparency, security, and automation of financial transactions within higher education institutions. The methodology relies on developing a prototype using smart contracts, tested on Ethereum testnets. Experimental results show that the system reduces processing times and improves transaction traceability [1]. The integration of Layer 2 solutions and stablecoins also helps reduce transaction costs and improve scalability. However, challenges remain, particularly regarding regulation and user accessibility. As a decentralized and programmable platform, Ethereum represents a major innovation capable of transforming traditional payment systems. The emergence of Ethereum-based academic fee payment systems is part of an accelerated digital transformation and the search for alternatives to conventional financial infrastructures. Since the introduction of Bitcoin, the global financial system has undergone a profound shift, marked by the adoption of decentralized technologies [3]. This study required an in-depth technical understanding of the Ethereum blockchain, along with critical, economic, and regulatory analyses [5].