mobile payments system


Mobile payments, also known as m-payments, may be defined as any payment where a mobile device is used to initiate, authorize and confirm an exchange of currency in return for goods and services. Mobile devices include mobile phones, PDAs, wireless tablets and other devices that can connect to mobile telecommunication networks. Mobile payments can be an alternative to cash, checks, credit cards and debit cards, and can make possible new opportunities for commerce convenience.

ASSURANCE ON THE RELIABILITY OF MOBILE PAYMENT SYSTEM AND ITS EFFECTS ON ITSUSE: AN EMPIRICAL EXAMINATION
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ABSTRACT Mobile Payment Systems (MPS) such as Google Wallet are an emerging technology. This paper examines if mobile assurance as provided by examining the five criteria, namely security, availability, processing integrity, confidentiality and privacy (as per

Secure one-way mobile payment system keeping low computation in mobile devices
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In this paper, we present a secure one-way mobile payment system that executes only two modular multiplications, one modular inverse and two hashings by the customer using two public key pairs and keyed hash function. Thus the customer (ie mobile device) conserves

An efficient mobile payment system based on NFC technology
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The work we have accomplished in implementing a Mobile Payment mechanism that enables customers to pay bills for groceries and other purchased items in a store through the means of a mobile phone, specifically a Smartphone. The mode of transaction, as far as

Design and evaluation of a mobile payment system for public transport: the MobiPag STCP prototype
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The general adoption of mobile devices and their increasing functionality allow their use to make payments. This wide-spreading reality is being applied to several sectors, including public transport. In fact, there are several advantages of mobile payment and ticketing over

Towards a successful global payment system in mobile commerce
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In mobile commerce, a global and interoperable mobile payment solution is still missing. Simpay, an initiative by the four largest European mobile operators, aims to become just that. This study measures Simpay against known success factors in m-payments to discover

Development of a mobile airline reservation and payment system
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Airline Reservation in developing countries is carried out either manually or electronically. Either methods, reservation and payment operations are done in piece-meal fashion; this is cost prohibitive, time consuming and tedious leading to inefficiency. We present an

Integration of biometric authentication procedure in customer oriented payment system in trusted mobile devices
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Mobile payments have become an important application in daily activities. The unique advantage of mobile payments over traditional payments has led to tremendous growth of mobile phones. The strong demand of mobile applications raised increased concern on the

A new mobile payment system with formal verification
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In this paper, we propose a new payment instrument, ie, mobile travellers check (MTC) in the realm of mobile commerce. This payment instrument provides the merits of both e-cash and e-check, ie, MTC can be used freely as an e-cash and it is as secure as an e-check. We

Modelling the adoption of mobile payment system for primary and secondary school student examination fees in developing countries: Tanzanian experience
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This paper examines the Use of Mobile Phones for Examination Fees Payment among Primary and Secondary School Students. The paper analyses whether there are factors affecting the use of mobile payment systems for examination fee payment . The rationale of

A secure mobile payment system
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The considerable increase of mobile device users in recent years causes a strong demand on secured wireless information services and reliable mobile commerce (m-commerce) applications. Since mobile payment (m- payment ) is a critical part of most wireless

Mpcs: secure account-based mobile payment system
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Abstract The Mobile Commerce is an emerging discipline that involves mobile devices, middleware and mobile networks. Mobile Payment is a natural evolution of e- payment scheme that will facilitate mobile commerce. Today, there has been a notable increase in

Use of mobile transactions payment model in customer oriented payment system using NFC technology
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Mobile payment is an application of mobile commerce which facilitates mobile commerce transactions by providing the mobile customer with a convenient means to pay. Many mobile payment methods have been proposed and implemented like user friendly, customer

Modelling the Adoption of Mobile Payment System for Paying Examination Fees in Tanzanian Major Cities.
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This paper examines the different factors affecting the intention to use the mobile payment systems for examination fee payment in the National Examination Council of Tanzania (NECTA). Using Structural Equation modelling technique from a Tanzanian major cities

Paytooth-A Cashless Mobile Payment System based on Bluetooth
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The government authority, banking industry and regular citizens all experience a high overhead in using cash and credit/debit cards. E-cash and Mobile payment in particular is a feasible alternative to physical cash, since it will experience much lower overhead and offers

Barcode payment system in trusted mobile devices
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Mobile payment is an application of mobile commerce which facilitates mobile commerce transactions by providing the mobile customer with a convenient means to pay. Many mobile payment methods have been proposed and implemented like user friendly, customer

2D barcode based mobile payment system with biometric security
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Currently Indian market doesnt use 2-D based Barcode Mobile . In market or malls 1d barcode system is used and queue line system is used thus it is time consuming. In market most of mobiles dont have barcode detection system in them; only phones like iPhone have

Mobile Money: M- payment System for India
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Mobile Commerce is Electronic Commerce on Mobile a device which is carried out with mobile devices to purchase goods or services using wireless environment. Due to rapid growth of number of mobile phone subscribers in India, mobile phones are proved to be an

Poster: User perception of usability and security of a mobile payment system
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This paper presents the design and first results from an on-going series of experiments on the perception of usability and security of an NFC-based mobile payment system . Mobile (feature) phone-based monetary transactions are common in the developing world, where

Machine Learning based Approach to Financial Fraud Detection Process in Mobile Payment System
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Mobile payment fraud is the unauthorized use of mobile transaction through identity theft or credit card stealing to fraudulently obtain money. Mobile payment fraud is the fast growing issue through the emergence of smartphone and online transition services. In the real world

CoinBlesk, a Mobile NFC Bitcoin Payment System
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Even though Bitcoin has been around for several years now and has proved to be a reliable payment system , real-word adoption is still rare. The goal of this thesis is to provide a proof of concept of a payment system that is secure for users, fully compliant with the Swiss
Characteristics of successful mobile payment systems
Bank account based M-payment
Credit card based M-payment
Telecommunication company billing of M-payments
Short Message Service (SMS)
Unstructured Supplementary Services Delivery (USSD)
Wireless Application Protocol/General Packet Radio Service (WAP/GPRS)
Phone-based application (J2ME/BREW)
Sim-based application
Near Field Communication (NFC)
Dual chip
Mobile wallet


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