M A Micropayment System for Mobile and Electronic Commerce (original) (raw)

M&E-NetPay: A Micropayment System for Mobile and Electronic Commerce

Symmetry, 2016

As an increasing number of people purchase goods and services online, micropayment systems are becoming particularly important for mobile and electronic commerce. We have designed and developed such a system called M&E-NetPay (Mobile and Electronic NetPay). With open interoperability and mobility, M&E-NetPay uses web services to connect brokers and vendors, providing secure, flexible and reliable credit services over the Internet. In particular, M&E-NetPay makes use of a secure, inexpensive and debit-based off-line protocol that allows vendors to interact only with customers, after validating coins. The design of the architecture and protocol of M&E-NetPay are presented, together with the implementation of its prototype in ringtone and wallpaper sites. To validate our system, we have conducted its evaluations on performance, usability and heuristics. Furthermore, we compare our system to the CORBA-based (Common Object Request Broker Architecture) off-line micro-payment systems. The results have demonstrated that M&E-NetPay outperforms the .NET-based M&E-NetPay system in terms of performance and user satisfaction.

M&E-NetPay: A Micropayment System for Mobile and Electronic Commerce

Symmetry, 2016

Off-Line Micro-Payment Protocol for Multiple Vendors in Mobile Commerce

2006 Seventh International Conference on Parallel and Distributed Computing, Applications and Technologies (PDCAT'06), 2006

Micro-payment systems have the potential to provide non-intrusive, high-volume and low-cost payas-you-use services for a wide variety of web-based applications. Previously we have developed NetPay, an off-line micro-payment protocol for E-commerce. In this paper we describe a set of extensions, Mobile-NetPay, optimised for mobile E-commerce. Mobile-NetPay provides high performance and security using one-way hashing functions for e-coin encryption. Each mobile user's transaction does not involve any broker and double spending is detected during the redeeming transaction. We describe the motivation for Mobile-NetPay and describe three transactions of the Mobile-NetPay protocol in detail to illustrate the approach. We then discuss future research on this protocol.

A Mobile Telephone Based, Secure Micro-Payment Technology Using The Existing ICT Infrastructure

2007

The need to use mobile telephones and PDA’s as electronic-payment devices became stronger as the global mobile penetration rate reached 17 percent. However, due to the technological limitations and security considerations, the well established jargon of electronic-payment could not be employed in mobile-payment (m-payment), specifically for payment of very low amounts (e.g. micro-payment). Therefore, new technologies are needed for enabling m-payment. In this paper, we investigate the shortcomings of the available card-based micro-payment schemes and propose a new scheme that is suitable to apply to multiple-vendors for m-payment. The proposed scheme uses a Variable Transaction Number (VTN) used per purchase, in the form of an on-screen barcode, readable by the CCD barcode scanners. The proposed method satisfies requirements of micro-payment systems in terms of financial, technological, computational and managerial costs.

A mobile telephone based, secure micro-payment technology using the existing ict infaastructure

International Conference in Communication and …, 2007

The need to use mobile telephones and PDA's as electronic-payment devices became stronger as the global mobile penetration rate reached 17 percent. However, due to the technological limitations and security considerations, the well established jargon of electronic-payment could not be employed in mobile-payment (m-payment), specifically for payment of very low amounts (e.g. micro-payment). Therefore, new technologies are needed for enabling m-payment. In this paper, we investigate the shortcomings of the available card-based micro-payment schemes and propose a new scheme that is suitable to apply to multiple-vendors for m-payment. The proposed scheme uses a Variable Transaction Number (VTN) used per purchase, in the form of an on-screen barcode, readable by the CCD barcode scanners. The proposed method satisfies requirements of micro-payment systems in terms of financial, technological, computational and managerial costs.

An Investigation on Using Web Services for Micro-Payment

Lecture Notes in Computer Science, 2004

E-commerce development and applications have been bringing the Internet to business and marketing and reforming our current business styles and processes. As Business to Business (B2B) has been a main stream of the e-commerce activities for a decade, business to customer (B2C) is still a new area to explore. Among the business to customer activities, a strong impact is security, i.e., how to protect secrets of various parties in business transactions. Different security methods apply to different businesses and meet different customers' needs. The methods with low cost and easy to implement may be less secure, whereas the methods providing high level security can be unaffordable to many small enterprises and individuals. In particular, people, while browsing or surfing on the Web, wish to pay a very small amount and "buy" (perhaps just download) an interesting item from the Web. The "click-and-pay" or "click-and-buy" does not require high security protection and should be convenient to use (buy and pay). Micro-payment issue emerges from the context to meet the need of applicability of low secure and cost in e-purchase. Payments of small amounts may enable many exciting applications on the Internet, such as selling information, small software and services. Users are willing to pay a small amount of money for the information, software and services. While the payment is small, expensive security protection is unnecessary. What users require may include negligible delay, rapid click-through, and automatic billing. Micro-payment is a service intensive activity, where many payment tasks involve different forms of services, such as payment method selection for buyers, security support software, product price comparison, etc. In this paper, we intend to investigate and analyze various aspects of micro-payment system using the web service technology. We will discuss business patterns for micro-payment systems using Web Services approaches.

Mobile Telephone as an Operator Independent , Secure Micropayment Tool

2007

With the latest advances in Information and Communication Technologies (ICT), using different technologies for electronic-payment has become a major issue in the retail market. The use of portable communication devices became particularly attractive candidates when versatility, security and simplicity considerations of payment technologies are considered. In this paper, we investigate the use of mobile communication devices as versatile, secure and simple micro-payment tools, which satisfy the related financial, technological, computational and managerial requirements. The versatility and security of the method comes from the use of a mobile telephone and a Variable Transaction Number (VTN) in each transaction. Experimental results have shown that, the systematic requirements for the implementation of this technology are minimal and the costs involved are very much reasonable.

M Payment Prototype for Mobile Bill Payment System

Mobile devices and wireless technologies have come to make a great impact on our lives. Mobile devices have been widely used in the last few years which have led to the e-revolution. This suggests the electronic mode of payment in sustaining the new innovations. The manual payment system has been revealed to be associated with a numbers of problems such as fatigue of standing in long queue, human error, forgery and lots more. This made a number of authors to have suggested electronic payment system with proven advantage in terms of accuracy, speed, cost and security. The Electricity Holding Company of Benin Republic (EHCB) is currently facing a lot of challenges using manual payment system which has made the stakeholders in company to suggest mobile payment system as an alternative. This informs the aim of the researcher to develop an m-payment prototype for EHCB and confirm its usability. The prototype was developed based on prototyping model using WINDEV while the usability was tested using an adapted survey questionnaire with ten metrics. It was discovered that the developed m-payment prototype for Electricity Holding Company of Benin Republic is usable.

Smartcard-Based e-Coin for Electronic Payments on the (Mobile) Internet

2007

Nowadays e-purses are not being offered as payment method on the Internet. This is mainly due to the fact that vendors have to integrate in their devices a security application module (SAM) to exchange security messages between the e-purse and that module during the payment phase. In this paper we introduce a new payment method that combines the main advantages of e-purses and the use of e-coins to make payments. This proposal does not need either a SAM to make and verify payments on the Internet nor an on-line e-coin validation. Thus, we introduce the possibility that this e-purse can be easily integrated in payment applications that vendors offer on the Internet. Moreover, our proposal is based on the use of Javacard applets with the aim of being used in both traditional Javacard-compliant smartcards and SIM smartcards, which involves that our proposal might be considered as a mobile payment system.

mFerio: the design and evaluation of a peer-to-peer mobile payment system

… conference on Mobile …, 2009

In this paper, we present the design and evaluation of a near-field communication-based mobile p2p payment application, called mFerio, that is designed to replace cash-based transactions. We first identify design criteria that payment systems should satisfy and then explain how mFerio, relative to those criteria, improves on the limitations of cash-based systems. We next describe mFerio's implementation and user interface design, focusing on the balance between usability and security. Finally, we present the results of a two-phase user study, involving a total of 104 people, that shows that mFerio has low cognitive load and is also fast, accurate, and easy to use -even outperforming cash in terms of speed and cognitive load in common payment situations.

M A Micropayment System for Mobile and Electronic Commerce (original) (raw)

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