Barcode Payment System in Trusted Mobile Devices

1993

The wide deployment of wireless networks and mobile technologies and the significant increase in the number of mobile device users has created a very strong demand for emerging mobile commerce applications and services. Barcode-based identification and validation solutions are considered an important part of electronic commerce systems, particularly in electronic supply chain systems. This paper reports a mobile-based 2D barcode validation system as part of mobile commerce systems. This barcode-based validation solution is developed based on the Data Matrix 2D-Barcode standard to support barcode-based validation in mobile commerce systems on mobile devices. The paper demonstrates its application by building a mobile movie ticketing system.

International Journal of Applied Engineering Research

The term "mobile phone" has become a heart for humans to survive in technical opportunity. Today the mobile phone is not only a full communication platform with email, instant messaging, video calls, and a social media interface, it also offers functional applications like navigation, ecommerce. In short, the Smartphone has become the most successful "functionality aggregator". Mobile payment, also referred to as mobile money, mobile money transfer, and mobile wallet, generally it is refer to payment services operated from or via a mobile device [1] . In this paper, we will discuss about mobile payment technologies their characteristics which are required to be used by mobile payment systems, common-uncommon things among them and advancement in the system. We will also look a complete comparison between the commonly used technologies like: Bluetooth, Infrared data association (IrDA), Radio Frequency Identification (RFID) and Near Field Communications (NFC) according to the most common factors which affect the quality of mobile payment systems presented. In this paper evaluations of the advantages and issues involved with using these technologies are also presented.

2011 National Conference on Communications (NCC), 2011

The rapid proliferation of mobile phones now provides an opportunity to harness their potential towards financial transactions. One form of such financial transactions is mobile payments. Our focus, in this paper, will be on certain design considerations for a mobile payment architecture. For widespread adoption, interoperability is a key concern. We first outline a previously proposed architecture, which supports interoperability. The design of this architecture requires the user to know only the beneficiary's mobile number in order to initiate a mobile payment. This is restrictive in the sense that only one bank account can be linked to a mobile number. To enhance flexibility it would be desirable, especially for merchants, to be able to link multiple bank accounts to a single phone number. We propose an alternate and enhanced design that allows the flexibility to link multiple bank accounts while also allowing the transactions to be conducted with just the mobile number. We evaluate and compare these two designs on various criteria. The details of implementation issues, advantages and limitations are presented. The analysis is a step towards the evaluation process of various design choices for mobile payment architectures.

The emergence of Android mobile operating system has brought about a huge change in the smart phone industry. It has contributed to the increase in the range of services a smart phone can provide which includes the ability to be used in the exchange of financial value. Quick Response (QR) code technology can be regarded as a key technology in the future of mobile payments. The goal of this research is to develop a model of mobile payment solution using QR code as a communication link between the two parties engaging in a transaction and also for encryption of transaction details. The study resulted in a new android mobile wallet application which was developed using the structured system analysis and design methodology. Our experimental results show that the new system has better security using dual authentication employed by different entities, does not require sharing of personal details, eliminates the need for agents in the payment ecosystem and satisfies the universal property

ijiee.org

Money Transaction has become common, frequent and a necessity in the current living and carrying cash always with a person is not a practical solution. The current trend of carrying the credit cards have become a crucial part of life and carrying of multiple cards is common nowadays. There is a risk involved when a credit card is stolen. Every one carries mobile phone. Our solution approach is to develop a system in which functions of the credit card is incorporated in mobile phone. The mobile phone is then used as a credit card and it replaces the function of swapping of the credit card each time we shop. Our system is having credit card application stored on mobile phone. This application has got all the information related to credit card operation, stored in encrypted form in the mobile phone. Further, this information is protected by a password. When a person desires to make any transaction through the mobile phone, the credit card data is passed from the mobile to the vendor machine through a Bluetooth communication interface [1]. The vendor machine validates the credit card data with the corresponding bank in standard fashion and issue the receipt [2]. Thus this eliminates the need for carrying credit card physically. This required modification on mobile software for safe storage of credit card information and few hardware modifications (add-on) to the vendor terminal for communication using Bluetooth. This paper focuses on various implementation issues of this application where mobile phone will act as a credit card.

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.

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.

2002

Mobile phones are already approaching penetration rates of close to 80 per cent in some parts of the world. Mobile payments, or "m-payments", are expected to become an important part of retail payments. M-payments are defined as payments that are carried out via mobile phone. M-commerce as a wide area could be divided into mobile E-commerce and M-trade area. Different models of mobile payments are proposed considering the physical disposition. Financial service provider is essential mediator among customers, merchants and banks. The iMS specification proposed in this paper enables mobile payments with one click of a button. Different levels of security have to be implemented for small, medium and large transaction of funds.

5th International Conference on Computer Sciences and Convergence Information Technology, 2010

As a high-speed internet infrastructure is being developed and people are informationized, the financial tasks are also engaged in internet field. However, the existing internet banking system was exposed to the danger of hacking. Recently, the personal information has been leaked by a high-degree method such as Phishing or Pharming beyond snatching a user's ID and Password. Seeing that most of examples which happened in the domestic financial agencies were caused by the appropriation of ID or Password belonging to others, a safe user confirmation system gets much more essential. In this paper, we propose a new Online Banking Authentication system. This authentication system used Mobile OTP with the combination of QR-code which is a variant of the 2D barcode.

This paper derives a theoretical framework for consideration of both the technologically driven dimensions of mobile payment solutions, and the associated value proposition for customers. Banks promote traditional payment instruments whose value proposition is the management of risk for both consumers and merchants. These instruments are centralised, costly and lack decision support functionality. The ubiquity of the mobile phone has provided a decentralised platform for managing payment processes in a new way, but the value proposition for customers has yet to be elaborated clearly. This inertia has stalled the design of sustainable revenue models for a mobile payments ecosystem. Merchants and consumers in the meantime are being seduced by the convenience of on-line and mobile payment solutions. Adopting the purchase and payment process as the unit of analysis, the current mobile payment landscape is reviewed with respect to the creation and consumption of customer value. From this...