mobile payment research papers
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mobile payment research papers




Standardized payment procedures as key enabling factor for mobile commerce
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 Thus, the existence of standardized and widely accepted mobile payment procedures is crucial for successful business-to-customer mobile commerce. In this paper we reflect on the acceptance of mobile payment and examine 

Mobile payment adoption in the USA: a cross-industry, cross-platform solution
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ABSTRACT Enabled by a wide array of wireless and mobile technologies, a new form of electronic commerce,mMobile eCommerce, is gaining growing attention from both business and academic communities. Proliferation of mobile commerce, especially in the 

Mobile payment service development-managerial implications of consumer value perceptions
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ABSTRACT In recent years, a number of new payment solutions have been introduced with little success. The solutions have mostly been technology driven at the cost of convenience and value to the consumer. In this research in progress we investigate what characteristics 

Towards understanding of factors influencing user acceptance of mobile payment systems
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ABSTRACT M-payments, which refer to payments over a mobile device, have not taken off as fast as predicted. Their slow adoption rates raise many questions about what drives consumer behaviour. The aim of this study is to find out what influences the user 

Security, trust and privacy in the secure mobile payment service
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ABSTRACT The Secure Mobile Payment Service (SEMOPS–www. semops. com) is an innovative solution for delivering a global mobile payment service. Among other requirements common to the mobile payment services, SEMOPS has tackled the security, 

Secure mobile payment-Architecture and business model of SEMOPS
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ABSTRACT Mobile payment is considered by many experts as the next big thing, that will kick- off existing e-and m-commerce efforts and unleash the true potential of mobile business. Different approaches come to the market and try to address existing needs, but up to now 

Reshaping the framework for analysing success of mobile payment solutions
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ABSTRACT Despite the potential and expectations, mobile payments have not reached expected adoption levels. Establishing success factors in m-payments has become an important research goal. Traditional acceptance models focus on characteristics of new 

Mobile payment systems and services: an introduction
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Three billion people are expected to own mobile phones in the globe by 2010. There are currently 225 million mobile phones in India and 100 million are added every year. In a few years more than 500 million people are expected to have mobile phones in India (MPFI, 

Payment in a kiosk centric model with mobile and low computational power devices
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 ABSTRACT In this paper we present a protocol for a mobile payment system based on a Kiosk Centric Model (proposed by ) that employs symmetric-key operations which require low computational power. Our protocol is suitable 

Modelling, Design, and Analysis of Secure Mobile Payment Systems
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ABSTRACT Mobile payment allows users to perform payment transactions through their mobile devices. However, it brings up many emerging issues regarding security and performance of mobile payment systems that can be classified into at least two main problems. The first 

Privacy in new mobile payment protocol
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ABSTRACT The increasing development of wireless networks and the widespread popularity of handheld devices such as Personal Digital Assistants (PDAs), mobile phones and wireless tablets represents an incredible opportunity to enable mobile devices as a 

Mobile Payment and Security
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ABSTRACT Mobile payment presents businesses with unrivaled new opportunities, but also with new challenges. Mobile security is one of the most urgent, and complex challenges to mobile payment. It is becoming a hot issue as webenabled devices gain acceptance. 

Users' perception of mobile payment
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This paper reports from an empirical study of users' attitudes pertaining to novel payment solutions, particularly e-cash and mobile micro payments (m-payments). This is a particularly important aspect of mobile services development, since cumbersome payment allegedly 

A comparison of mobile payment procedures in Finnish and Chinese markets
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ABSTRACT Researchers are particularly interested in factors that affect the adoption, innovations and diffusion of mobile payment, which is a typical and wide application of ICTS (Information Communication Technology Services) in developed and developing 

Performance Analysis of Mobile Payment Protocols over the Bluetooth Wireless Network
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ABSTRACT In the last years, mobile commerce have appeared thanks to the growth in the use of mobile devices, multiple wireless technology for personal communication and program language such as Java. A parallel step has been the design of new mobile payment 

A multi-country assessment of mobile payment adoption
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ABSTRACT Mobile payments (m-payments) are seen as having a bright future. However, the adoption of m-payments has been uneven globally. Different countries have different adoption experiences. In this research, we ask the following question:What are the factors 

Towards a successful global payment system in mobile commerce
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 ABSTRACT In mobile commerce, a global and interoperable mobile payment solution is still missing.  Such an analysis can be used as an example on how to measure strengths and weaknesses of any other mobile payment system. 

An anonymous mobile payment system based on bilinear pairings
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Many electronic cash systems have been proposed with the proliferation of the Internet and the activation of electronic commerce. E-cash enables the exchange of digital coins with value assured by the bank's signature and with concealed user identity. In an electronic 

Mobile payment: Towards a customer-centric model
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Mobile payment normally occurs as a wireless transaction of monetary value and includes the initiation, authorization and the realization of the payment. Such transactions are facilitated by purpose-built mobile payment systems that are part of the service 

Designing business models for mobile payment services
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Designing business models for mobile services is a complex undertaking because it requires multiple actors to balance different requirements and interests such that a 'win- win'situation is created. A business model can be seen as a blueprint of four interrelated 

Security Issues in Mobile Payment Systems
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ABSTRACT The national exchequer, the banking industry and regular citizens all incur a high overhead in using physical cash. Electronic cash and cell phone-based payment in particular is a viable alternative to physical cash since it incurs much lower overheads and 

Towards a global mobile payment service
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ABSTRACT Mobile payment's promise is that users will be able to pay via their mobile phones any time anywhere in whatever currency easily. However the real world mobile payment efforts are still far away from materializing this vision. In this paper we take a view of where 

Payment Applications Make E-Commerce Mobile
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 Published by the IEEE Computer Society 0018-9162/10/$26.00 © 2010 IEEE Payment Applications Make  Market research firm Gartner Inc. predicts the number of mobile-payment users worldwide will exceed 109 million by the end of 2010, up 54.5 percent from 2009. 

Modified SET protocol for mobile payment: an empirical analysis
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Summary The wide spread of using handheld devices offers an opportunity for mobile devices to be used as a universal payment method. However, some issues impede the widespread acceptance of mobile payment; for example: privacy protection, limited 

A practical framework for mobile SET payment
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Client then verifies the merchant's signature and retrieves the result of the transaction. 2.2 Mobile Mobile Payment Proceedings of PRIMA98, LNAI 1599,pp.162-173. 

Mobile payment: opportunities, challenges and solutions
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Summary The steadily growing market penetration of mobile phones as well as the ongoing development of mobile commerce applications especially in the B2C sector is increasing the importance of payment solutions. Without standardized mobile payment solutions, the 

The secure and multiple payment system based on the mobile phone platform
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 participation. Convenience: Research has shown that consumers are attracted to products and services that are simple to use and do not require major shifts in habit. Any mobile payment system must fulfill these requirements. Efficiency 

Mobile Payment as Key Factor for Mobile Commerce Success
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ABSTRACT Mobile commerce was expected to flourish with the advent of 3G technologies. Nevertheless, this business has been growing very slowly and up to now has not reached a real success. This paper shows the importance of the mobile payment systems for the 

Usability is a policy issue: Minimising the Hassle Factor in mobile payment of the Central London Congestion Charge
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ABSTRACT This paper presents a study of user responses to the implementation of a high- profile egovernment system, the Central London Congestion Charge. The approach is multi- disciplinary, combining human-computer interaction (HCI) and socio-technical systems ( 

The missing link: Human Interactive Security Protocols in mobile payment
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ABSTRACT A new family of protocols, based on communication over human-based side channels, permit secure pairing or group formation in ways that no party has to prove its name. These protocols are particularly suitable for authentication on mobile phones 

Non-repudiation Mechanism of Agent-based Mobile Payment Systems: Perspectives on Wireless PKI
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ABSTRACT Non-repudiation of a mobile payment transaction ensures that when a buyer (B) sends some messages to a seller (S), neither B nor S can deny having participated in this transaction. An evidence of a transaction is generated by wireless PKI (WPKI) mechanism 

Breakthroughs in the european MoBile payMent Market
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Technological advances, such as the new generation of mobile devices, the emergence of contactless payments, IP everywhere and 3G, coupled with the adoption of the new legal framework for payments and the creation of the Single Euro Payment Area (SEPA) means the future for mobile

Integration of a secure mobile payment system in a GSM/UMTS SIM smart card
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ABSTRACT The idea of electronic money and the digitalization of economic transactions are appealing as a result of the nowadays' technological evolution. Many proposals have been presented and several projects have been implemented in this direction, however there is 

Payflux–secure electronic payment in mobile ad hoc networks
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 Mobile devices are very attractive for supporting mobile business transactions, especially for small to medium payments in the range of a few Euros. Several mobile payment systems are already used with varying success. However 

Mobile Payment im Spannungsfeld von Ungewissheit und Notwendigkeit
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ABSTRACT Mobile Zahlungssysteme sind seit einigen Jahren Gegenstand wissenschaftlicher Untersuchungen. In der Praxis hat sich Mobile Payment bislang jedoch nicht erfolgreich durchsetzen knnen. Um eine Hilfestellung fr ein erfolgreiches Mobile Payment 

Security key: a new mobile payment solution
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ABSTRACT Mobile payment raises a number of security and privacy challenges. To address this, we present an approach in which the mobile payment security is enhanced by using external security key and specified policies. An electronic security key is connected to the 

Mobile Payment Framework Based on 3G Network
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ABSTRACT With the development of mobile network technology and mobile commerce application, mobile payment is becoming more and more important to assist mobile users to participate in the mobile commerce. Service reliability, security authtification, payment 

A secure mobile payment system
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X LI, H HU ABSTRACT 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 

Application study on public key cryptography in mobile payment
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ABSTRACT With mobile terminal increase, E-Commerce is transforming to M-Commerce. However, mobile security is one of the most urgent, and complex challenges to mobile payment because of mobile networks openness. The suitable cryptosystem of mobile 

A Fuzzy ELECTRE Approach for Evaluating Mobile Payment Business Models
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ABSTRACT Considering the significant growth in mobile phone use by customers and its high accessibility, this device can be considered as the most suitable tool in payment category. To implement a mobile payment service, there are many actors involved such as: bank, 

Account Based Mobile Payment by Diffie-Hellman Key Exchange Protocol
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ABSTRACT With the development on techniques of mobile communication, the daily activities benefit from these techniques more than ever. In order to make living more convenient, the mobile payment has been brought up in recent years. The consideration for carrying out 

Consumer Willingness to Use and Pay for Mobile Payment Services
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ABSTRACT This study applies the Technology Acceptance Model to examine factors such as perceived usefulness and perceived ease of use on consumer willingness to use mobile payment services. This study also includes exploratory research on external factors– 

Near field communication based mobile payment system
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ABSTRACT In daily life, ordinary cash is more and more replaced by electronic means of payment. Where on the one hand side macro payment systems are well covered by credit cards, micro payment systems still suffer from different technological and usability issues. 

Modeling the Market Adoption of Mobile Payment Solutions
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KB Saji ,International Journal of mathematical models and ABSTRACT As mobile commerce becomes increasingly acceptable, mobile payments (m- payments) are now predicted to have a brilliant future. In order to exploit this growing opportunity, a number of innovative m-payment products have been brought to the market 

Handheld Devices and Computing and Payment Methods for Mobile Commerce
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 Mobile payment methods: Mobile commerce security is defined as the technological and managerial procedures applied to mobile commerce to provide security properties. Among the many issues that arise with mobile commerce 

A Mobile NFC Payment Terminal for the Event-Wallet on an Android Smartphone
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J Luz, G Ergeerts, F Schrooyen, R Beyers, K Renckens ,artesis.be  Index Terms-NFC, Near Field Communication, NFC Terminal, DESFire, Electronic Wallet, Twinlinx MyMax, Mobile Payment. ?  Also it will create more overhead and control over the financial situation. 3 MOBILE PAYMENT TECHNOLOGIES 

Application And Research On Mobile E-Business Payment Client Based On Cross-Platform
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Z Zhong-ge, Z Nian-bin, Z Ze-fen, P Ge-gang, S Qing ,elrond.informatik.tu-freiberg.de  ABSTRACT ,With the globalization of the information technology revolution and the development of intelligent mobile phone, the development of mobile e-business obtains more and more support. Mobile payment is the cornerstone and motive power of mobile e-business. 

Application Domains III: Mobile Payment
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K Rannenberg ? Increased comfortuser friendliness through the independence towards time and place (particular due to the fact that there are less and less branches).? In conjunction with personalised offers, spontaneous, time-independent shoppingpayment is enabled.? 

Mobile Payment
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The widespread usage of new telecommunication technologies implies the demand on payment via Internet since the'90s. First, these solutions were applied only by pioneer users, while average men still chose traditional payment methods such as payment by cash, 

A survey of system platforms for mobile payment
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ABSTRACT with the evolution and significant growth in wireless technology and the development of mobile commerce, businesses can achieve superior performance through the implementation of platforms for mobile payment. However, there are several platforms 

Mobile Payment Gateway
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A Kulkarni, S Kulkarni, A Kulkarni, A Ghirnikar ,amolskulkarni.yolasite.com ABSTRACT Mobile payment is a processing of payment for goods or services with a mobile device such as a mobile phone, Personal Digital Assistant (PDA) etc . Many other ways of performing money transactions like credit cards, debit cards etc. experience severe 

A Mobile Payment System Through Independent M-Signature Service
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P Vaishnavi, M Ibrahim ,irnetexplore.ac.in ABSTRACT Nowadays a great number of applications require the use of Electronic Signature (e- signature) and non-repudiation services such as certified e-mail, contract signing, electronic payment system and etc The authenticity and integrity generated by esignature in 

TOWARDS AN UNDERSTANDING OF USER BEHAVIORAL INTENTION TO ADOPT A MOBILE PAYMENT
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CC Yang, HF Lee ABSTRACT The TPB is used as the theoretical foundation with two TAM related constructs- perceived usefulness and perceived ease of use and an additional construct-perceived security which reflects the fear of an uncertain medium faced by the consumer is added 

Bluetooth Mobile Payment System Using Java: Main Server System
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From the results of the testing activities, it found out that the main server system has a problem on browser compatibility; because of the specification of each web browsers are different between each other. Besides of that, the system is run smoothly without bugs. 

MOBILE PAYMENT ADOPTION IN KOREA: SWITCHING FROM CREDIT CARD
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JH Hwang ,itseurope.org ABSTRACT The growing interest in mobile commerce and the high penetration rate of mobile communication service in Korea are expected to provide mobile operators a new and great business opportunity, the mobile payment. This paper empirically investigated what 

Enabling P2P Mobile Payment through P2P Network
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ABSTRACT Peer-to-Peer or Person to person (P2P) networks has emerged as a popular alternative to traditional client-server architectures for the distribution of information goods. Many new networks are being established and thousands of users are part of such P2P 

A Model for Context Aware Mobile Payment
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ABSTRACT With the advent of mobile networks and mobile devices, mobile payment has been attractive to many ecommerce users. Mobile environment features a wide range and an increasing number of access devices and network technologies. Context-aware content/ 

A PRELIMINARY MODEL FOR MOBILE PAYMENT ACCEPTANCE
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A Wang ,sp.uconn.edu ABSTRACT This study is motivated by the lack of scholarship examining the content of what mobile payment (m-payment) acceptance is examined in mobile marketing communications research. Thus, this study aims to conceptualize a preliminary model that addresses this 

Technical and Cultural Impacts on Development of the Telecommunication Services The Case of Mobile Payment Market
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ABSTRACT Mobile phones develops increasingly as a significant channel for fundamental banking services in the countries with a low level of material well being (developing countries). Mobile Payment with mobile phones indicates the partial convergence of 

Mobile Payment concept and Value Creation in the Credit Card Chain
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GS Martins, ME Martins, JM Csillag, LC Di Serio ,pomsmeetings.org Payment transactions using paper money and coins have been significantly reduced and have been replaced by electronic payment transactions over the years. Among consumers, the most common payment type is still the credit card, a product offered by financial 

Mobile Payments: A New Frontier for Payment/Money Service Providers
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D Datta, I Consulting, S Bhat ,Welcome to the Mobility issue of FINsights!  To remain relevant and maintain control of a natural extension of their current offerings and knowledge base, PSPs must move quickly to establish a strong mobile payment offering.  The mobile payment market can be segmented by transaction proximity and value. 

THE MODERATING EFFECT OF CULTURAL DIMENSIONS ON USER'S ACCEPTANCE OFMOBILE PAYMENT DEVICES: A CONCEPTUAL MODEL
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KA Alshare, M Al-Garni, A Musa ,swdsi.org ABSTRACT This paper is an attempt to develop a model that explores the impact of cultural dimensions on user intention to use mobile payment devices using the Unified Theory of Acceptance and Use of Technology model (UTAUT) and Hofstede's cultural dimensions 

EVALUATING THE BUSINESS POTENTIAL OF MOBILE PAYMENT SOLUTIONS–AN APPLICATION OF THE BUSINESS MODEL CONCEPT
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ABSTRACT Mobile phone based payments (m-payments) have emerged as a hot topic in recent years with various initiatives being launched throughout the world. Yet, many of these initiatives have since failed and only a few success stories can be observed in Europe and 

An Integrated Mobile Phone Payment System Based on 3G Network
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R Gaikwad, MS Chaudhari, MD Gaikwad  In order to ensure it to achieve further development, secure, flexible and reliable mobile payment system is becoming more and more important. Compared with the payment pattern of ordinary commerce, there will be profound 

Mobile parking payment service
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A Skendic, B Kovacic ,infoz.ffzg.hr  Simplicity, compatibility, availability and the option of paying for a service at any time from any place makes this way of conducting payment very acceptable to the end users. Besides its practicality and simplicity mobile payment is widely available. 

Mobile Payment System with Privacy Protection
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ABSTRACT Trade security is the main point of the payment system. The system should fit the security issues such as confidentiality, authentication, and non-repudiation. However, the privacy problem seems to be ignored. This article proposes a new structure to improve the


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