Title :
Study of mobile payments system
Author :
Zheng, Xiaolin ; Chen, Deren
Author_Institution :
Coll. of Comput. Sci., Zhejiang Univ., Hangzhou, China
Abstract :
Mobile payment is the killer application in mobile commerce. We classify the payment methods according to several standards, analyze and point out the merits and drawbacks of each method. To enable future applications and technologies to handle mobile payment, we provide a general layered framework and a new process for mobile payment. The framework is composed of load-bearing layer, network interface and core application platform layer, business layer, and decision-making layer. And it can be extended and improved by the developers. Then a pre-pay and account-based payment process is described. Our method has the advantages of low cost and technical requirement, high scalability and security.
Keywords :
application program interfaces; decision support systems; electronic money; mobile computing; network interfaces; account based payment process; business layer; core application platform layer; cost requirement; decision-making layer; high scalability; killer application; layered framework; load-bearing layer; mobile commerce; mobile payment system; mobile transaction; network interface; payment method classification; payment method drawback; payment method merit analysis; prepay payment process; security; technical requirement; Advertising; Application software; Business; Computer science; Costs; Decision making; Educational institutions; Mobile computing; Network interfaces; Scalability;
Conference_Titel :
E-Commerce, 2003. CEC 2003. IEEE International Conference on
Print_ISBN :
0-7695-1969-5
DOI :
10.1109/COEC.2003.1210227
