摘要：AbstractCooperative play essential role in national development because it can improve the prosperity of society. This paper proposes a novel mobile payment scheme for cooperative. Our scheme modifies the existing QR-Pay system by eliminate the need to connect to the networks, since developing countries still facing difficulties on internet connection. It also proposes two factor authentication and Quick Response (QR) encrypted content to improve the security. Therefore, this model delivers more convenience and security to pay using mobile device easily, with just a snap of a QR code and requires no internet connection. This model is suitable for developing countries.
关键词：Cooperative;Mobile Payment;QR Code;Secure Payment System;e-Business;Information System
