期刊名称：International Journal of Computer Applications and Information Technology
印刷版ISSN：2278-7720
出版年度：2012
卷号：1
期号：3
页码：10-16
出版社：Mahadev Educational Society
摘要：Mobile payment is an application of mobile commerce which facilitates mobile commerce transactions by providing the mobile customer with a convenient means to pay. Many mobile payment methods have been proposed and implemented like user friendly, customer centric, merchant centric where security concerns are highly addressed. This paper proposes a mobile payment model with barcodes for mobile users to improve mobile user experience in mobile payment. Unlike other existing mobile payment systems, the proposed payment solution provides distinct advantages to support buy-and-sale products and services based on 2D Barcodes. The aim of this work is to integrate a model of payment with the financial services, including payment and banking ones, based on two primary capabilities: the use of computational resources of a trusted mobile device and the establishment of a user controlled channel with the customer.s bank. The proposed architecture is characterized bank-centric, since the bank acts consultatively, informatively and protectively for the end user and it offers flexibility, adaptability and continuous extendibility to open technologies.
