期刊名称：International Journal of Advanced Computer Science and Applications(IJACSA)
印刷版ISSN：2158-107X
电子版ISSN：2156-5570
出版年度：2020
卷号：11
期号：1
页码：132-140
出版社：Science and Information Society (SAI)
摘要：Developing Countries in Africa in general and Zambia in particular, have seen a rapid rise in use of mobile payment platforms. This has not only revolutionized access to finance for the poor but also allowed them access to other financial products such as savings or insurance. With a growing number of mobile money providers in Zambia, there is need for a solution that would enable integration of the mobile money provider’s systems using a central clearinghouse for purposes of clearing and settlement to achieve mobile money interoperability. In this study, we first reviewed the technical landscape and features of mobile payment systems in Zambia and then assessed the feasibility of using blockchain technology in proposing a settlement and clearing system that would facilitate mobile money interoperability. A prototype system was then designed in which amounts being interchanged between providers are managed as assets on a permissioned blockchain. The system runs a distributed shared ledger, which provides non-repudiation, data privacy and data origin authentication, by leveraging the consistency features of blockchain technology.
关键词：Blockchain; mobile money interoperability; clearing and settlement; blockchain security
