Title: Towards a trustworthy short-range mobile payment system

Authors: Semir Daskapan, Jan Van den Berg, Amr Ali-Eldin

Addresses: Delft University of Technology, P.O. Box 5015, 2600GA Delft, The Netherlands. ' Delft University of Technology, P.O. Box 5015, 2600GA Delft, The Netherlands. ' Accenture Nederland, Gustav Mahlerplein 90, 1082 MA Amsterdam, The Netherlands

Abstract: In commercial clusters, like shopping malls, subways and university campuses, shops may act as service providers. Via proximity networks, they can provide services to users with short-range radio mobile devices, including financial services. Short-range mobile payment services represent therefore an alternative business opportunity for the financial industry. By enlisting these short-range services, users are not required anymore to have and to rely on cell phones only. In this paper, we propose a mobile payment model for any service cluster where users can clear their payments using short-range mobile devices only. Due to the possible lack of a (reliable) long range wireless communication network on the user|s side in this design, the service provider also acts as a payment gateway. The schema is designed to be trustworthy, since it includes a balanced trust model and an autonomous trust valuator.

Keywords: mobile payments; m-payments; privacy; security; proximity networks; commercial clusters; shopping malls; subways; underground stations; university campuses; shops; retailing; short-range radio; financial services; electronic commerce; e-commerce; service clusters; mobile phones; cell phones; long range wireless; payment gateways; balanced trust model; autonomous trust valuator; mobile computing; information management; ICT; information technology; communications technology.

DOI: 10.1504/IJITM.2010.030947

International Journal of Information Technology and Management, 2010 Vol.9 No.3, pp.317 - 336

Published online: 14 Jan 2010 *

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