A Secure Operational Model for Mobile Payments

Abstract EN

Instead of paying by cash, check, or credit cards, customers can now also use their mobile devices to pay for a wide range of services and both digital and physical goods.

However, customers’ security concerns are a major barrier to the broad adoption and use of mobile payments.

In this paper we present the design of a secure operational model for mobile payments in which access control is based on a service-oriented architecture.

A customer uses his/her mobile device to get authorization from a remote server and generate a two-dimensional barcode as the payment certificate.

This payment certificate has a time limit and can be used once only.

The system also provides the ability to remotely lock and disable the mobile payment service.