CFP last date
20 January 2025
Call for Paper
February Edition
IJCA solicits high quality original research papers for the upcoming February edition of the journal. The last date of research paper submission is 20 January 2025

Submit your paper
Know more
The week's pick
Responsive image
SFLA-Based Line Balancing and Task Optimization in Master-Slave Controlled Hanger Transportation Systems for Garment Production

Duc Hoang Nguyen
Random Articles
Reseach Article

Past to Present Overview of Mobile Wallet Payments Architectures to Compare and Identify Overall Participants

by Mansi Bosamia, Dharmendra Patel
journal cover thumbnail

International Journal of Computer Applications
Foundation of Computer Science (FCS), NY, USA
Volume 179 - Number 48
Year of Publication: 2018
Authors: Mansi Bosamia, Dharmendra Patel
10.5120/ijca2018917227

Mansi Bosamia, Dharmendra Patel . Past to Present Overview of Mobile Wallet Payments Architectures to Compare and Identify Overall Participants. International Journal of Computer Applications. 179, 48 ( Jun 2018), 10-18. DOI=10.5120/ijca2018917227

@article{ 10.5120/ijca2018917227,
author = { Mansi Bosamia, Dharmendra Patel },
title = { Past to Present Overview of Mobile Wallet Payments Architectures to Compare and Identify Overall Participants },
journal = { International Journal of Computer Applications },
issue_date = { Jun 2018 },
volume = { 179 },
number = { 48 },
month = { Jun },
year = { 2018 },
issn = { 0975-8887 },
pages = { 10-18 },
numpages = {9},
url = { https://ijcaonline.org/archives/volume179/number48/29499-2018917227/ },
doi = { 10.5120/ijca2018917227 },
publisher = {Foundation of Computer Science (FCS), NY, USA},
address = {New York, USA}
}
%0 Journal Article
%1 2024-02-07T00:58:40.095213+05:30
%A Mansi Bosamia
%A Dharmendra Patel
%T Past to Present Overview of Mobile Wallet Payments Architectures to Compare and Identify Overall Participants
%J International Journal of Computer Applications
%@ 0975-8887
%V 179
%N 48
%P 10-18
%D 2018
%I Foundation of Computer Science (FCS), NY, USA
Abstract

In the current trends, smart phones became a continuous necessity of a person. Early era, mobile phones are only used for calls, then for few apps and now for everything by just one touch. Smart phones are exclusively personal devices; they are becoming the substitution of physical cash payment by instant payments with two-factor authentication. There are numerous architectures and security issues identified due to the fast enhancement of mobile wallet services in the markets, and the history of mobile wallet identifies tried and failed solutions. There are still alive possibilities of new promising innovative research. At this point of mobile wallet innovations, we take a literature review on available mobile wallet transaction architectures and identify the number of overall participants in these architectures. This study also gives an analysis of architectures with its use, advantages, disadvantages and comparisons.

References
  1. Dahlberg, Tomi, Niina Mallat, Jan Ondrus, and Agnieszka Zmijewska. "Mobile payment market and research–past, present and future." Presentation at Helsinki Mobility Roundtable, Helsinki, Finland (2006).
  2. Hoofnagle, Chris Jay, Jennifer M. Urban, and Su Li. "Mobile payments: Consumer benefits & new privacy concerns." (2012).
  3. Kasiyanto, Safari. "Security Issues of New Innovative Payments and Their Regulatory Challenges." In Bitcoin and Mobile Payments, pp. 145-179. Palgrave Macmillan UK, 2016.
  4. Khiaonarong, Tanai. "Oversight issues in mobile payments." (2014).
  5. Simplot-Ryl, Isabelle, Issa Traoré, and Patricia Everaere. "Distributed architectures for electronic cash schemes: a survey 1." International Journal of Parallel, Emergent and Distributed Systems 24, no. 3 (2009): 243-271.
  6. Ala-Peijari, Ossi. "Bitcoin The Virtual Currency: Energy Efficient Mining of Bitcoins." (2014).
  7. Security of Mobile Payments and Digital Wallets, ENISA December 2016,  https://www.enisa.europa.eu/publications/mobile-payments-security/at_download/fullReport.
  8. Medvinsky, Gennady, and Clifford Neuman. "NetCash: A design for practical electronic currency on the Internet." In Proceedings of the 1st ACM conference on Computer and communications security, pp. 102-106. ACM, 1993.
  9. Sirbu, M., and Tygar, D. Netbill: An internet commerce system optimized for network delivered services. In Proc. Technologies for the Information Superhighway (COMPCON’95) (San Francisco, California, USA, 1995), IEEE-CS, pp. 22–27.
  10. Chaum, D. Online cash checks. In Proc. Workshop on the Theory and Application of Cryptographic Techniques (EUROCRYPT’89) (Houthalen, Belgium, 1989), vol. 434 of Lecture Notes in Computer Science, Springer, pp. 288–293.
  11. Deng, R. H., Han, Y., Jeng, A. B., and Ngair, T.-H. A new on-line cash check scheme. In Proc. 4th ACM Conference on Computer and Communications Security (CCS’97) (Zurich, Switzerland, 1997), pp. 111–116
  12. Buttyan, Levente, and N. Ben Salem. "A payment scheme for broadcast multimedia streams." In Computers and Communications, 2001. Proceedings. Sixth IEEE Symposium on, pp. 668-673. IEEE, 2001.
  13. Ferguson, Niels. "Extensions of single-term coins." In Annual International Cryptology Conference, pp. 292-301. Springer, Berlin, Heidelberg, 1993.
  14. Chaum, David. "Blind signatures for untraceable payments." In Advances in cryptology, pp. 199-203. Springer US, 1983.
  15. Pagnia, Henning, and Ralph Jansen. "Towards multiple-payment schemes for digital money." In International Conference on Financial Cryptography, pp. 203-215. Springer Berlin Heidelberg, 1997.
  16. Lysyanskaya, Anna, and Zulfikar Ramzan. "Group blind digital signatures: A scalable solution to electronic cash." In Financial cryptography, pp. 184-197. Springer Berlin/Heidelberg, 1998.
  17. Hoepman, J.-H., and Jacobs, B. Increased security through open source. CoRR: Computing Research Repository abs/0801.3924 (2008).
  18. Camenisch, Jan, and Markus Stadler. "Efficient group signature schemes for large groups." Advances in Cryptology—CRYPTO'97 (1997): 410-424.
  19. Chaum, David, and Eugène Van Heyst. "Group signatures." In Advances in Cryptology—EUROCRYPT’91, pp. 257-265. Springer Berlin/Heidelberg, 1991.
  20. Xu, Qiang, and Hong Zhao. "Distributed electronic payment system based on bank union." In High Performance Computing in the Asia-Pacific Region, 2000. Proceedings. The Fourth International Conference/Exhibition on, vol. 1, pp. 548-551. IEEE, 2000.
  21. Yang, Beverly, and Hector Garcia-Molina. "PPay: micropayments for peer-to-peer systems." In Proceedings of the 10th ACM conference on Computer and communications security, pp. 300-310. ACM, 2003.
  22. Wei, Kai, Alan J. Smith, Y-FR Chen, and Bin Vo. "Whopay: A scalable and anonymous payment system for peer-to-peer environments." In Distributed Computing Systems, 2006. ICDCS 2006. 26th IEEE International Conference on, pp. 13-13. IEEE, 2006.
  23. Lipton, Richard J., and Rafail Ostrovsky. "Micro-payments via efficient coin-flipping." In International Conference on Financial Cryptography, pp. 1-15. Springer, Berlin, Heidelberg, 1998.
  24. Gabber, Eran, and Abraham Silberschatz. "Agora: A minimal distributed protocol for electronic commerce." In The Second USENIX Workshop on Electronic Commerce Proceedings, pp. 223-232. 1996.
  25. Xu, Qiang, and Hong Zhao. "Distributed electronic payment system based on bank union." In High Performance Computing in the Asia-Pacific Region, 2000. Proceedings. The Fourth International Conference/Exhibition on, vol. 1, pp. 548-551. IEEE, 2000.
  26. Yacobi, Yacov. "Risk management for e-cash systems with partial real-time audit." Netnomics 3, no. 2 (2001): 119-127.
  27. Zhu, F. M., Sheng-Uei Guan, and Yang Yang. "SAFER e-commerce: Secure agent fabrication, evolution & roaming for e-commerce." Internet commerce and software agents: Cases, technologies and opportunities (2000): 190-206.
  28. Falk, Eric, and Jérémy Charlier. "Your Moves, Your Device: Establishing Behavior Profiles Using Tensors." In International Conference on Advanced Data Mining and Applications, pp. 460-474. Springer, Cham, 2017.
  29. Dahlberg, Tomi, Niina Mallat, Jan Ondrus, and Agnieszka Zmijewska. "Past, present and future of mobile payments research: A literature review." Electronic Commerce Research and Applications 7, no. 2 (2008): 165-181.
  30. Ma, Xiaohua, and Wenxue Wei. "The architecture of mobile wallet system based on NFC (near field communication)." Research Journal of Applied Sciences 7, no. 12 (2014): 2589-2595.
  31. Wu, Huaigu, Louenas Hamdi, and Nolwen Mahe. "Tango: a flexible mobility-enabled architecture for online and offline mobile enterprise applications." In Mobile Data Management (MDM), 2010 Eleventh International Conference on, pp. 230-239. IEEE, 2010.
Index Terms

Computer Science
Information Sciences

Keywords

Mobile Wallet E-cash Consumer Merchant Agent TTP (Trusted Third Party) IFI (Interconnected Financial Institutions)

Powered by PhDFocusTM