An Architectural Design for Secure Mobile Remote Macro-Payments

The high market penetrations of mobile personal devices including mobile phones, PDAs have paved a way for the development of new application models in Mobile Commerce. Mobile phones are well suited with mobile commerce to reach the customers anywhere and at any time. Mobile Payments are the natural evolution of e-payment schemes that facilitate mobile commerce. The mobile payment markets are categorized into a combination of micro/macro-payments and remote/local mobile payment environments. A study reveals that there are different initiatives have already been launched in mobile remote macro-payment areas such as PayPal Mobile or Google Checkout Mobile. However, those initiatives are focused on a limited number of m-payment opportunities. For example, PayPal focused on P2P payments and mobile shopping via SMS. Also, the existing systems are still suffering from security breaches. This paper proposes an architectural design for Secure Mobile Payment System that supports remote macro-payments. The main aim of this architecture is to achieve end-to-end security using symmetric operations. Since the development of secure mobile payment system for remote macro payments is a hot research topic in research community, this paper proposes an effective architecture to carry out the payment transactions between the customer and merchant. The proposed architecture ensures high level security in transactions and provides convenient payment mechanism.