The PIN based single level authorization of Mobile Payment System suffers several security leakage problems. Integrating biometric identifier as one more level of authorization increases the robustness of the payment system. But as mobile device and wireless network has certain constraint, so it is not possible to use any biometric identifier for authentication. This paper presents a comparativ...

The growth of mobile commerce is directly related to the increase of ownership and use of mobile personal, programmable communication devices, including mobile phones and PDAs. These devices provide effective authorisation and management of payment and banking transactions since they are capable of offering security and convenience advantages compared with existing methods, such as credit/debit...

With recent developments in mobile technologies, tourism mobile payment(m-payment) is beginning to offer interesting and beneficial new services. This research aimed to identify the factors determining tourists’ acceptance of tourism m-payment. Based on literature relating to the TAM theory, the conceptual model is developed and tested in this research. This research extends the applicability o...

The Bank of Finland’s Finnish Payment Habits 2010 project predicts that Finnish payment habits will face substantial changes. The causes for these changes include: the standardisation and integration of European payment systems, development of payment services-related legislation and regulation at EU level, changes in payment services-related cost factors and pricing, and new opportunities offe...

In electronic commerce, the challenges of payment transactions were initially underestimated. Business via the internet and mobile telephony has so far been dominated by the methods of payment systems in traditional business. However, in light of advances in e-commerce, traditional business models are increasingly coming up against their limits. To understand the concept of electronic commerce,...

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 base...

Mobile payments still remain essentially an emerging technology, seeking to fill the gap between the envisioned potential and widespread usage. In this paper, we present an integrated mobile service solution based on the near field communication (NFC) protocol that was developed under a research project called MobiPag. The most distinctive characteristic of Mobipag is its open architectural mod...

In recent years, a number of new payment solutions have been introduced with little success. The solutions have mostly been technology driven at the cost of convenience and value to the consumer. In this research in progress we investigate what characteristics of mobile payment solutions increase or decrease consumers' willingness to adopt these solutions. We also specify managerial implication...

commerce, is still at the start. In this paper, we propose an extension of existing mobile payment models to introduce an extended mobile payment service (EMPS) model, which is based on assumptions about the cooperation between mobile network operators and financial institutions to deal with different payment amounts ranging from micro to macro payment. The novel model focuses on enhancement of...