In this paper, a system for controlling transaction flow in card-based payment systems and its performance benefit using mobile agents is presented. The model consists of the negotiation semantics, the mobile agent module, and three interactive systems in e-payment: the bank, point-of-sale (POS), and the Interswitch. We present a mobile agent-based scenario for e-payment system and discuss the ...

Mobile IP enables a mobile node (MN) to move around without losing their transport-layer connectivity by using resources in a foreign domain network. Mobile IP (MIP) is expected to be the core infrastructure of future mobile communication, but two services must be provided before the wide deployment of MIP. One is to provide secure communication and the other is to make payment. Security servic...

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In this paper, we present an assessment of near eld communication (NFC) in the context of a payment market. During these past years, we have been witnessing a number of mobile payment trials based on NFC. Early experiences are already quite encouraging and many expect NFC to become a highly efcient and effective technology for mobile payments. The objective of our research is to evaluate in a s...

M-Commerce is defined as any transaction with monetary value that is conducted via a mobile telecommunications network. M-Commerce like ECommerce can be B2B (business to business), P2P (person to person) or B2C (business to customer) oriented. The framework divides into couple sub areas based on user’s distribution criterion. Mobile Ecommerce addresses electronic commerce via mobile devices, wh...

As the mobile technologies and services are in constant evolution, many speculate on whether or not mobile payments will be a killer application for mobile commerce. To have a better understanding of the market, there is a need to analyze not only the technology but also the different actors that are involved. For this purpose, we propose to conduct two disruption analyses to draw the disruptiv...

Over the last decade, Africa has become a global leader in mobile money—cashless electronic payment that use mobile telephones as the main payment mechanism, rather than using a smartphone only as a conduit to a user’s bank or credit card account. More than half the mobile money companies in the world operate in Africa. In 2014, the most recent year for which figures are available, the mobile m...

Mobile off-line payment enables purchase over the counter even in the absence of reliable network connections. Popular solutions proposed by leading payment service providers (e.g., Google, Amazon, Samsung, Apple) rely on direct communication between the payer’s device and the POS system, through Near-Field Communication (NFC), Magnetic Secure Transaction (MST), audio and QR code. Although pre-...

This paper focuses on the triumph march of mobile phones that currently are annexing music players, navigation devices, and cameras as separate physical objects. The next target is set on payment. Through synthesizing available literature, we construct a framework for studying digital payment platforms that combines platform, technology and business design aspects. The framework is applied to c...