This chapter introduces a new micro-payment scheme that is able to apply to multi-party for mobile commerce, which allows a mobile user to pay every party involved in providing services. The micro-payment, which refers to low-value financial transactions ranging from several cents to a few dollars, is an important technique in mcommerce. Our scheme is based on the hash function and without any ...

The U.S. payment market has attracted increasing attention from technology firms and their investors seeking to capitalize on mobile and cloud technologies and the growing trend in consumer adoption of smartphones. Although consumers in the United States largely have not adopted mobile payments, merchants believe these technologies will address some current barriers to the use of mobile payment...

The growth of mobile commerce, or the purchase of services or goods using mobile technology, heavily depends on the availability, reliability, and acceptance of mobile wallet systems. Although several researchers have attempted to create models on the acceptance of such mobile payment systems, no single comprehensive framework has yet emerged. Based upon a broad literature review of mobile tech...

In this paper we present a study that unveils the technological and organizational preferences of various industries for mobile payment developments in Switzerland. Despite the expected success, mobile payments remain at an early stage of development in most countries. At this point, there is a real need for better understanding of the factors hindering the deployment of mobile payments. We con...

While research studies of digital and mobile payment systems in HCI have pointed out design opportunities situated within informal and nuanced mobile contexts, we have not yet understood how we can design digital monies to allow users to use monies more easily in these contexts. In this study, we examined the design of Alipay and WeChat Wallet, two successful mobile payment apps in China, which...