The growing prevalence of electronic commerce and the widespread use of mobile devices have made mobile payments an interesting alternative method of payment for customers and merchants. One major issue to be resolved is the integration of a real-time wireless means of payment within their current payment system. In this paper, we propose an architecture of mobile payment system to improve busi...

The popularity of mobile platforms makes them a good candidate for electronic payment. However, there are challenges in this field such as privacy protection, security, the bandwidth limitations of mobile networks, and the limited capabilities of mobile devices. Traditional e-commerce payment protocols were designed to keep track of traditional flows of data, are vulnerable to attacks and are n...

Mobile payment is an emerging and important application of mobile commerce. The adoption and use of mobile payment services are critical for both service providers and investors to profit from such an innovation. The present study attempts to identify the determinants of pre-adoption of mobile payment services and explore the temporal evolution of these determinants across the pre-adoption and ...

New mobile consumers are demanding access to a wider range of applications and services, convenient payment for digital content and physical goods, and integrated financial management services. As mobile devices evolve into ‘smart devices’, the primary requirements for realizing the digital contents providing services are to implement the compatibly secure payment protocol on m-commerce environ...

Prepaid mobile phone plans are gaining in importance in the U.S. and are already well established in Europe. Aggregation of a certain number of Micropayments is the preferred business model for wireless carriers to leverage the existing payment infrastructure with a mobile payment solution. There exist various Payment Scenarios that are based on the Wallet metaphor, and in general, they can be ...

Mobile proximity payment has been discussed for more than a decade, but now it seems close to the maturity and it seems that its mass diffusion has now started. Expectation for Mobile Payment diffusion worldwide is justified by the fact that in 2010 more than three billion people owned a mobile handset [1]. Mobile commerce is a natural successor to electronic commerce. The capability to pay ele...

The mobile phone has become a common and empowering communication tool, with approximately 6 billion mobile devices currently in use worldwide (ITU, 2011). The rapid development of handheld and mobile technology has created opportunities to use such devices beyond the instant communication purposes for which they were originally designed. Mobile commerce (m-commerce) has become an important cha...

Electronic payment systems are of paramount importance in our current digital society. Security and privacy constitute crucial challenges in this area. Electronic money is indeed just digital information that can easily be copied. Moreover, users automatically leave an electronic trail of all their activities in the digital world. In this thesis an advanced infrastructure for secure and anonymo...