Abstract
Objectives: In this research work, we proposed and designed a QR code, 2FA authentication based mobile payment system (Quickpay) for Nigerian universities with focus on Ebonyi State University, Abakaliki. Quickpay mobile payment system will aide student in the payment of all the necessary fees required by the university. Methods and Analysis: We deployed object oriented analysis and methodology where we utilized Unified Modelling Language (UML) in analyzing and modelling the new system. Then, the methodology facilitated the use of competent high level programming tool (PHP programming language) for the development of the software (Quickpay mobile app) after detailed system analysis and design. Findings: When using the system proposed in this study, the different security model used in design of mobile payment solution which was seamlessly integrated into the system that will ensure authorized access. This model deploys 2FA authentication system at the initial stage of verification and an SMS token (request for SMS code and User ID) at the second stage of verification to guarantee user access to the system. On successful authentication, the user uses phone to scan the QR code and send an SMS using USSD code and payment code user will click on generate invoice in the form QR code, the user will use a mobile generated form of the invoice to complete the payment transaction. Application Improvements: Despite the QR code system as deployed in most mobile payment system, Quickpay is designed to seamlessly interface with the university portal while utilizing several layers of possession factor authentication methods. This includes an SMS module to generate a security token for authentication and the 2FA authentication system. Keywords: Mobile Payment, Mobile Technology, QR code, 2FA Authentication, USSD Code
Highlights
Due to the rapid increase in the use of mobile technology such as mobile phone, PDAs and other mobile device etc, to communicate, send and receive message, perform several vital activities: business companies, industries and institutions have discovered a new way of adopting mobile device to transact business in terms of payment for goods and services
If code and user ID was successful, the APP will launch the user to the Dash board interface where the phone will scan the Quick Response (QR) code and send an SMS using Unstructured Supplementary Service Data (USSD) code and payment code user will click on Generate invoice in the form QR code, the user will use a mobile generated form of the invoice
The user uses phone to scan the QR code and send an SMS using Use a Short Code (USSD) code and payment code user will click on generate invoice in the form QR code, the user will use a mobile generated form of the invoice
Summary
Due to the rapid increase in the use of mobile technology such as mobile phone, PDAs and other mobile device etc, to communicate, send and receive message, perform several vital activities: business companies, industries and institutions have discovered a new way of adopting mobile device to transact business in terms of payment for goods and services. The camera and satellite Navigation are integrated into mobile phone as you don’t need to carry many devices on yourself Because of this exceptional features and mobile phone being available in the hand of many individual, mobile phones has been considered as a commercial viable instrument for carrying out various types of activities,. Mobile payment is fast growing and business transactions are done with ease based on the agreement between the customer and vendor It has given a new phase of life to the general public, the mobile phones are used for oral communication rather can serve several purposes. Quickpay mobile payment system will provide the university with report on daily basis without stress It is instant; student can obtain a receipt as soon as they pay
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