Abstract
As an increasing number of people purchase goods and services online, micropayment systems are becoming particularly important for mobile and electronic commerce. We have designed and developed such a system called M&E-NetPay (Mobile and Electronic NetPay). With open interoperability and mobility, M&E-NetPay uses web services to connect brokers and vendors, providing secure, flexible and reliable credit services over the Internet. In particular, M&E-NetPay makes use of a secure, inexpensive and debit-based off-line protocol that allows vendors to interact only with customers, after validating coins. The design of the architecture and protocol of M&E-NetPay are presented, together with the implementation of its prototype in ringtone and wallpaper sites. To validate our system, we have conducted its evaluations on performance, usability and heuristics. Furthermore, we compare our system to the CORBA-based (Common Object Request Broker Architecture) off-line micro-payment systems. The results have demonstrated that M&E-NetPay outperforms the .NET-based M&E-NetPay system in terms of performance and user satisfaction.
Highlights
Mobile commerce is concerned with conducting business transactions and providing services on portable, wireless devices over the Internet [1]
In order to overcome this barrier, in this paper, we present an off-line micropayment model that uses web services rather than CORBA as the middleware
From different perspectives of end users, we evaluate the M&E-NetPay based micro-payment system by collecting and analysing customer views
Summary
Mobile commerce is concerned with conducting business transactions and providing services on portable, wireless devices over the Internet [1]. Middleware interfaces: The recently-developed NetPay makes use of an off-line micro-payment model with a CORBA interface as a middleware that interconnects broker and vendor sites [18]. This prototype is suitable for ecommerce applications. E-coins in M&E-NetPay are transferred between multiple vendors, so that M&E users can make multiple purchases Another challenge in the design of micro-payment systems is the minimization of overheads on the servers of the sites of brokers and vendors. The architecture with Web Services provides fast, secure and inexpensive communications amongst mobile users and vendor systems. M&E-NetPay architecture supports servers running on different platforms and vendor applications developed by using different programming languages.
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