Abstract
With the evolution of mobile technology and the emergence of new devices called "smartphones", a new payment method called "mobile payment" has emerged. Smartphones occupy our daily life, so much so that some people do not imagine their routine life without them. If smartphones occupy the daily life in some African countries, orange money or MTN mobile money known as mobile payment accounts are even more. In Cameroon the mobile accounts (orange money or MTN mobile money) are so important that their use has become almost inevitable. We meet several utilities of these payment methods, we may cite electricity bills, purchase of products and services, payment of school and university fees etc. But this model of payment presents some limits among which we have the problem of ergonomic, proof of a payment and so on. In this work, we offer a secure, simple and powerful mobile payment model for both online using Internet as well as offline using Unstructured Supplementary Service Data (USSD). The payment model must be accessible to all, easy to use and shall support online or offline system. Inspired by the mode of operation of orange money outlets, this model uses two SIM cards, one commercial (seller) and the standard one (buyer). After designing an easy interface composed of two compulsory fields (phone number and amount), a USSD code is executed internally in our system requesting a withdrawal on the customer number. After the confirmation from the customer, the money is transferred to the seller's account. The model does not use of save any confidential information neither for the seller nor for the buyer.
Highlights
The rate of banking services in the sub-Saharan African countries is estimated at 10% unlike developed countries like USA where the rate is 90% [1]
This paper is organized as follows: The first part scrutinizes the generalities on existing payment models, the second part deals essentially with the online payment methods existing in Cameroon
The possibility to a subscriber to have a mobile account with his number has led Cameroonians to turn to another means of payment, so payment by Orange money or MTN mobile money is used in almost all areas: payment of fees. education, payment of bills, payment of fuel, payment of telephone credits etc
Summary
The rate of banking services in the sub-Saharan African countries is estimated at 10% unlike developed countries like USA where the rate is 90% [1]. Every business activity in order to grow and to prosper needs to deal with financial transactions that should be easy to process and secured. Another challenge we are facing is the low Internet connection which leads to poor online services including online payment. Thanks to existing technical ingredients and tools, we have been able to implement our model considering security and integrity constraints linked to such important transaction activities. This paper is organized as follows: The first part scrutinizes the generalities on existing payment models, the second part deals essentially with the online payment methods existing in Cameroon.
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