Towards a trustworthy short-range mobile payment system
Semir Daskapan, Jan van den Berg, Hesham Ali · International Journal of Information Technology and Management · 2010
In commercial clusters, like shopping malls, subways and university campuses, shops may act as service providers. Via proximity networks, they can provide services to users with short-range radio mobile devices, including financial services. Short-range mobile payment services represent therefore an alternative business opportunity for the financial industry. By enlisting these short-range services, users are not required anymore to have and to rely on cell phones only. In this paper, we propose a mobile payment model for any service cluster where users can clear their payments using short-range mobile devices only. Due to the possible lack of a (reliable) long range wireless communication network on the user's side in this design, the service provider also acts as a payment gateway. The schema is designed to be trustworthy, since it includes a balanced trust model and an autonomous trust valuator.