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The Scientific World Journal
Volume 2014, Article ID 626243, 14 pages
http://dx.doi.org/10.1155/2014/626243
Research Article

A Secure Operational Model for Mobile Payments

Department of Computer Science and Information Engineering, National Dong Hwa University, Hualien 97401, Taiwan

Received 20 May 2014; Accepted 8 August 2014; Published 20 October 2014

Academic Editor: Jung-Fa Tsai

Copyright © 2014 Tao-Ku Chang. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

Abstract

Instead of paying by cash, check, or credit cards, customers can now also use their mobile devices to pay for a wide range of services and both digital and physical goods. However, customers’ security concerns are a major barrier to the broad adoption and use of mobile payments. In this paper we present the design of a secure operational model for mobile payments in which access control is based on a service-oriented architecture. A customer uses his/her mobile device to get authorization from a remote server and generate a two-dimensional barcode as the payment certificate. This payment certificate has a time limit and can be used once only. The system also provides the ability to remotely lock and disable the mobile payment service.