Secure QR-Pay system based on QR-code by expressing 2 dimensional can pay things between User and Shop while Offline. A shop shows payment information by expressing QR-code to display window. A user shots a situation by using mobile Device attached a camera. If a user confirms payment information and ask an approval, the payment system can be settled by itself. It's a very easy system. For this process, payment gateway(PG) helps calculate process in connection with payment. This system we proposed provides non-repudiation and confidentiality of payment information. Also, it offers mutual Authentication between user and shop to use public certificate.

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Secure quick response-payment(QR-Pay) system using mobile device

Communication between the near field communication (NFC) devices occurs in a very close distance of less than 10 cm. In the NFC-based payment system, close proximity between devices will increase the security of transactions. The disadvantage is the interaction between devices requires more physical activity of device owners because the device must be brought near to other devices some times. Besides requiring more physical activity, NFC-based interaction also takes a longer time because the device needs to be moved from one position to another. This paper proposed Secure and efficient protocol that will reduce the physical activity of the device owners and reducing transaction time. The data sending between merchant and payer will be executed without waiting for each other and one transaction will require two data transmissions are performed by the merchant and payer. Transactions are secured by the use of encryption on each data which sent by the merchant and payer. In addition, the protocol also guarantees the security of offline micro transactions and online macros transactions.

Efficient tag-to-tag near field communication (NFC) protocol for secure mobile payment

Near Field Communication (NFC) is a short-range communication technology and has been applied around the world. The most common service of NFC will be micropayments. Technically, the card emulation mode of NFC will simulate mobile devices such as cell phones into stored value cards, and then debit from external readers. Apart from simulating cell phones as stored value cards, read-write mode of NFC enables the ability of devices to read and write external cards. In the context of micropayments, cell phone can be as the POS devices to read the balances from external cards and perform the actions of debiting or storing value. In this application condition, it is important to store keys of external cards securely when reading and writing. First, we discuss the security issues of key storage of NFC devices as reading and writing external card, analyze the possible risk of every solution. Last, we propose a secure and practical NFC key management mechanism and apply it on contactless mobile debit. According to the implementing results, the mechanism performs well in the efficacy and the user satisfaction.

A secure and practical key management mechanism for NFC read-write mode

A Novel Mobile Payment Scheme based on Secure Quick Response Payment with Minimal Infrastructure for Cooperative Enterprise in Developing Countries

Advances in mobile communication and information technology have resulted in wireless sensor network (WSN) systems in which mobile phones (smart phones) can be used to conduct a wide variety of commercial, social, entertainment, and file-sharing transactions. In particular, mobile commerce (m-commerce) allows users to conduct payment, business, and service transactions over portable mobile devices. This trend has been enhanced by the development of near-field communication (NFC) technology and the increased market for NFC-embedded (smart phones). NFC technology is a standards-based wireless communication technology that allows data to be exchanged between devices located a few centimeters apart, such as radio-frequency identification (RFID tags and readers). To refine the m-commerce process in the NFC-based mobile environment, we study NFC and location-based services propose a WSN-hosted m-payment system based on these technologies.

https://journals.sagepub.com/doi/pdf/10.1155/2014/865172

Proposed M-Payment System Using Near-Field Communication and Based on WSN-Enabled Location-Based Services for M-Commerce

Near Field Communication is a short-range wireless communication technology. The majority of handset manufacturers showed interests in it and invested in developing NFC-enabled devices. Several NFC trials and researches have been launched all over the world. However, these trials only used NFC-enabled handset as a contactless smart card. It did not really reveal the ability of NFC technology. In order to adapt to the verity of commerce process for NFC-based mobile environment, we propose a generic model for NFC-based mobile commerce (NMC). The model characterizes the issues and technologies involved in the processes, including service initialization, ordering, payment, shipping/collection, loyalty management, and customer service. Based on NMC model, we implement in a traditional meal service to verify the feasibility and flexibility of the model.

Pin-Hung Chen

Papers

A generic model for NFC-based mobile commerce