MPCS: a secure Mobile Payment Consortia System for higher educational institutions

  • Authors:
  • S. Britto R. Kumar;S. Albert Rabara;J. Ronal Martin

  • Affiliations:
  • Bishop Heber College (Autonomous), Tiruchirappalli, India;St. Joseph's College (Autonomous), Tiruchirappalli, India;St. Joseph's College (Autonomous), Tiruchirappalli, India

  • Venue:
  • Proceedings of the 2nd International Conference on Interaction Sciences: Information Technology, Culture and Human
  • Year:
  • 2009

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Abstract

The emergence of wireless and mobile networks has made possible the introduction of a new research area M-Commerce or Mobile Commerce. Mobile payment is a natural successor to web centric payments which has emerged as one of the sub domains of mobile commerce applications. A study reveals that there are wide ranges of mobile payment solutions and models which are available with the aid of various services such as Short Message Service (SMS), but there is no specific mobile payment system for educational institutions to collect the fees as well as for student community to pay the fees without huge investment. This paper proposes a secured framework for Mobile Payment Consortia System (MPCS) to carry out the transactions from the bank to the academic institutions for the payment of fees by students through mobile phone. Mobile Payment Consortia System provides an end-to-end security using Public Key Infrastructure (PKI) through a Mobile Information Device Profile (MIDP)-enabled mobile device. This framework provides an efficient, reliable and secured system to perform mobile payment transactions and reduces transactional cost for both students and educational institutions. Mobile Payment Consortia System is designed with strong authentication and non-repudiation by employing digital signatures. Confidentiality and message integrity are also provided by encrypting the messages at application level and by using public key certificates and digital signature envelops.