Near field communication based mobile payment system

Gerald Madlmayr, Josef Langer, Josef Scharinger

Research output: Chapter in Book/Report/Conference proceedingsConference contributionpeer-review

3 Citations (Scopus)

Abstract

In daily life, ordinary cash is more and more replaced by electronic means of payment. Where on the one hand side macro payment systems are well covered by credit cards, micro payment systems still suffer from different technological and usability issues. Besides usability, security in payment systems has always been a hot topic ever since. In this paper we present a new, promising approach for a purse-based micro payment system. Our system relies on a prepaid wallet having the money stored in a secure chip in the mobile phone. The proximity technology Near Field Communication (NFC) is used to conduct contactless payment transactions at the point of sale (POS). Additionally the wallet can be topped up over the air (OTA), anywhere and anytime. The combination of OTA top-up and NFC payment transactions make this system very convenient as the data acquired during an eight month trial shows. Users benefit from the system as they do need to head for an AT M to load money into the wallet. This system is also advantageous for banks and payment providers as there is no need to issue smartcards. Besides the technological aspects of NFC and the implementation of the payment system, this paper also presents the results of an eight month trial with 75 participants.

Original languageEnglish
Title of host publicationMobile und Ubiquitaere Informationssysteme - Technologien, Prozesse, Marktfaehigkeit, Proceedings zur 3. Konferenz Mobile und Ubiquitaere Informationssysteme, MMS 2008
Pages81-93
Number of pages13
Publication statusPublished - 2008
Event3. Konferenz Mobile und Ubiquitaere Informationssysteme - Technologien, Prozesse, Marktfaehigkeit, MMS 2008 - 3rd Conference on Mobile and Ubiquitous Information Systems - Technologies, Processes, Marketability, MMS 2008 - Munich, Germany
Duration: 26 Feb 200828 Feb 2008

Publication series

NameLecture Notes in Informatics (LNI), Proceedings - Series of the Gesellschaft fur Informatik (GI)
VolumeP-123
ISSN (Print)1617-5468

Conference

Conference3. Konferenz Mobile und Ubiquitaere Informationssysteme - Technologien, Prozesse, Marktfaehigkeit, MMS 2008 - 3rd Conference on Mobile and Ubiquitous Information Systems - Technologies, Processes, Marketability, MMS 2008
CountryGermany
CityMunich
Period26.02.200828.02.2008

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