A low-cost contactless micro-payment framework
- Authors: Grimm, Nicholas Justin
- Date: 2014-06-30
- Subjects: Taxicab industry , Payment , Electronic funds transfers , Mobile commerce , Global positioning system , Near field communication
- Type: Thesis
- Identifier: http://ujcontent.uj.ac.za8080/10210/366994 , uj:11622 , http://hdl.handle.net/10210/11335
- Description: M.Com. (Informatics) , This research has the aim of creating a low-cost, contactless, micro-payment framework to support micro-payments for the informal taxi industry in South Africa. The informal taxi industry is a prime example of an industry that needs simple and effective payments for low-cost services where the primary medium of payment is currently cash. Challenges of currently used are the security of cash, the difficulty for the taxi driver to collect cash, and the auditability of cash from the perspective of the taxi owner. Furthermore, the taxi owner does not know the routes the taxi travels or the petrol that is used by the taxi. Micro-payment transaction volumes are rapidly increasing due to consumer need for simple and effective payments for low-cost items and services. Micro-payment technologies are rapidly growing in popularity and demand, prompting the need for financial institutions to consider investment in the technology. Contactless technology, specifically near-field communication (NFC), is contributing to the exponential growth of micro-payments. Increasingly, consumers are not required to enter security information in order to perform transactions. By bringing a compatible card within range of a suitable reader, a transaction takes place with immediate effect, with little or no involvement from payment providers and financial institutions. Complementary wireless technologies such as GPS enable a multitude of applications by offering positional and speed information. Combining GPS technology with NFC enables contactless positional payment information to be accessible, to present a unique micro-payment concept. This dissertation presents M-Thinta, a low-cost contactless micro-payment model. The M-Thinta prototype demonstrates the real-world operation of the M-Thinta model. The prototype demonstrates that it is possible to create a functional low-cost, contactless micro-payment platform by combining a number of standard low-cost components.
- Full Text:
- Authors: Grimm, Nicholas Justin
- Date: 2014-06-30
- Subjects: Taxicab industry , Payment , Electronic funds transfers , Mobile commerce , Global positioning system , Near field communication
- Type: Thesis
- Identifier: http://ujcontent.uj.ac.za8080/10210/366994 , uj:11622 , http://hdl.handle.net/10210/11335
- Description: M.Com. (Informatics) , This research has the aim of creating a low-cost, contactless, micro-payment framework to support micro-payments for the informal taxi industry in South Africa. The informal taxi industry is a prime example of an industry that needs simple and effective payments for low-cost services where the primary medium of payment is currently cash. Challenges of currently used are the security of cash, the difficulty for the taxi driver to collect cash, and the auditability of cash from the perspective of the taxi owner. Furthermore, the taxi owner does not know the routes the taxi travels or the petrol that is used by the taxi. Micro-payment transaction volumes are rapidly increasing due to consumer need for simple and effective payments for low-cost items and services. Micro-payment technologies are rapidly growing in popularity and demand, prompting the need for financial institutions to consider investment in the technology. Contactless technology, specifically near-field communication (NFC), is contributing to the exponential growth of micro-payments. Increasingly, consumers are not required to enter security information in order to perform transactions. By bringing a compatible card within range of a suitable reader, a transaction takes place with immediate effect, with little or no involvement from payment providers and financial institutions. Complementary wireless technologies such as GPS enable a multitude of applications by offering positional and speed information. Combining GPS technology with NFC enables contactless positional payment information to be accessible, to present a unique micro-payment concept. This dissertation presents M-Thinta, a low-cost contactless micro-payment model. The M-Thinta prototype demonstrates the real-world operation of the M-Thinta model. The prototype demonstrates that it is possible to create a functional low-cost, contactless micro-payment platform by combining a number of standard low-cost components.
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A portal for m-commerce in the student environment
- Authors: Nomnganga, Sonwabile
- Date: 2008-07-14T11:20:19Z
- Subjects: Mobile commerce , Services for students
- Type: Thesis
- Identifier: uj:10444 , http://hdl.handle.net/10210/790
- Description: The evolution and growth of e-commerce has had a major impact in the daily living for the past few years [28]. It has brought and introduced new ways of trading and doing business. It enabled customers to negotiate business deals with companies and come into agreement about the services and goods to be purchased; and even come to the finalization and conclusion of the deals without ever being in the same place or meeting during all those negotiations. The e-commerce systems target the desktop or personal computers (PC s) as the hardware platform for clients. With all such good features and benefits e-commerce has, there is, to mention the least, one limitation that it has and that is mobility . People would still want to engage themselves in business deals whilst mobile. Mobile commerce or m-commerce appears into the scene to complete the journey started by e-commerce, thus it is seen as an extension of e-commerce [21]. Many services have migrated from the traditional e-commerce to m-commerce and that has allowed customers and clients to have access to their services whilst mobile or in motion. The lack of mobility in students services is being seen as a hassle and a problem by some students as they are forced to be fixed in one point at a time in order to get their services. The dissertation aims at addressing the service-related problems students encounter due to the lack of mobility in the University campus. It intends to develop a prototype called Open Mobile Student Portal that would demonstrate how some of the student services could be rendered in the mobile environment. The students could be able to get their balance or fees statements via their cell phones instead of having to go to the finance department in order to get their balance statement. Also, some library services could be rendered in the mobile environment so as to enable students to search for books in the library databases and book such books using their cell phones. , Professor Sebastiaan von Solms
- Full Text:
- Authors: Nomnganga, Sonwabile
- Date: 2008-07-14T11:20:19Z
- Subjects: Mobile commerce , Services for students
- Type: Thesis
- Identifier: uj:10444 , http://hdl.handle.net/10210/790
- Description: The evolution and growth of e-commerce has had a major impact in the daily living for the past few years [28]. It has brought and introduced new ways of trading and doing business. It enabled customers to negotiate business deals with companies and come into agreement about the services and goods to be purchased; and even come to the finalization and conclusion of the deals without ever being in the same place or meeting during all those negotiations. The e-commerce systems target the desktop or personal computers (PC s) as the hardware platform for clients. With all such good features and benefits e-commerce has, there is, to mention the least, one limitation that it has and that is mobility . People would still want to engage themselves in business deals whilst mobile. Mobile commerce or m-commerce appears into the scene to complete the journey started by e-commerce, thus it is seen as an extension of e-commerce [21]. Many services have migrated from the traditional e-commerce to m-commerce and that has allowed customers and clients to have access to their services whilst mobile or in motion. The lack of mobility in students services is being seen as a hassle and a problem by some students as they are forced to be fixed in one point at a time in order to get their services. The dissertation aims at addressing the service-related problems students encounter due to the lack of mobility in the University campus. It intends to develop a prototype called Open Mobile Student Portal that would demonstrate how some of the student services could be rendered in the mobile environment. The students could be able to get their balance or fees statements via their cell phones instead of having to go to the finance department in order to get their balance statement. Also, some library services could be rendered in the mobile environment so as to enable students to search for books in the library databases and book such books using their cell phones. , Professor Sebastiaan von Solms
- Full Text:
A wallet-less mobile payment system using near field communication (NFC)
- Authors: De Bruin, Rossouw
- Date: 2014-10-10
- Subjects: Mobile commerce , Near field communication
- Type: Thesis
- Identifier: uj:12578 , http://hdl.handle.net/10210/12369
- Description: M.Sc. (Information Technology) , With mobile payments and mobile wallets becoming more and more popular, researchers are actively investing more time and funds intro creating solutions that can offer better convenience, efficiency and security in order to make mobile payments easier, faster and more secure. With huge economic boosts that mobile payments and mobile wallets provide, malicious and rogue activities constantly increase and improve in their efficacy. These malicious and rogue activities aim at compromising the security and confidentiality of the mobile payment applications and mobile wallets. The purpose of the research presented within this dissertation is to explore a mobile payment application that does not require the need for any mobile wallet system. With time becoming a constraining factor and mobility more demanded, consumers are inclined to weigh the benefit of speed, efficiency and convenience against security, even though they are well aware of the potential security threats and risks they face. As numerous research articles focus on the use of mobile wallets for mobile payments, this dissertation presents a unique illustration of enabling mobile payments in a person to person and person to point-of-sale (POS) setting. Furthermore, this dissertation investigates the use of Near Field Communication as a means of transferring payment information from a payee to a payer. The use of NFC therefore eliminates the requirement of having to type in account information – which could lead to erroneous payments being made. Lastly, an improved identification, authentication and authorisation mechanism that can ensure legitimate usage of the mobile payment system is also described.
- Full Text:
- Authors: De Bruin, Rossouw
- Date: 2014-10-10
- Subjects: Mobile commerce , Near field communication
- Type: Thesis
- Identifier: uj:12578 , http://hdl.handle.net/10210/12369
- Description: M.Sc. (Information Technology) , With mobile payments and mobile wallets becoming more and more popular, researchers are actively investing more time and funds intro creating solutions that can offer better convenience, efficiency and security in order to make mobile payments easier, faster and more secure. With huge economic boosts that mobile payments and mobile wallets provide, malicious and rogue activities constantly increase and improve in their efficacy. These malicious and rogue activities aim at compromising the security and confidentiality of the mobile payment applications and mobile wallets. The purpose of the research presented within this dissertation is to explore a mobile payment application that does not require the need for any mobile wallet system. With time becoming a constraining factor and mobility more demanded, consumers are inclined to weigh the benefit of speed, efficiency and convenience against security, even though they are well aware of the potential security threats and risks they face. As numerous research articles focus on the use of mobile wallets for mobile payments, this dissertation presents a unique illustration of enabling mobile payments in a person to person and person to point-of-sale (POS) setting. Furthermore, this dissertation investigates the use of Near Field Communication as a means of transferring payment information from a payee to a payer. The use of NFC therefore eliminates the requirement of having to type in account information – which could lead to erroneous payments being made. Lastly, an improved identification, authentication and authorisation mechanism that can ensure legitimate usage of the mobile payment system is also described.
- Full Text:
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