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An Integrated Mobile Phone Payment System Based on 3G Network International Journal of Electronics and Electical Engineering Volume 1 Issue 2 Article 11 October 2012 An Integrated Mobile Phone Payment System Based on 3G Network Rahul Gaikwad Department of Computer & IT, NMU Godavari College of Engineering, Jalgaon (MS), [email protected] Shubham Chaudhari Department of Computer & IT, NMU, Godavari College of Engineering, Jalgaon (MS), India, [email protected] Dhanwanti Gaikwad Department of Computer & IT, NMU, Godavari College of Engineering, Jalgaon (MS), India, [email protected] Follow this and additional works at: https://www.interscience.in/ijeee Part of the Power and Energy Commons Recommended Citation Gaikwad, Rahul; Chaudhari, Shubham; and Gaikwad, Dhanwanti (2012) "An Integrated Mobile Phone Payment System Based on 3G Network," International Journal of Electronics and Electical Engineering: Vol. 1 : Iss. 2 , Article 11. Available at: https://www.interscience.in/ijeee/vol1/iss2/11 This Article is brought to you for free and open access by Interscience Research Network. It has been accepted for inclusion in International Journal of Electronics and Electical Engineering by an authorized editor of Interscience Research Network. For more information, please contact [email protected]. An Integrated Mobile Phone Payment System Based on 3G Network An Integrated Mobile Phone Payment System Based on 3G Network Rahul Gaikwad#, Mr. Shubham Chaudhari *, Ms. Dhanwanti Gaikwad # #Department of Computer & IT, NMU Godavari College of Engineering, Jalgaon (MS) *Godavari College of Engineering Jalgaon (MS), India Email: [email protected],[email protected],[email protected] Abstract—Along with globally approaching of the implementation of 3G era will promote the further 3G era, the progress of mobile communication development of mobile commerce. In this situation, technology and the development of mobile the mobile payment may become more and more terminal devices will rapidly promote the critical and commendably highlight the mobilization development of traditional characteristics and trends of the mobile mode of Ecommerce. In order to ensure it to achieve further development, secure, flexible and reliable internet technology. As the core of mobile commerce, mobile payment system is becoming more and mobile payment is a new payment method, which is more important. Compared with the payment coincident with the characteristic of mobile pattern of ordinary commerce, there will be commerce, developing with the progress of mobile profound changes in the mobile payment, such as communication technologies and the performance special payment channel, payment carrier and etc. improvement of mobile devices. After deep studying about previous payment Researches about mobile commerce and methods and future 3G communication mobile payment have increased significantly with the technology, this paper introduces a new mobile emphasis on identifying new applications, designing payment model by combining with IC chip, frameworks, and engineering network solutions. mobile phone and mobile internet, and then gives Mobile payment is a natural successor to traditional some improvement measures for current internet payment, which has emerged as one of the settlement mechanisms in the network sub domains of mobile commerce applications. transaction, which is entirely around payment Referring to the definition in the mobile payment channel, payment carrier, security authentication forum, the mobile payment is the payment activity and other key issues in 3G environment. The real through mobile terminals between buyers and sellers time processing of information flow, capital flow in the mobile commerce. Nowadays, it has achieved and logistics in mobile environment can be easily significant development in many countries. achieved, forming a complete and reliable For instance, according to the research business operation for mobile users, which can report of ADLittle Agency, mobile payment services bring some great conveniences and profound have won a very good development in Japan and influences for mobile payment industry. Korea, most of banks in the Korea has offered mobile bank services, and the number of mobile payment transactions has been increasing day by day. In the Index Terms—mobile payment, mobile phone, 3G, Japan, NTT DoCoMo is one of the more successful integrated payment system operators for developing mobile payment services, which carried out a bold taste in the realization I. INTRODUCTION methods and value joint models, having achieved lots of good results. The most important is that non- With the increase in the quantities of mobile contact communication technology has become communication users and the improvement of mobile increasingly popular in Japan from 2005, which was communication rate, mobile phones already not regarded as a dominant technology in the mobile merely limited in providing communication channels payment services. and entertainment services, and high bandwidth In China, the mobile payment service was launched wireless data channel and mobile payment in 1999, when the China Mobile Communication technologies can assist them to play an important role Corporation and Commercial bank worked together in mobile commerce. Certainly, the wide range to launch mobile payment services in 17 provinces, including Beijing, Shanghai, etc. So far, mobile International Journal of Electrical and Electronics Engineering (IJEEE), ISSN (PRINT): 2231 – 5284, Volume-I, Issue-2 128 An Integrated Mobile Phone Payment System Based on 3G Network payment services have been made use of in most II. RELATED WORK provinces. Furthermore, the huge number of mobile A. Mobile Payment users and bank card users in China provides attractive According to the definition of mobile payment in application base for the development of mobile mobile payment forum, mobile payment is the payment. In other word, there will be a huge market financial transactions for some services and products space with full potential and a well-behaved between the trading parties through mobile terminals, development prospects in mobile payment service in which can be mobile phone, PDA, mobile computer China. Since from the end of 2004, there has been an or mobile POS machine. That’s to say, businessmen obvious growth trend in mobile payment services of or service providers offer commodities or services for some major third-party mobile operators, which consumers, who then transfer the regulated electronic promoted the coverage area of mobile payment to money from their own mobile-phone-bound account become wider and wider, other sectors of the industry to the account of the businessmen or service chain also have been more and more active to seek providers through mobile phones, with the assistance opportunities for cooperation. In particular, it has of mobile payment environment providers. Compared been regarded as one best business to increase user with online payment, the mobile payment involves stickiness and improve user satisfaction. The with one more roles, namely mobile payment emergence of 3G era can improve the communication environment provider, which occupies an important rate in mobile environment, which is also a booster position in the whole payment process since the for the further application of mobile payment. trading could only be completed with the vigorous As an integration product of electronic cooperation of mobile communication operators currency and mobile communication, mobile mainly due to the insecurity of mobile payment and payment has many advantages, first, it is more its immaturity. Mobile payment makes it available to convenient and easy-to-use than traditional payment conduct trading anytime and anywhere, which is the manners, secondly, its compatibility is also better by biggest advantage of this mode of payment, and it is reason of there are only two mobile operators in characterized by mobilization and individualization. China, consisting of China Mobile and China But just by this account, the security of trading is Unicom. Moreover, the payment cost of mobile weakened, and the relatively late practical application payment is lower. The development space of mobile is one of the reasons for insufficient security. payment market is large and with rapid growth, the Relative to traditional online payment measures, applications of mobile payment services have not mobile payment is not very mature yet, which is to be reached the desired level. It is because these are some perfected in terms of mobile communication urgent problems, such as encrypted problem during techniques and mobile service delivery modes. transmission process, lack of identify certify, lack of B. Existing Modes of Mobile Payment authentication system. Therefore, strengthen In general, there are two usual forms of mobile technical support and ensure transaction securities are payment in China, namely fee account mobile very necessary to promote the mobile payment payment and bank card mobile payment. Mobile fee service. In this paper, we introduce a new mobile account payment, which is a very common form of payment model by combining with IC chip, mobile payment, is to conduct mobile payment by making phone and mobile internet, and then make some use of people’s fixed mobile fee accounts. In this improvement for current settlement mechanism, mode, mobile consumers, mobile payment around payment channel, payment carrier, security environment providers and vendors are the core authentication and other key
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