| || || Ayoade, Oluwatomi.|
| || || Micro-payment adoption for multiple vendors in mobile commerce environment|
Institution: University of the South Pacific.
Call No.: Pac HF 5548 .34 .A96 2007
Copyright:Under 10% of this thesis may be copied without the authors written permission
Abstract: Across the spectrum of wireless services (mobile games, location-based services, entertainment), development is hampered by unsuitable payment methods. There are several existing and competing mobile micro-payment systems, protocols and models for payment of low-value and high-volume transactions in mobile commerce. Most of these protocols are not suitable for payment to multiple vendors. They also have high transaction costs (communication, computation, operational, managerial, and processing) of payment for individual transactions. More so, they do not provide high security, ease of use and convenience of payment transactions to customers most especially "the Mobile Users". Mobile electronic payment systems must provide secure, efficient, usable and reliable environments which are the key issues in mobile commerce system development. Solutions to existing problems of mobile micro-payment will require considerations for the high volume (frequency) of transactions and low value items. In addition, it must consider the ease of access to make payments, and convenience of using funds or an alternative for purchasing services, commodities and information on the Internet via mobile and wireless devices. Wireless payment must also incorporate the two essential features added to electronic commerce: accessibility and mobility. These considerations have motivated the research conducted in this thesis. This thesis focuses on evaluating existing and competing frameworks and protocols for mobile payment. A framework is introduced to overcome the limitations of wireless network and solve the problems arising from the current existing micro-payment schemes of mobile payments. The major focus of this thesis is to propose a more practical method for making micro-payment over wireless devices such as mobile phones particularly for low value, high frequency purchases that will be more easily accessible and mobile.