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Design and application of mobile payment system with Embedded Systems and Service Oriented Architecture

Due to the issues like fraudulent use, loss or damage with using credit cards, researchers are focused on developing alternative payment methods. A simple but yet versatile and secure electronic payment technology could be implemented by the use of Mobile Telephones, that will eliminate the security related problems due to the use of card based electronic payment devices. In this paper, we illustrate the use of mobile communication devices as versatile, secure and simple micro-payment tools, which satisfy the related financial, technological, computational and managerial requirements. The versatility and security of the method comes from the use of mobile phone and Variable Transaction Number in each transaction. Additionally, we demonstrate usages and details of technologies such as Service Oriented Architecture (SOA) and Embedded Systems which can be used to accomplish mobile payment.