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The Design of Payment Model for Financial Transaction Using MyKad

Smart card known as Mykad is increasingly being implemented to support the business transaction in Malaysia. However, to utilize the full spectrum of Public Key Infrastructure {PKI} is still not available because there is no public portal provided to conduct such transactions. It is hard to convince public and due to lack of promotion even it has been launched five years ago. Hence, the objective of this research is to propose a conceptual framework of MyKad Payment Model which integrates business transaction process, provided hashing and multithreading activities to support the user authentication phase. The framework indicates the critical business transaction process.