Integrated payment system for micro payment

摘要

The usage of electronic payment in Indonesia shows a remarkable growth, especially on micro payment. However, the existing systems cannot be interchangeable and each system used their proprietary device. This condition leads to inefficiency at the user. In this paper, we propose an integrated electronic payment system. The system use e-cash that can exchanged between multiple banks. It also can support multiple devices as long as it uses Near Field Communication.