An agent-oriented mobile payment system secured using a biometrics approach

摘要

The significant market growth of mobile commerce brings challenges for individuals, society and technology. The creation and maintenance of secure identities for online payment has emerged as an important priority for business and consumers. In order to address some of these challenges, an agent-oriented Biometric Mobile Payment (BMP) system is developed to provide a platform-independent payment system compatible with mobile phones. This system combines two elements: a mobile two-dimensional barcode reader and a Mobile Biometric Identification (MBI) system. In this application, mobile phone users can use the two-dimensional barcode reader to scan the barcodes of products or a bill that they would like to purchase or pay, and make payments via the mobile phone using the MBI system. By using this approach, fraud committed by impostors and the risks for financial institutions and mobile phone operators can be greatly reduced. By adopting the agent-oriented system design, the MBI system and mobile two-dimensional barcode reader can be used as stand-alone tools or they can collaborate seamlessly as a BMP system. The reusability of the software agents also allows more applications to use the MBI and BMP systems in future applications.