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As an increasing number of people purchase goods and services online, micropayment systems are becoming particularly important for mobile and electronic commerce. We have designed and developed such a system called M&E-NetPay (Mobile and Electronic NetPay). With open interoperability and mobility, M&E-NetPay uses web services to connect brokers and vendors, providing secure, flexible and reliable credit services over the Internet. In particular, M&E-NetPay makes use of a secure, inexpensive and debit-based off-line protocol that allows vendors to interact only with customers, after validating coins. The design of the architecture and protocol of M&E-NetPay are presented, together with the implementation of its prototype in ringtone and wallpaper sites. To validate our system, we have conducted its evaluations on performance, usability and heuristics. Furthermore, we compare our system to the CORBA-based (Common Object Request Broker Architecture) off-line micro-payment systems. The results have demonstrated that M&E-NetPay outperforms the .NET-based M&E-NetPay system in terms of performance and user satisfaction.

Item Type:	Refereed Article
Keywords:	mobile and electronic commerce, micro-payment, web services, electronic wallet, mobile networks
Research Division:	Information and Computing Sciences
Research Group:	Library and information studies
Research Field:	Human information interaction and retrieval
Objective Division:	Expanding Knowledge
Objective Group:	Expanding knowledge
Objective Field:	Expanding knowledge in the information and computing sciences
UTAS Author:	Huang, W (Dr Tony Huang)
ID Code:	112920
Year Published:	2016
Web of Science® Times Cited:	1
Deposited By:	Information and Communication Technology
Deposited On:	2016-12-04
Last Modified:	2017-11-13
Downloads:	133 View Download Statistics