TY - GEN

T1 - XEPS - Enabling card-based payment for Mobile Terminals

AU - Garner, Philip

AU - Edwards, Reuben

AU - Coulton, Paul

N1 - ISBN: 1-4244-0216-6 "©2006 IEEE. Personal use of this material is permitted. However, permission to reprint/republish this material for advertising or promotional purposes or for creating new collective works for resale or redistribution to servers or lists, or to reuse any copyrighted component of this work in other works must be obtained from the IEEE." "This material is presented to ensure timely dissemination of scholarly and technical work. Copyright and all rights therein are retained by authors or by other copyright holders. All persons copying this information are expected to adhere to the terms and constraints invoked by each author's copyright. In most cases, these works may not be reposted without the explicit permission of the copyright holder."

PY - 2006/7

Y1 - 2006/7

N2 - Mobile commerce applications that attempt to introduce a new payment method to the public experience a high failure rate. This mirrors the experience on the Web whereby a number of high profile `Web-money' solutions were withdrawn due to poor adoption. Despite their technological advantage and suitability for mobile payments (lower overheads, cheaper for small transactions) the need to attract a critical mass of merchants before substantial user uptake is often an insurmountable challenge. The public relations failure of WAP-based commerce has undoubtedly discouraged users from making remote purchases with their mobile terminal. Only recently with the rollout of high speed mobile data and higher-resolution colour devices has browsing and buying via a mobile terminal enabled a user-friendly experience. In this paper we present a solution for facilitating credit card payments, using an established XML architecture to wholly describe transactions. Developed with Python for Nokia Series 60 phones, XEPS (XML-enabled payment system) allows for standalone applications to integrate a mobile commerce element, complete with SSL-encrypted card processing. To demonstrate the need for a card payment solution for mobile, we analyse the alternative payment mechanisms present on the Web, and show how the integration of entrenched card networks is crucial for consumer acceptance. Furthermore, we chart the development of a major application on a relatively new platform for mobile, Python for Series 60 (PyS60), and show how the environment can be used for rapid development of applications which require more advanced interaction with the device hardware

AB - Mobile commerce applications that attempt to introduce a new payment method to the public experience a high failure rate. This mirrors the experience on the Web whereby a number of high profile `Web-money' solutions were withdrawn due to poor adoption. Despite their technological advantage and suitability for mobile payments (lower overheads, cheaper for small transactions) the need to attract a critical mass of merchants before substantial user uptake is often an insurmountable challenge. The public relations failure of WAP-based commerce has undoubtedly discouraged users from making remote purchases with their mobile terminal. Only recently with the rollout of high speed mobile data and higher-resolution colour devices has browsing and buying via a mobile terminal enabled a user-friendly experience. In this paper we present a solution for facilitating credit card payments, using an established XML architecture to wholly describe transactions. Developed with Python for Nokia Series 60 phones, XEPS (XML-enabled payment system) allows for standalone applications to integrate a mobile commerce element, complete with SSL-encrypted card processing. To demonstrate the need for a card payment solution for mobile, we analyse the alternative payment mechanisms present on the Web, and show how the integration of entrenched card networks is crucial for consumer acceptance. Furthermore, we chart the development of a major application on a relatively new platform for mobile, Python for Series 60 (PyS60), and show how the environment can be used for rapid development of applications which require more advanced interaction with the device hardware

KW - XML

KW - commerce

KW - mobile

KW - payment

U2 - 10.1109/ISCE.2006.1689509

DO - 10.1109/ISCE.2006.1689509

M3 - Conference contribution/Paper

SN - 1-4244-0216-6

BT - Consumer Electronics, 2006. ISCE '06. 2006 IEEE Tenth International Symposium on

PB - IEEE

T2 - The Tenth IEEE International Symposium on Consumer Electronics

Y2 - 29 June 2006 through 1 July 2006

ER -