Empower E-wallets Payment System by using Secured Hybrid Approach of Online and Offline Services

Authors

DOI:

https://doi.org/10.24086/cuesj.v6n2y2022.pp23-27

Keywords:

E-wallet, Offline services, SMS based system, Online and Offline Services, hybrid approach

Abstract

Payment mechanisms are migrated to mobile devices as e-commerce grows, creating e-wallets. The current e-wallet payment solutions are based on online-connected smartphones. The transaction is completed using a mobile application, which requires a GPRS and Wi-Fi connection. People around the world are becoming more interested in e-wallets. Nevertheless, in Iraq, it grows slower than in other parts of the world after survey is done to ascertain the primary elements influencing Iraqis’ adoption of electronic wallets. This paper proposes a design of e-wallet Mobile app offering online to offline (O2O) payments that aim to replace traditional e-wallet, credit cards, debit cards, and cash using offline connectivity, near-field communication (NFC), and SMS-based payment mechanisms that are independent of internet connection.

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Author Biographies

Mohammed H. Shukur, Department of Computer Science, College of Science, Chian University-Erbil, Kurdistan Region, Iraq

Mohammed Hussein Shukur, faculty member At the department of Computer Science, college of science, Cihan University-Erbil. He holds a B.Sc. in computer science, a PgDip in data security, and an M. Tech. in computer science. His research interests is in Big Data and Bioinformatics.

Reem J. Ismail, Department of Computer Science, College of Science, Chian University-Erbil, Kurdistan Region, Iraq

Reem Jafar Ismail is an Assistant Professor at the Department of Computer Science, Faculty/College of Science, Cihan University-Erbil. She got the B.Sc. degree in computer science, the M.Sc. degree in computer science and the Ph.D. degree in computer science- wireless networks. Her research interests are in wireless networks, E-learning, and visual programming. Dr. Reem is a professional member of IEEE.

Laith R. Flaih, Department of Computer Science, College of Science, Chian University-Erbil, Kurdistan Region, Iraq

Laith R Flaih, Assistant Prof. At the department of computer science, college of science, Cihan University-Erbil. He got B.Sc. Degree in computer science from university of technology-computer science department , the M.Sc. in computer science from university of technology-computer science department and Ph.D. in Data mining from Informatics Institute for postgraduate studies , his research interests in Data Mining, Web Mining and Big Data.

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Published

2022-08-05

How to Cite

1.
Shukur MH, Ismail RJ, Flaih LR. Empower E-wallets Payment System by using Secured Hybrid Approach of Online and Offline Services. Cihan U Erbil SCI J [Internet]. 2022 Aug. 5 [cited 2026 Jun. 23];6(2):23-7. Available from: https://journals.cihanuniversity.edu.iq/index.php/cuesj/article/view/711

Issue

Vol. 6 No. 2 (2022)

Section

Research Article

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