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

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.

Downloads

Download data is not yet available.

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.

References

M. Olsen, J. Hedman and R. Vatrapu. HCI Issues in Mobile Wallet Design, in The Tenth Annual Pre-ICIS Workshop on HCI Research. China: Shanghai, 2011.

Definition of “E-wallets”. Times Syndication Service. Available from: https://www.economictimes.indiatimes.com/definition/ewallets [Last accessed on 2022 Mar 14].

A. Madan and M. I. Rosca. Current trends in digital marketing communication. Journal of Marketing Research and Case Studies, vol. 2022, pp. 1-13, 2022.

V. Vinatier. Investment Managers. Available from: https://www.axa-im.com/insights/future-trends/digital-economy/why-scalematters-evolving-landscape-cashless-payments [Last accessed on 2022 Mar 14].

G. Oprescu and D. Eleodor. The Impact of the Digital Economy’s Development on Competition. Bucharest: International Conference of the Institute for Business Administration, 2014.

A. Dhir. V. Scuotto. P. Kaur and Shalini Talwar. Barriers and paradoxical recommendation behavior in online to offline (O2O) services. A convergent mixed-method study. Journal of Business Research, vol. 131, pp. 25-39, 2021.

N. Sabli, N. E. Pforditen, K. Supian, F. N. Azmi and N. A. Solihin. The acceptance of e-wallet in Malaysia. Selangor Business Review, vol. 6, no. 1, pp. 1-14, 2021.

P. Pourghomi and G. Ghinea. Managing NFC Payments Applications through Cloud Computing. In: 7th International Conference for Internet Technology and Secured Transactions (ICITST), IEEE, 2012.

Published
2022-08-05
How to Cite
1.
Shukur M, Ismail R, Flaih L. Empower E-wallets Payment System by using Secured Hybrid Approach of Online and Offline Services. cuesj [Internet]. 5Aug.2022 [cited 24Apr.2024];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

Copyright (c) 2022 Mohammed H. Shukur, Reem J. Ismail, Laith R. Flaih

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

Authors who publish with this journal agree to the following terms:
1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License [CC BY-NC-ND 4.0] that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).