International Journal of Wireless Communications and Mobile Computing

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Using USSD-based Mobile Payment in Context of Low Internet Connection

Received: Jul. 07, 2021    Accepted: Jul. 19, 2021    Published: Sep. 29, 2021
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Abstract

With the evolution of mobile technology and the emergence of new devices called "smartphones", a new payment method called "mobile payment" has emerged. Smartphones occupy our daily life, so much so that some people do not imagine their routine life without them. If smartphones occupy the daily life in some African countries, orange money or MTN mobile money known as mobile payment accounts are even more. In Cameroon the mobile accounts (orange money or MTN mobile money) are so important that their use has become almost inevitable. We meet several utilities of these payment methods, we may cite electricity bills, purchase of products and services, payment of school and university fees etc. But this model of payment presents some limits among which we have the problem of ergonomic, proof of a payment and so on. In this work, we offer a secure, simple and powerful mobile payment model for both online using Internet as well as offline using Unstructured Supplementary Service Data (USSD). The payment model must be accessible to all, easy to use and shall support online or offline system. Inspired by the mode of operation of orange money outlets, this model uses two SIM cards, one commercial (seller) and the standard one (buyer). After designing an easy interface composed of two compulsory fields (phone number and amount), a USSD code is executed internally in our system requesting a withdrawal on the customer number. After the confirmation from the customer, the money is transferred to the seller's account. The model does not use of save any confidential information neither for the seller nor for the buyer.

DOI 10.11648/j.wcmc.20210901.11
Published in International Journal of Wireless Communications and Mobile Computing ( Volume 9, Issue 1, June 2021 )
Page(s) 1-6
Creative Commons

This is an Open Access article, distributed under the terms of the Creative Commons Attribution 4.0 International License (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution and reproduction in any medium or format, provided the original work is properly cited.

Copyright

Copyright © The Author(s), 2024. Published by Science Publishing Group

Keywords

Mobile Payment, USSD, AT Command, SIM, Security

References
[1] TCHOUASSI, G. e. (2013). Influence des réformes bancaires et microfinancières sur le taux de bancarisation dans la zone BEAC. Communication aux Vèmes Journées Internationales de la Microfinance, 12.
[2] NGUENA, C. L. (2015). INNOVATION FINANCIERE ET DEVELOPPEMENT DURABLE AU CAMEROUN: Pourquoi le Développement du « Mobile Banking » est-il Important ? Association of African Young Economists, 16.
[3] GAO, J. K. (2009). A 2D barcode-based mobile payment system. Third International Conference on Multimedia and Ubiquitous Engineering. IEEE, 320-329.
[4] HARB, H. F. (2008). SecureSMSPay: secure SMS mobile payment model. 2nd International Conference on. IEEE, 11-17. (Hany Harb; Hassan Farahat; Mohamed Ezz).
[5] Chaix, L. (2013). Le paiement mobile: perspectives économiques, modèles d’affaires et enjeux concurrentiels. Université Nice Sophia Antipolis, 312.
[6] YONGSUNG, K. W. (2014). System and method for managing mobile wallet and its related credentials. U.S. Patent No 8, 843, 125, p. 14.
[7] BADRA, M. e. (2016). A lightweight security protocol for NFC-based mobile payments. Procedia Computer Science, 705-711.
[8] MCKITTERICK, D. e. (2003). State of the art review of mobile payment technology. 2003-24.
[9] Sylla, A. Le Paiement Mobile: Définition et Technologies utilisées, http://www.assasylla.com/2018/04/03/paiement-mobile-definition-technologies-utilisee (September 2020).
[10] Avery Williamson Sr., L.-S. T. (2013). Solutions for RFID Smart Tagged Card Security Vulnerabilities. AASRI Conference on Intelligent Systems and Control, 282 – 287.
[11] Abyster, sandbox-abyster.appspot.com: https://sandbox-abyster.appspot.com/ABOffer/display.do (November 2020).
[12] Monetbil. Paiements en ligne par téléphone portable au Cameroun, https://fr.monetbil.com (August 2020).
[13] VuSur. Achetez à l'étranger, faites-vous livrer au Cameroun - VuSur, https://vusur.com/fr (November 2020).
[14] Chrystel Gaber, M. A. (2013). Réseaux 4G: anticiper la sécurité des systèmes de transactions sur mobile. 8ème Conférence sur la Sécurité des Architectures Réseaux et Systèmes d’Information (SAR SSI), (p. 10). Mont-de-Marsan, France.
[15] KORKUSUZ, A. (2012). Security in the GSM network. Bogazici University, Electrical-Electronics Engineering Department.
[16] Saleem, e. A. (2007). "Analysis of mobile payment security measures and different standards.". Computer Fraud & Security.
[17] MARGRAVE, D. (1999). GSM Security and Encryption. George Mason University.
[18] KASMI, C. e. (2011). État des lieux de la sécurité des communications cellulaires.
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  • APA Style

    Paul Dayang, Abassi Hamza. (2021). Using USSD-based Mobile Payment in Context of Low Internet Connection. International Journal of Wireless Communications and Mobile Computing, 9(1), 1-6. https://doi.org/10.11648/j.wcmc.20210901.11

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    ACS Style

    Paul Dayang; Abassi Hamza. Using USSD-based Mobile Payment in Context of Low Internet Connection. Int. J. Wirel. Commun. Mobile Comput. 2021, 9(1), 1-6. doi: 10.11648/j.wcmc.20210901.11

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    AMA Style

    Paul Dayang, Abassi Hamza. Using USSD-based Mobile Payment in Context of Low Internet Connection. Int J Wirel Commun Mobile Comput. 2021;9(1):1-6. doi: 10.11648/j.wcmc.20210901.11

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  • @article{10.11648/j.wcmc.20210901.11,
      author = {Paul Dayang and Abassi Hamza},
      title = {Using USSD-based Mobile Payment in Context of Low Internet Connection},
      journal = {International Journal of Wireless Communications and Mobile Computing},
      volume = {9},
      number = {1},
      pages = {1-6},
      doi = {10.11648/j.wcmc.20210901.11},
      url = {https://doi.org/10.11648/j.wcmc.20210901.11},
      eprint = {https://download.sciencepg.com/pdf/10.11648.j.wcmc.20210901.11},
      abstract = {With the evolution of mobile technology and the emergence of new devices called "smartphones", a new payment method called "mobile payment" has emerged. Smartphones occupy our daily life, so much so that some people do not imagine their routine life without them. If smartphones occupy the daily life in some African countries, orange money or MTN mobile money known as mobile payment accounts are even more. In Cameroon the mobile accounts (orange money or MTN mobile money) are so important that their use has become almost inevitable. We meet several utilities of these payment methods, we may cite electricity bills, purchase of products and services, payment of school and university fees etc. But this model of payment presents some limits among which we have the problem of ergonomic, proof of a payment and so on. In this work, we offer a secure, simple and powerful mobile payment model for both online using Internet as well as offline using Unstructured Supplementary Service Data (USSD). The payment model must be accessible to all, easy to use and shall support online or offline system. Inspired by the mode of operation of orange money outlets, this model uses two SIM cards, one commercial (seller) and the standard one (buyer). After designing an easy interface composed of two compulsory fields (phone number and amount), a USSD code is executed internally in our system requesting a withdrawal on the customer number. After the confirmation from the customer, the money is transferred to the seller's account. The model does not use of save any confidential information neither for the seller nor for the buyer.},
     year = {2021}
    }
    

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    T1  - Using USSD-based Mobile Payment in Context of Low Internet Connection
    AU  - Paul Dayang
    AU  - Abassi Hamza
    Y1  - 2021/09/29
    PY  - 2021
    N1  - https://doi.org/10.11648/j.wcmc.20210901.11
    DO  - 10.11648/j.wcmc.20210901.11
    T2  - International Journal of Wireless Communications and Mobile Computing
    JF  - International Journal of Wireless Communications and Mobile Computing
    JO  - International Journal of Wireless Communications and Mobile Computing
    SP  - 1
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    PB  - Science Publishing Group
    SN  - 2330-1015
    UR  - https://doi.org/10.11648/j.wcmc.20210901.11
    AB  - With the evolution of mobile technology and the emergence of new devices called "smartphones", a new payment method called "mobile payment" has emerged. Smartphones occupy our daily life, so much so that some people do not imagine their routine life without them. If smartphones occupy the daily life in some African countries, orange money or MTN mobile money known as mobile payment accounts are even more. In Cameroon the mobile accounts (orange money or MTN mobile money) are so important that their use has become almost inevitable. We meet several utilities of these payment methods, we may cite electricity bills, purchase of products and services, payment of school and university fees etc. But this model of payment presents some limits among which we have the problem of ergonomic, proof of a payment and so on. In this work, we offer a secure, simple and powerful mobile payment model for both online using Internet as well as offline using Unstructured Supplementary Service Data (USSD). The payment model must be accessible to all, easy to use and shall support online or offline system. Inspired by the mode of operation of orange money outlets, this model uses two SIM cards, one commercial (seller) and the standard one (buyer). After designing an easy interface composed of two compulsory fields (phone number and amount), a USSD code is executed internally in our system requesting a withdrawal on the customer number. After the confirmation from the customer, the money is transferred to the seller's account. The model does not use of save any confidential information neither for the seller nor for the buyer.
    VL  - 9
    IS  - 1
    ER  - 

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Author Information
  • Department of Mathematics and Computer Science, Faculty of Science, The University of Ngaoundere, Ngaoundere, Cameroun

  • Department of Mathematics and Computer Science, Faculty of Science, The University of Ngaoundere, Ngaoundere, Cameroun

  • Section