Abstract—The increasing development of wireless networks
and the widespread popularity of handheld devices such as
Personal Digital Assistants (PDAs), mobile phones and wireless
tablets represents an incredible opportunity to enable mobile
devices as a universal payment method, involving in daily
financial transactions. Unfortunately, designing a secure mobile
payment schemes is more challenging than wired payment
protocol due to the constraints of wireless network and mobile
devices. The existing Public Key Infrastructure (PKI) based
electronic payment protocol such as Secure Electronic Protocol
(SET) and Internet Payment Protocol (iKP) cannot be directly
adopted in wireless environment. Over the past ten years, a
numerous of mobile macro-payment schemes have been
proposed to solve the challenges of these constraints. As a result,
this paper aims to summarizes the work of researches over the
past ten years and four significant macro-payment schemes:
KSL protocol, Anonymous protocol, Private Protocol and
Secure Agent-based Protocol have been selected and further
discussed. This paper gives a readers an overall idea of mobile
macro-payment schemes and notably recommends both
academic and industry researchers to complement each other,
adopt the standardized and shared development.
Index Terms—Payment protocol, cryptography protocol,
macro-payment schemes, mobile payment, secure electronic
transaction, communication protocol
Tan Soo Fun and Mohd Norhisham Razali are with the School of
Engineering and Information Technology, Universiti Malaysia Sabah, 88400
Malaysia (e-mail: soofun@ ums.edu.my, hishamrz@ums.edu.my).
Leau Yu Beng was with School of Engineering and Information
Technology, Universiti Malaysia Sabah. He is now with the National
Advanced IPv6 Center (NAv6), Universiti Sains Malaysia 11800 Penang
Malaysia(e-mail: leauyubeng@gmail.com).
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Cite:Tan Soo Fun, Leau Yu Beng, and Mohd Norhisham Razali, "Review of Mobile Macro-Payment Schemes," Journal of Advances in Computer Networks vol. 1, no. 4, pp. 323-328, 2013.