P2P-Paid: A Peer-to-Peer Wireless Payment System

The fast advance of wireless networking, communication, and mobile technology is making a big impact to daily life. The significant increase of mobile device users in the recent years causes a strong demand on secured wireless information services and reliable mobile commerce applications. Since wireless payment is a critical part of most wireless information services and mobile commerce applications, how to generate secured mobile payment systems becomes a hot research topic in both the e-commerce research community and wireless commerce industry. This paper proposes a peer-to-peer wireless payment system, known as P2P-Paid, to allow two mobile users to conduct wireless payment transactions over the Bluetooth communications. The system uses a 2-dimensional secured protocol, which not only supports the peer-to-peer (P2P) payment transactions between two mobile clients using Bluetooth communications, but also supports the related secured transactions between the payment server and mobile clients. This paper provides a system overview about system functional features, system architecture, and used technologies. Moreover, an integrated security solution for the P2P-Paid system is described. Our first phase implementation is reported, and application examples are given to demonstrate the functions and feasibility of this system.