Simplifying mobile commerce through a trusted transaction broker

Due to the emergence of 2.5G and 3G networks, the mobile Internet has evolved to a high bandwidth, reliable, dependable medium for accessing information. However, in spite of this, mobile commerce (m-commerce) does not enjoy the same acceptance as e-commerce. Commercial transactions over mobile devices remain at a low level, since it is difficult to build a trust infrastructure purely based on the mobile Internet. There needs to be an interim solution, which can provide convenience, trust and confidentiality in m-commerce transactions. As in a normal e-commerce transaction, it requires to give out accurate information about the credit card, such as number, provider, expiry date, names, authorization code, etc. This information is transmitted to the payment gateway in a secure encrypted manner. This paper presents a method to enable people to carry out day-to-day m-commerce transactions with minimal effort but in a trusted and secure manner, thus enabling m-commerce to become integrated into the daily lives of mobile users.