Page 105 - DMGT505_MANAGEMENT_INFORMATION_SYSTEM

Management Information Systems

Notes In the small sum payment system, we choose a product on wired internet and the payment
method as the small sum payment, and input user information like the number of the device and
residence registration number, then it transfers after confirmation the authentication number to
the mobile device, which is input again on wired internet to finish the authentication procedure.
Figure 6.3 shows this procedure.
Wireless Payment System

The wireless payment system has two methods for payment, which is based on card (hardware
type) or not on card (software type). The method based on card is equipped with a smart card
having various financial applications saved in, such as credit card, debit card or mileage, for
processing authentication and payment, and it can be classified according to the number of the
equipped cards within the mobile device. The types are dual-slot type, dual-chip type and one-chip
type. The dual-slot type is equipped with a separate smart card reader slot inside of the mobile
device in order to process the payment with own smart card inserted. The dual-chip type is to have
IC chip saving the payment application inside of the mobile device separately from SIM card. The
one-chip type combines the member authentication function of SIM card with the financial
application of IC chip in order to save in one SIM card. The method based not on card is to associate
real-time authentication with payment system through the mobile communication wireless
network without separate smart card to save inside the personal financial information, which is
classified as cellular phone integrated charge method and mobile wallet method. The cellular
phone integrated charge method is a method to pay the charges later with integrated payment bill
for mobile communication at the next month. The mobile wallet method is to input user information
in the server of a bank or a credit card firm, to which the user logs on through the mobile device.

Task Discuss the various advantages of wireless payment over traditional payment.

Design of Wireless Payment System

Configuration of System: The wireless payment system proposed in this paper is based on
MobileC that is practicable on GVM based on the application download solution. The overall
system is divided into a client as the mobile device and a server. The client plays a role to save
user interface and fundamental user information, and the server takes the intermediary role
between the client and the card firm and authentication organization and the save role of the
certificates of each user.

The process of this system comprises of initialization process and transaction process, and the
details of these will be mentioned in the next section. Figure 6.4 shows the overall configuration
and process of the wireless payment system.

Initialization Process: The initialization process is a preparation process for operating the
wireless payment system on a mobile device. Basically the mobile device does not have the
wireless payment system equipped inside. Thus it requires a procedure to download and install
from the server, the wireless payment system necessary for the mobile device, and requires
initial configuration procedure to operate the wireless payment system installed in the device.
This initialization has the following order for process.
1. Connecting GVM download server using the mobile device.
2. Downloading the wireless payment system from the GVM download server.
3. Inputting user’s personal password for operating the wireless payment system.

4. Inputting card information to be used in the wireless payment system.

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