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Mobile Payment solution
Hanoi – 2015 AprBy Thuc, Vu Xuan
Reseacher, founder at IoT and Data Processing LabsEmail: Thuc X.Vu [email protected]
Website: http://labsofthings.com/
Mobile: +84 912 083 463
CONTENT
• Key features• System architecture• Work flow• POS Payment• Online payment• Benefit• Screen Shorts
KEY FEATURES
• POS Payment, Online payment• Transfer money• Wallet management• Wallet account can link with Domestic ATM
cards, International Cards (Visa, Master, American Card)
SYSTEM ARCHITECTURE
Application server (API)
Database
Mobile API Gateway
Identity server(Authentication,Authorization)
Mobile Device
DMZ Trusted Zone
Administration WebsiteMerchant Site
Public Zone
Computer with browser
Merchant
Internal Users,Managers, Administrators
Computer with browser
Wallet User
Bank switch
International Card services
WORK FLOW
MANAGEMENTAccount Balance, Transaction history, Push Notification messages…
IN/OUTCash in, Cash out
PAYMENTOnline / POS payment for services, products
MAPPING ACCOUNTSMapping wallet account with domestic ATM Card, International Card (Visa, Master, American cards)
REGISTRATIONUser registers Wallet Account
POS PAYMENT
With barcode With NFC Base64.ENCODE(USERNAME-
MD5(StringCat(PASSWORD, UNIXTime))-UnixTime-Money-MerchantID-PaymentMethod)
POS PAYMENT
ONLINE PAYMENT
BENEFITS WHEN USING MOBILE PAYMENT
• Wallet anywhere, anytime as your mobile device is always in your hand
• Throw away pile of bank cards and replaced them by your mobile device
• More secure for payment with credit card. No leaking of credit card information any more.
• Cheaper POS device for merchants
ONLINE PAYMENT
BENEFITS WHEN USING MOBILE PAYMENT
• Wallet anywhere, anytime as your mobile device is always in your hand
• Throw away pile of bank cards and replaced them by your mobile device
• More secure for payment with credit card. No leaking of credit card information any more.
• Cheaper POS device for merchants
SCREEN SHOTS
MAPPING ATM, MASTER CARD
POS PAYMENT
POS PAYMENT – MERCHANT SITE
ONLINE PAYMENT
OTHERS SHOTS
References
• https://www.pcisecuritystandards.org/security_standards/
