A Secure Cloud-Based Payment Model for M-Commerce

Instead of paying by cash, check, or credit cards, consumers can also use their mobile devices to pay for a wide range of services and digital or material goods. However, consumers´ security concerns are a major barrier to broad adoption and use of mobile payments. In this paper, we design a secure operational model for mobile payment in which access control is based on service-oriented architecture. A consumer uses his/her mobile device to get authorization from cloud and generate a QR code as the payment certificate.