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International Journal of Computer Applications (0975 – 8887)Volume 120 – No.24, June 2015Paytooth - A Cashless Mobile Payment System based onBluetoothRushabh Patel1, Akhil Kunche1, Nihar Mishra1, Zakwan Bhaiyat1, Prof. Rahul Joshi21,2Symbiosis Institute of Technology (SIT)Affiliated to Symbiosis International University (SIU)PuneABSTRACTThe government authority, banking industry and regularcitizens all experience a high overhead in using cash andcredit/debit cards. E-cash and Mobile payment in particular isa feasible alternative to physical cash, since it will experiencemuch lower overhead and offers more convenience. Theconcept of Mobile Payment is also known as Mobile Moneyand Mobile Wallet. Here, in all such systems customer will bepaying for a wide range of goods and services using mobilephone. In today's world, mobile device is the most popularlyused system for Mobile Payment. Wireless and proximitytechnology provides a new way for implementation andworking of mobile payment systems. In this aspect, thecapacity and power of using short-range wireless technologiessuch as Bluetooth is extensive. Bluetooth is an open wirelessand widely available protocol for transmitting and receivingdata over short distances between two mobile phones. In ourproposed system Bluetooth is used as a connection mediumbetween two devices. In this paper, implementation of newconcept of mobile payment system using Bluetooth ispresented.KeywordsBluetooth, Mobile Payment, Wireless, E-cash, Mobile Wallet,Proximity Technology etc1. INTRODUCTIONAs we know that mobile phones play a major role in human'slife, from past 25 years development in the field of mobiletechnology is growing day by day. Today technology maylead one to implement his thoughts in real. Mobile phonetechnology has introduced this world with the concept ofMobile Payment. This concept of payment is far superior toother modes of payments, using this method one can easilypay for goods and other services. Mobile Payment systemshave ability to increase convenience, and enhance paymentsecurity. In this paper, the implementation of a Mobilepayment System using Bluetooth (which will acts as a channelbetween two mobile devices) is discussed. In this system,Bluetooth plays a major role which is an open wirelessprotocol for transmitting and receiving data over shortdistances from mobile phones. This creates an Ad-Hocnetwork between two devices to transfer data. Bluetoothdevices forms a personal area network (PAN), generallyknown as PICONET. Here, Bluetooth acts as acommunication channel because the availability of Bluetoothenabled devices is more as compared to other proximitytechnology. According to the survey in 2015, over 3.5 billionBluetooth Smart Ready (v4.0 - DualMode) enabled devices are shipped per annum [13]. Thismeans that Bluetooth is still much more widely used thanother proximity technology. One of the largest obstacles to thesuccessful growth of mobile payment gateway has been a lackof consistency in security of mobile payment methods. MobilePayment Gateway should provide a security that a customershould obtain the same level of confidence as obtained in aface-to-face payment transactions. The major reason to buildan Android Application is that, according to the researchmade by Strategy Analytics, Android Capture 84.6 percentshare of world's Smartphone market [1]. Therefore developinga Mobile payment application on Google's Android Platformcovers most of the users. Here, Mobile Payment System isdeveloped using Android and it is known as PAYTOOTHwhich can be used for Payment of transaction between twoBluetooth enabled mobile devices.2. RELATED WORKAirborne payment refers to wireless-based e-payment formobile trading to support point-to-point payment transactionson mobile phone device, such as Smartphone. Similarly, AnAirborne payment system is a mobile trading system whichprocesses e-commerce payment transactions supportingmobile trading applications in airborne networks and airborneInternet architecture.2.1 Existing Mobile Payment system2.1.1 Account-based Mobile Payment SystemsA general account-based payment model [5] is composed of 4involved parties: Customer (one who buys), Vendor (One whosells), Issuer (Bank or Customer Financial Supporter), andacquirer (vendor’s financial Supporter). A payment gatewayacts as an intermediate between mobile payment system oralready existing payment architecture. This model introduces3 basic payment transactions. Payment is made by a customerabout the payment to a vendor. Money Minimization is madeby the customer in order to request a payment gateway (onbehalf of an issuer) to deduct the money from the customer’saccount. Money Claim is made by the Vendor in order torequest the payment gateway (on behalf of an acquirer) totransfer money to his account.Figure 1: Account-Based Payment System38
International Journal of Computer Applications (0975 – 8887)Volume 120 – No.24, June 20152.1.2 Mobile POS (Point-of-Sale) PaymentSystemsThis type of payment system allows customers to purchaseproducts in stores with their mobile device (Smartphone). TheM-POS payment system implements additional functionalityto existing Debit/Credit cards by enabling their device intopayment machine of their choice.The Mobile POS Payment Systems are of two types:2.1.2.1 Automated POS PaymentsIt is mostly, used in parking tax collector, Vending machinesetc.2.1.2.2 Attended POS PaymentsIt allows mobile users to make payments using mobile deviceswith the help of a third party, such as a cab driver, or ashopping vendor etc.Figure 3: Mobile Wallet [16]3. FRAMEWORK OF A CASHLESSSYSTEMFigure 2: Mobile POS System [14]2.1.3 Mobile WalletA mobile wallet is electronic account which stores virtualmoney of the customer from which they can make transactionusing SMS/GPRS/3G. In this concept no bank account isinvolved. They are revolutionary trend in digital paymentsindustry and are based on Proximity Technology.MasterCard’s Server-based mobile wallets are using SecureElectronic Transaction technology and are already beingimplemented to result in secure transaction capabilities. In thispaper, a design and implementation of a Mobile paymentSystem based on Bluetooth Technology is presented. Hencethis type of payment system is used in dynamic environmentto make transaction successful between customer and vendor.India is the fastest growing market for Smartphone in theAsia-Pacific region. Mobile phone penetration in India isgreater than debit/credit cards by a large number. Majority ofthe phones today are being sold with Bluetooth, whether youconsider a basic phone or a high-end smart phone.Considering these points, a system where people can makepayments via their phone through secure Bluetooth withoutever needing to carry cash with them can be developed.3.1 Basic idea Two kinds of user’s viz., Merchants and Consumers. Every individual has a unique account, with detailsstored in cloud/Database/Repository. The data in thecloud/Database/Repository is updated via USSD forbasic phones and 3G or USSD for Smartphone. Merchants have a Bluetooth enabled device whichconnects to customer’s phone. Consumer/customer will have a compatible applicationon their phone to accept requests from merchants. After the bill amount is finalized, merchant’s device willcommunicate with customer’s phone and sends theamount due. Consumer gets a request, which he canaccept or decline. If customer accepts, money is transferred fromcustomer’s account to merchant’s account. Customer can refill the amount in his account throughtop-up cards, just like a mobile recharge, or throughonline recharge. Top-cards are the deciding featurewhich distinguishes this from a regular debit cardmethod. This ensures the technology reaches muchfurther than a debit card.39
International Journal of Computer Applications (0975 – 8887)Volume 120 – No.24, June 20153.2 Scalability Peer to Peer payments can also be introduced. Allows online purchase using the same account (can beused by people in rural areas to purchase goods onlinewithout using a debit card/Credit card).Figure 4 Basic architecture of PayTooth4. COMPARATIVE ANALYSISFigure 6: DFD for /3G/SMS/USSD3GWallet FacilityAvailableAvailableAdding Fundsto WalletBy Top-Up cards & InternetBankingDebit/CreditCards &InternetBankingFuture ScopeReplacement ofCash/Debit/Credit cardsSomemodificationType entClient-to-ServerFigure 5: Comparison Table for PayTooth with otherapplication5. DFD AND USE CASE FORPAYTOOTHFigure 7: Use Case for Paytooth40
International Journal of Computer Applications (0975 – 8887)Volume 120 – No.24, June 20156. SCREENSHOTS FOR PAYTOOTHFigure 9: Bluetooth Functionality 1User 1User 2Figure 10: Bluetooth Functionality 2Figure 8: Login and Registration PageUser 1User 2Figure 11: Payment Transaction41
International Journal of Computer Applications (0975 – 8887)Volume 120 – No.24, June 2015[5] 3v20-white-paper-mobile-wallet-payments/[6] "A SAFE AND SECURE BANKING /2013/08/IJARECEVOL-1-ISSUE-4-94-99.pdf[7] "Performance Analysis of Mobile Payment formanceAnalysisOfMobilePaymentProtocols.pdf[8] "Secure Bluetooth for Trusted oad.aspx?paperID 33221Figure 12: Balance Receipt and Recharge Top-Up Facility7. FUTURE SCOPE AND CONCLUSIONToday is the world of mobile technology and whole world isgoing with the flow of technology, and it is perfect if wemove ahead with technology. Therefore, in regard to thesame, a perfect implementation of an application which can beused for easy transfer of money is presented in this paper.Bluetooth technology plays a vital role in this application. Thefuture scope of this application is very bright because in futurethis application will definitely take a lead to process acashless/cardless payment using a customized point of salemachine which can be a great evolution for the paymentsystem in the urban as well as rural areas.8. REFERENCES[9] " A mobile local payment system Bluetooth based"http://www.ccse.kfupm.edu.sa/ sadiq/proceedings/ISWSN2005/5-2-3G2 2.pdf[10] hris-Hoofnagle.pdf[11] 123.pdf[12] " Past, present and future of mobile payments research: wdoc/download?doi 10.1.1.177.750&rep rep1&type pdf[13] https://www.bluetooth.org/jajp/Documents/BW13 DayOne Session3 BluetoothTrends.pdf[1] bsrecord-85-percent-smartphone-share.html[14] 12/09/stepone-checkout.png[2] http://www.csse.monash.edu.au/ srini/theses/Keng Thesis.pdf[15] "Comparative Review of Existing Mobile 0/ijaerv10n7 57.pdf[3] “A MULTI-FACTOR SECURITY PROTOCOL FORWIRELESSPAYMENTSECUREWEBAUTHENTICATION USING MOBILE 1.3010.pdf[4] "Mobile Payment Market and Research - Past, uence 1IJCATM : www.ijcaonline.org[16] "P2P-Paid: A Peer-to-Peer Wireless Payment ges/teaching/ws10-11/zahlsem/p2pPaid.pdf[17] alletonto-a-mobile-doesnt-work.html42
A payment gateway acts as an intermediate between mobile payment system or already existing payment architecture. This model introduces 3 basic payment transactions. Payment is made by a customer about the payment to a vendor. Money Minimization is made by the customer in order to request a payment gateway (on
