M-Pay - a new way for mobile payment

Abstract:
In today’s society, nearly everyone has a cellphone. Along with their cellphones, people usually carry wallets as well stuffed with credit cards, money, and other important things. M-Pay is a new payment system based upon RFID and GIS technology. It is secure and simple to use. The purpose of this project is to introduce how inserting a common RFID chips found in charliecards and other objects onto a phone   can be a new effective and easier way to pay. By getting rid of credit cards and only using one’s phone, the process of buying something would be as simple as riding the T. One simply taps their phone onto a specific device and they are all set. The purchase would be either billed to the phone bill or a separate account associated with the chip.

Hypothesis:
By adding a RFID chip onto a cellphone, one can use it to pay for everyday things by simply tapping it onto a specific device.
Purpose:
Getting rid of credit cards and print money with this system would convert the nations currency into an electronic format. This can help reduce counterfeiting and track money so it isn’t easy to launder.

Introduction:
Radio-frequency identification (RFID) is the use of an object (typically referred to as an RFID tag) applied to or incorporated into a product, animal, or person for the purpose of identification and tracking using radio waves.
Users can put a M-Pay RFID chip on mobile phone and this RFID chip is a little memory that would storing a user's identity code. When user do the check-out in a shop, the shop needs a RFID reader, users just use the mobile phone touch the RFID reader for let the RFID reader read the identity code, the reader would encrypt the code and send it to M-Pay system server, then server would process this transaction event.
About the money transfer function, it use for money transfer between 2 M-Pay users, system would get these 2 users' GeoLocation information(Longitude and Latitude), and analysis the distance of us. If our distance is very close, the system would permit and process this transaction event.

Users' all the information and all of the e-commerce information are storing in a database, I using MYSQL database for manage these data.
The system is a web program, it was developed by PHP language and MYSQL database, the web program is setup on a web space which I rent from 1&1 web hosting company.
M-Pay not only could do the check-out, but also could stores users' any cards. Users could submit their cards' information to M-Pay, so the mobile phone could replace to these cards. For example, I add my Walmart member card to my M-Pay account, when I use my mobile phone do the check-out in Walmart, I also can do it with my   Walmart member card at the same time, the M-Pay system would help me add point to my Walmart member account and deduct money with the member discount, so I don't need to bring my cards any more.
Users could manage their cards on M-Pay system, users could add card or remove card, check the cards' information . For example, you can add your MBTA Charlie Card to your M-Pay account, you can check the Charlie Card balance and deposit money to the Charlie Card on your mobile phone.#p#分页标题#e#

Functions of M-Pay:
- Immediate Payment
That use as swipe credit card, but it using cell phone's RFID recognition for identifies payment. When the users do the check-out, just let the cell phone touch the store's RFID reader, the RFID reader would send the user's identity code to M-Pay server for process this transaction.

- Integrate Cards
Users not only could use their cell phone as credit card, but also could use as any cards, such as MBTA Charlie Card, shop member card and gift card. Users could do check-out with their member card at the same time. If some store has shopping discount for the members, you can use your cell phone do check-out with the discount if you are a member of this store. Users could use cell phone or computer to manage these cards' information.

- Integrate Coupons
You could save their coupons in their accounts, just submit the coupon codes to the system, so you could do the check-out with coupon at the same time. You don't need to keep the paper coupons any more.

- Easier Online Money Transfer In Close Range
Two users can use their cell phone to money transfer, M-Pay would use the users' GeoLocation information for identify the transaction. The 2 users just use the Money Transfer Tool of M-Pay on their cell phone and stand or set closer, just click 2 buttons in the whole process. In traditional online money transfer, you have to input the other person's account number, but in M-Pay, you don't need to do that.

- Mobile Ticketing
You can save your ticket in your phone, movie ticket, concert ticket and trans ticket, you can use it keep any kind of ticket. You also can use your phone to buy ticket and save more than 1 ticket in your account at the same time.

- M-Pay Open Software Development Kit and E-Commerce
I developed a lot of programming functions for easily develop more applications for M-Pay payment platform. Third party developers and Merchants can use these  programming functions to develop more new applications or use for their business. For example, AMC theater could use M-Pay system for let their customers buy ticket easier and keep the ticket in their mobile phone.

- Check Expense Record
M-Pay system would record you every transaction. You can check you expenses record on your phone or computer any time.

- Countermand
If you lost your phone and worry about someone , you can use another cell phone or computer change your identity code, so your last identity code will be cancel.

Procedure:
The M-Pay based on a regular online payment system, but it is using RFID recognition for identify each check-out and ticket inspection. This system would have 3 main series: Immediate payment that use as swipe credit card for pay; Money Transfer, which could achieve money transfer between 2 users at close range; E-commerce, user can use this platform to do any extended commercial applications. The users’ information and the identity codes would store in a database.#p#分页标题#e#
I registered a web site on Internet, it use for public my program.the users could visit this site register a account and use the services. I was set up a database for save the users' information, the E-Commerce data and users' records. I created 7 tables in the database,
1. Cards_data : Save all of the cards' information, such as store member card.
2. Coupons_data : This table use for save the coupons' information.
3. Location_pool : It use for the close range money transfer.
4. Record_data : Save users' transaction records.
5. ECommerce_data : This table is for the E-Commerce, let the merchants can save   their business data on the server and develop applications.
6. Products_data : This table is for the E-Commerce, let the merchants can save their   products' data on the server and develop  applications.
7. User_data : Save all of the users' information, the information would be encrypted.
Then I developed the user information management part that use for user register, user login and information edit.www.ukthesis.org
The First function is immediate check-out, let cell phone replace to our credit card.  Every single M-Pay RFID would has different identity code, these identity code would belong to different users.When I use my phone do the check-out, the merchant's RFID reader will read my RFID and get the identity code, then use MD5 encrypt algorithm to encrypt it, and then send it to M-Pay server with the payment request that include the payment value and what coupons and member card I can use. The system will search my account, if I have these coupons or member card, system will help calculate how many I should pay after discount. Then system transfer the money from my account to the store account. At last, this deal will be record in database.
After that, I want the the cell phone not only can do check-out, but also can integrate member cards, ID cards, tickets and coupons, so let the cell phone completely replace to our wallet.
I can save my cards,tickets and coupons in to my M-Pay account, thus I can use my phone as them. Visit the M-Pay account manage web site, I manage all of my cards, ticket and coupons.
I developed a Card Auto-Identify Program, I just need to submit the card number, then system search the database and analysis what kind of this card and it using by someone else or not. If the card is available, system will let me add this card to my account.
If I want to add my MBTA Charlie Card to my account, just submit the card number, system will save it to my account and mark this card using by me.
When I take subway, the pass gate's RFID reader本Assignment   will get my identity code and send it to the M-Pay server after encrypt. The server system will check I have the Charlie Card or not, if I have the card, system will deduct money(Charlie Card Discount : $1.70) in my Charlie Card and let me pass, if I have a month T-Pass, it also will let me pass. If I don't have Charlie Card, the system also will let my pass, but it will charge me the regular price $2.00 .#p#分页标题#e#
In regular money transfer, you can input the other user's username and send money to him/her.
If you and your friend in close range, you can use this special function to money transfer. For example my friend Joe going to transfer $60 to me, so I just need to press the "Get Money" button on the M-Pay system, it will send my real-time GeoLocation information(longitude and latitude) to the server and save it in the location_pool data table. Then Joe press the "Send Money" button on the M-Pay system, system will compute the distance of all of the users' real-time location data in the location_pool data table and find out who will most close me. That will be me, then system will ask Joe for confirm the money receiver and let him input the transfer value, system will process this deal.
 

I developed a little program for let the users can check their expense record, M-Pay system would save every transaction's information in the record data table.

Conclusion:

In the future, I think the mobile payment will   take over the traditional payment way, people will not use cash anymore. Mobile phone will be the most important tool for our life.