Secure digital wallet by using QR code: mapping of mobile payment in partially connected environment

Abstract

Mobile payment is rising attention worldwide to pay for items from sender to receiver. QR (Quick Response) code technology relies on scan-and-pay techniques, does not require specific hardware, and allows a sender to easily scan the destination address of the payment directly from the receiver’s smartphone. Existing QR (Quick Response) Code-based payment solutions require full internet connectivity for transactions. Sometimes, the user does not have internet for mobile payment. To resolve this issue an innovative hybrid method is proposed which uses web and mobile-based applications for E-payment and transactions using QR (Quick Response) Code in a partially connected environment. Online senders can pay by scanning the QR code provided by the offline receiver. A prototype of the proposed model has been developed as Cloud Sarafa System (CSS) which offers a flexible solution.  A Prototype of the proposed model tested via use cases and test cases. Data was collected from 350 participants to evaluate the performance report against the prototype of the proposed model which endorsed positive.