Hybrid Cloud-Based Mobile Payment: Secure & Compliance Model رسالة ماجستير

Abstract

This thesis presents an innovative research and development work based on mobile cloud computing, security payment and compliance model to provide a new secure payment model using mobile phone system. This research and development work will affect directly in the direct payment process in the financial services sector and will develop a payment new model in Palestine. Main issues in mobile banking that this research divided into three main categories , Environment , Security , Compliance. First model is infrastructure model of the platform is designed on the basis of a hybrid model environment (local and cloud), second model is access system model of the platform is designed on the basis of risk-based and adaptive authentication mechanism using biometric techniques (Face Recognition) , third model is compliance model of the platform which designed to match with local regulatory bodies in Palestine (PMA) , and international standard of payment card industries (PCI). Payment methods in the Palestinian market have different types of payment such as cash payment, or payment by debit cards and credit cards. This research provides a new way to pay using mobile phones to make it easier for people to pay their bills and pay for the goods and services they buy. vi We proof on our demonstration that we manage to give better results comparing with related works for each part mentioned in our objectives and goals of this research. Cloud comparison result based on questionnaire has a result score of 3.8/5 and Security comparison result based on questionnaire has a result score of 4.6/5. Our research can be considered as foundation key base for any applied research works in the field of payment system. We manage also, to introduce and build new secure payment system that will be valid to work in market that targeting any financial service organization like banks, payment and fintech companies. Finally, such these technologies for mobile application and mobile payment are very needed and required for our Palestinian market, since the Israeli occupation divide our land to small pieces of areas that not sufficiently connected to each other’s and we cannot control our boards and cannot issue a national currency as in PMA report for financial inclusion [PMA Payment System, 2013]. This thesis will consider the first model to activate mobile payment using mobile banking application to facilitate for Palestinian people to do their financial transaction with very ease of use as a term of usability “customer experience” and more secure environment and considering availability to access their banking system from anywhere and at any time