Academic Open Internet Journal
Volume 19, 2006
BLUETOOTH -A FAILED TECHNOLOGY FOR MOBILE PAYMENT
Researcher, JNTU, Hyderabad.
ABSTRACT: Any time anywhere delivery is the peculiarity of M-Commerce. It is a Wireless Technology. Its is also a boosting technology of Commerce transactions, using Wireless media. It also makes it complex. It is an application of Pervasive and Ubiquitous Global computing. Bluetooth is a latest trend as a channel for M-Commerce transaction. This paper explores the possibilities of latest trends in Bluetooth and its feasibility with M-commerce.
Bluetoth wireless technology is a worldwide specification for a small-form factor, low-cost radio solution that provides freedom from wired connections by enabling wireless links between mobile computers, mobile phones and portable handheld devices. Mobile payment is an advanced technology in Mobile commerce, which is an extension of E-Commerce. Mobile payment is still in premature stage of development. Bluetooth evolved as a new technique for paying for goods or services using a Mobile device. Here a Bluetooth device Ingenico 7770 was used, and experimented for Mobile transactions. After the project was carried out, semi-structured interviews were taken with users, and developers. A standard set of questions were asked, over same key topics an issues. Then conclusions were drawn from it.
Here the background to mobile to mobile payment with Bluetooth is discussed. Wireless data is more convenient and cost-effective than any wireless voice transaction. Bluetooth is a short range wireless technology. It can be used for m-broker services. Bluetooth is a standard of interconnection of mobile devices with computers and phones. WiFi is another competitive technology to Bluetooth which can interfere if there is overlap in time and frequency between transmissions with each other. It means to say that Bluetooth and WiFi interfere when any one of its receiver senses signal at same time when it transmit. Bluetooth is less susceptible to interference as it has frequency hopping capability. Bluetooth devices leaking documents process is called “Snarfing Attack”. Here snarfer sends text messages to initiate a call and obtains phone-book entries without the user’s interaction. Bluetooth 2.0 is betterment over the predecessor. It has SRFT (Short Range Financial Transaction) profile. Security mode 2 has better authentication. There should be no sharing of Passkeys, in public settings in Bluetooth.
This paper follows the previous studies on Bluetooth, its impact on Mobile enterprise by researchers, undertaken previously as indicated in reference. Research phases Literature Review Critical Success factor Setting/Testing TEST to identify Issuer Bluetooth Lab Hypothesis
It was tried to understand some of the risks associated with mobile financial transaction. Interview was conducted to study the problem which gave Mobile service along with usability and security, the current market situation, key competitor and future directions. 4. CASE STUDIES: Secure card payment was studied that allowed roaming up to 100m. Customer does not have to be in line of sight of the card reader in order to access the card. This avoids the queue system time wastage. Here in the experimental study was done using INGENICO 7770. Bluetooth enabled pay terminal was used. Blue tooth can scan system at gate instead of Barcode reader. Following is the SMS remind and pay system that was used here in the experiment:
A Mobile service known as “Pay Today” was used to remind customer to pay outstanding bill and also accepts receipt in form of Credit card details. In return a receipt number via SMS is sent. The response is found to be better compared to bill payments, pay by phone, and pay by internet. Here premier SMS was used in bulk.
Canbera Company’s PaybySnap for financial transaction provides secure transaction for all, and also generates from invoices, receipts and transaction records for both parties. Interfacing is done to many devices, mobile phones, PDA’s, desktops, computers, and programmed interfaces to other application. Bluetooth enabled PCs or PDA’s can be used to access this account. Similarly SNAP account is simple and efficient pay system. It supports micro payments. First customers setup account. It works like online deposit account. It is registered by paybysnap.com. By this customer can pay regularly, household bills w.r.t water electricity, rent, mortgage, insurance, phone bill etc., High rate of interest is also provided. Different numbers are assigned for difference billing system. Extra protection is given by USSD (Unstructured Supplementary Service Data) session. It is a transport protocol present on most GSM network. It provides session-based communication, enabling variety of application. It is fast. It uses inter-operable technology. It allows subscriptions from different network to access the same services. Both seller and buyer need a phone number, and also registration to transact cheaply using USSD. All records are traceable. Thus it is very secure technology, except if the phone is lost. Micro payment application like selling Music is an example of this service.
Bluetooth is one among many proximity technologies, like Infrared, RFID, and contact less Smart cards. They are concerned about usefulness, acceptance, applications, security, usability, and reliability of technology. In order to overcome these risks, Bluetooth special interest group is continuously working to add or improve profiles into this. Bluetooth version 2 can handle many of the above issues. SRFT Bluetooth is for short range financial transactions, it is a major step towards Mobile Financial transactions. Bluetooth can provide auto connections between devices, with compromise to security. Network operators are critical components of Mobile commerce. It prevents fast service in retail outlets, pay-terminals w.r.t waiting in queue. Bluetooth is not adopted by any of the Mobile companies, except for a few limited uses and that too with compromise to security issues, and further research is needed in investigating the future of Bluetooth in M-Commerce. Though independently Bluetooth and M-Commerce, are most advanced and useful technologies, but their combination, has not been of much use, commercially, as on today.
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