There has been an increase in the adoption of mobile payment systems worldwide in the past few years.However,poor Internet connection in rural regions continues to be an obstacle to the widespread use of such technolo...There has been an increase in the adoption of mobile payment systems worldwide in the past few years.However,poor Internet connection in rural regions continues to be an obstacle to the widespread use of such technologies.On top of that,there are significant problems with the currently available offline wallets;for instance,the payee cannot verify the number of coins received without access to the Internet.Additionally,it has been demonstrated that some existing systems are susceptible to false token generation,and some do not even permit the user to divide the offline token into smaller portions to be used as change.This paper proposes a blockchainbased wallet system that provides a secure mobile payment service even if a user cannot access a reliable Internet connection.Our approach relies on Bluetooth and digital signatures to establish and build a trust connection between the parties.The proposed solution overcomes the main limitations of existing systems that use offline transactions,such as the generation of fake offline tokens and the indivisibility of offline tokens.The user buys Offline Tokens(OTs)from a server called an Offline Token Manager(OTM)to use them later to perform offline transactions.Each mobile device must store a single,signed offline token transaction to prevent fake tokens.On the other hand,all offline transactions will be kept as a history in a particular local database.Finally,when the receiver becomes online,it will send a convert request to the OTMto change the value of the OTs to the appropriate amount in real coins.This step requires a connection to the Internet.To evaluate the effectiveness of the system,the Solidity programming language was used to develop a smart contract on the Ethereum blockchain with a backend application programming interface(API)and an android mobile application.The proposed method has an advantage over other prominent wallets.展开更多
The present paper has two-fold purposes.First,the current work provides an integrated theoretical framework to compare popular mobile wallet service providers based on users’views in the Indian context.To this end,we...The present paper has two-fold purposes.First,the current work provides an integrated theoretical framework to compare popular mobile wallet service providers based on users’views in the Indian context.To this end,we propose a new grey correlationbased Picture Fuzzy-Evaluation based on Distance from Average Solution(GCPF-EDAS)framework for the comparative analysis.We integrate the fundamental framework of the Technology Acceptance Model and Unified theory of acceptance and use of technology vis-a-vis service quality dimensions for criteria selection.For comparative ranking,we conduct our analysis under uncertain environments using picture fuzzy numbers.We find that user-friendliness,a wide variety of use,and familiarity and awareness about the products help reduce the uncertainty factors and obtain positive impressions from the users.It is seen that PhonePe(A3),Google Pay(A2),Amazon Pay(A4)and PayTM(A1)hold top positions.For validation of the result,we first compare the ranking provided by our proposed model with that derived by using picture fuzzy score based extensions of EDAS and another widely used algorithm such as The Technique for Order of Preference by Similarity to Ideal Solution.We observe a significant consistency.We then carry out rank reversal test for GCPF-EDAS model.We notice that our proposed GCPF-EDAS model does not suffers from rank reversal phenomenon.To examine the stability in the result for further validation,we carry out the sensitivity analysis by varying the differentiating coefficient and exchanging the criteria weights.We find that our proposed method provides stable result for the present case study and performs better as ranking order does not get changed significantly with the changes in the given conditions.展开更多
文摘There has been an increase in the adoption of mobile payment systems worldwide in the past few years.However,poor Internet connection in rural regions continues to be an obstacle to the widespread use of such technologies.On top of that,there are significant problems with the currently available offline wallets;for instance,the payee cannot verify the number of coins received without access to the Internet.Additionally,it has been demonstrated that some existing systems are susceptible to false token generation,and some do not even permit the user to divide the offline token into smaller portions to be used as change.This paper proposes a blockchainbased wallet system that provides a secure mobile payment service even if a user cannot access a reliable Internet connection.Our approach relies on Bluetooth and digital signatures to establish and build a trust connection between the parties.The proposed solution overcomes the main limitations of existing systems that use offline transactions,such as the generation of fake offline tokens and the indivisibility of offline tokens.The user buys Offline Tokens(OTs)from a server called an Offline Token Manager(OTM)to use them later to perform offline transactions.Each mobile device must store a single,signed offline token transaction to prevent fake tokens.On the other hand,all offline transactions will be kept as a history in a particular local database.Finally,when the receiver becomes online,it will send a convert request to the OTMto change the value of the OTs to the appropriate amount in real coins.This step requires a connection to the Internet.To evaluate the effectiveness of the system,the Solidity programming language was used to develop a smart contract on the Ethereum blockchain with a backend application programming interface(API)and an android mobile application.The proposed method has an advantage over other prominent wallets.
文摘The present paper has two-fold purposes.First,the current work provides an integrated theoretical framework to compare popular mobile wallet service providers based on users’views in the Indian context.To this end,we propose a new grey correlationbased Picture Fuzzy-Evaluation based on Distance from Average Solution(GCPF-EDAS)framework for the comparative analysis.We integrate the fundamental framework of the Technology Acceptance Model and Unified theory of acceptance and use of technology vis-a-vis service quality dimensions for criteria selection.For comparative ranking,we conduct our analysis under uncertain environments using picture fuzzy numbers.We find that user-friendliness,a wide variety of use,and familiarity and awareness about the products help reduce the uncertainty factors and obtain positive impressions from the users.It is seen that PhonePe(A3),Google Pay(A2),Amazon Pay(A4)and PayTM(A1)hold top positions.For validation of the result,we first compare the ranking provided by our proposed model with that derived by using picture fuzzy score based extensions of EDAS and another widely used algorithm such as The Technique for Order of Preference by Similarity to Ideal Solution.We observe a significant consistency.We then carry out rank reversal test for GCPF-EDAS model.We notice that our proposed GCPF-EDAS model does not suffers from rank reversal phenomenon.To examine the stability in the result for further validation,we carry out the sensitivity analysis by varying the differentiating coefficient and exchanging the criteria weights.We find that our proposed method provides stable result for the present case study and performs better as ranking order does not get changed significantly with the changes in the given conditions.
