Next generation mobile services are readily emerging into the mainstream services
market and this growth is dependent on mobile technologies and their support
infrastructure. 2.5G and 3G mobile technologies presently are beginning to be adopted as
a platform for the deployment of communication, business and leisure mobile services.
Mobile payment services are one of many necessary support services, which will enable
improved development of next generation services. In addition to this necessity for
support services, the growth of m-commerce relies vitally on effective payment solutions,
provided by mobile payment services.
This dissertation describes a solution for a generic framework for mobile payment
services. The issue of diverse, enclosed payment solutions is addressed by presenting an
open, extensible and interoperable framework for deploying payment services to the
mobile services domain. This framework is based on the distributed architecture offered
by Web Services. A Web Services solution provides integration over existing Internet
protocols to current mobile payment infrastructures. The framework uses a combination
of object oriented design patterns and web based structuring and description styles to
allow mobile payment services to be deployed to meet both content provider and mobile
The development of the Web Services framework was extended to support three
independent payment methods, covering mobile network operator billing, credit card
payment and reverse sms payment. To further evaluate the framework, two payment
systems were implemented to establish the comprehensive relationship between the main
actors in a mobile payment system. In addition to Web Services, this implementation
integrated such technologies as J2ME, SMS gateway messaging and various networking
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