Many mobile payment models have been proposed by researchers in the last decade. This chapter classify them based on their specific features to enable readers to stay up-to-date with state-of-the-art mobile payment models. The core features used in our classification include: (i) micro-payments, (ii) cryptographic technique (asymmetric cryptographic and symmetric cryptographic), (iii) technology used such as short message service, biometric technology, Radio-Frequency IDentification (RFID) technology, Near Field Communication (NFC), 2-D barcode technology, and peer-to-peer technology, (iv) Session Initiation Protocol (SIP), communication restriction, (v) mobile agent technology, and (vi) wireless application protocol.
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SEMOPS is a secure mobile payment service proposed by [185] that addresses the major roadblocks in developing a mobile payment infrastructure: standardized protocols, interoperability, and security. However, it will work inefficiently for micro-payments due to of the need for significant computation and communication for every payment.
Heitml is an XML/HTML like programming language for Web applications, which features object-oriented HTML extensions and component-based application development.
Kannel is a compact and very powerful open source WAP and SMS gateway that is used widely across the globe for serving trillions of SMSs, WAP Push service indications, and mobile internet connectivity.