In this paper we present an integrated framework for developing and running micropayment services. Our framework is multi-channel, as it allows a micropayment service to be used, at the same time, by clients using different types of communication channels. It is also multi-scheme, because it allows to have on the same server different types of micropayment schemes.
The framework has been designed in such a way to simplify the distribution and the replication of its server components across several machines, thus increasing the overall efficiency. On the client side, it includes two library of classes that can be used to run micropayment services on Java applications running on a desktop computer, in a Web browser or on a mobile phone. The framework also includes the implementation of two traditional micropayment schemes, as well as the communication modules needed to implement micropayment schemes over HTTP based and SMS based communication channels.