Arija Mobile Payment Platform

1. Introduction

Mobile Payment is the process of doing bill payments of shopping and, sending money to others, receiving money from others, on-line shopping through mobile phones. ArijaMobilePay is a platform which allows users, merchants, organizations to get registered and make the mobile payment with few clicks on mobile phone. Users can use MobileApp to send/receive money, with few clicks. OR user can chose to use SMS (with procedure, we mentioned in document) to do mobile payment.
Using ArijaMobilepay
. Send money
. Receive money
. Pay bills
either by using either ArijaMobiPay Mobile application OR sending SMS(and confirm).

2. Architecture

The below diagram (in next page) depicts the components involved and interactions among the components.
  • SMSGateway and GSM Modem : this is components are responsible for SMS send, receive functionality part of system
  • PHP is used to build the website.
  • Website -- Which is Configurable and installable using Admin.
  • Application in Web To deal with SMSes
  • Application to deal with Payment Gateway for transactions
  • MySQL to store the information of users, payment related information
  • Certificates : To manage the security of data
  • SMTP server : To send the transaction reports for month to users.
  • Mobile Application (ArijamobiPay.jad) to make the payment/receive using the app.
  • PaymentGateway API : 3rd Party and the applications are integrated to them.
Given below is a descriptive diagram of the same


3. Feature list:

SEND/RECEIVE/REQUEST Money to/from other user, Pay Bills just by few clicks on Mobile either by using MobileApp OR just by sending SMS. Even for Mobile Application, you don’t need GPRS. The application uses only SMS technology.
  •   Register once, to the www.yourDomain.com/MobilePayment/ and pay to any other user using your mobile phone
  • Use our mobile application to pay
  • OR use just SMS to pay to another registered user
  • Logging to website, you can view the past transactions
  • OR use the Mobile app, to view the past transactions.
  • Its highly secured. The security mechanism, we used is based on Certificates and two-way locking.
  • Get a monthly report of all transactions into a mail.
  • If user is sending to another unregistered user, our server will send the instructions to withdraw the funds to unregistered user.

4. Flow of Usage:

  • User enters the website www.yourDomain.com/MobilePayment/ and registers the details and userid/password.
  • The password is called as MobilePin, in short MPIN.
  • He needs to link his id with Bank or credictcard information. This information is securely stored with 2 lock mechanism (one by system, and by user MPIN).
  • Then he is eligible to use our solution. ( to send/receive/pay)
  • User can chose to install the mobile app on his mobile.

Further information on how to run the application can be obtained from here