Indian Journal of Science and Technology

Abstract

Objectives: In this research work, we proposed and designed a QR code, 2FA authentication based mobile payment system (Quickpay) for Nigerian universities with focus on Ebonyi State University, Abakaliki. Quickpay mobile payment system will aide student in the payment of all the necessary fees required by the university. Methods and Analysis: We deployed object oriented analysis and methodology where we utilized Unified Modelling Language (UML) in analyzing and modelling the new system. Then, the methodology facilitated the use of competent high level programming tool (PHP programming language) for the development of the software (Quickpay mobile app) after detailed system analysis and design. Findings: When using the system proposed in this study, the different security model used in design of mobile payment solution which was seamlessly integrated into the system that will ensure authorized access. This model deploys 2FA authentication system at the initial stage of verification and an SMS token (request for SMS code and User ID) at the second stage of verification to guarantee user access to the system. On successful authentication, the user uses phone to scan the QR code and send an SMS using USSD code and payment code user will click on generate invoice in the form QR code, the user will use a mobile generated form of the invoice to complete the payment transaction. Application Improvements: Despite the QR code system as deployed in most mobile payment system, Quickpay is designed to seamlessly interface with the university portal while utilizing several layers of possession factor authentication methods. This includes an SMS module to generate a security token for authentication and the 2FA authentication system.

Keywords: Mobile Payment, Mobile Technology, QR code, 2FA Authentication, USSD Code