AN ENHANCED SECURED AND ROBUST MOBILE PAYMENT SYSTEM USING QR CODE AND HYBRID CLOUD COMPUTING MECHANISM

Abstract

The recent redesign policy for the Nigerian Naira currency notes by the Central Bank of Nigeria caused significant inconveniences and distress to peoples, as some of the old naira notes were illegal and unacceptable. As a result of this, peoples faced so much inconveniences and challenges which include limited access to the POS or ATM terminals, no or insufficient cash to customer for purchase and financial losses due to poor network connectivity. This research presents an enhanced secured and robust mobile
payment system using QR Code and Google Firebase, a Hybrid-cloud computing mechanism. The system is designed and developed with the Object-Oriented Analysis and Design Methodology (OOADM). It is implemented with Flutter, a Dart Programming Language with Android Studio and XCode Integrated Development Environment (IDE). Google Firebase was also used in the implementation of the database that provided several benefits of secured cloud computing services such as real-time database updates, authentication and authorization services, cloud storage, and hosting. The result shows the new QR code mobile payment system developed represents a significant advancement in the field of digital payments, providing users with a fast, secure, and convenient way for instant transaction tracking. The system addresses the challenges associated with traditional payment methods such as long queues, delayed payments, and exorbitant charges. It incorporates user authentication and data encryption protocols to ensure security. The new QR code mobile payment system has the potential to revolutionize payment systems in markets where traditional payment methods have been the mainstay.