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In this paper, a system for controlling transaction flow in card-based payment systems and its performance benefit using mobile agents is presented. The model consists of the negotiation semantics, the mobile agent module, and three interactive systems in e-payment: the bank, point-of-sale (POS), and the Interswitch. We present a mobile agent-based scenario for e-payment system and discuss the negotiation scheme and techniques that provide security for the model. Our scheme requires no interaction with the originator once the mobile agents are sent out. This is particularly of advantage in a situation when the user cannot stay online for a long period of time. Comparing our model with that of traditional Remote Procedure Call (RPC), the result shows that our scheme is more reliable and faster.

Transaction Flow in Card Payment Systems Using Mobile Agents