Smart Phone and Next Generation Mobile Computing

Mobile Application Challenges 485

the system must ensure mutual authentication, data confiden-

tiality, data integrity, and nonrepudiation of a transaction. The

system must be trusted by consumers and merchants and must be

able to protect their identities. In some cases, the system should

support user-controlled anonymous payment to protect a user’s

privacy. Security mechanisms such as digital signature, digital

certificate, application layer encryption, and authentication can

be incorporated into an m-payment system.

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Usability—Not only should a mobile interface be user friendly but

also the network service provided by the system must be highly

dependable. In addition, the system should allow a consumer

to easily customize the service to facilitate convenient, ...