A proposed cloud-based billers hub using secured e-payments system

Belal Ayyoub (Al-Balqa Applied University)
Bilal Zahran (Al-Balqa Applied University)
Mahdi A. Nisirat (Al-Balqa Applied University)
Farouq M. S. Al-Taweel (Al-Balqa Applied University)
Mohammad Al Khawaldah (Al-Balqa Applied University)

TELKOMNIKA (Telecommunication Computing Electronics and Control)
Vol 19, No 1: February 2021

Automation of several payment processes from start to end is a challenging task, particularly when multiple payments from online and offline billers are involved. In this paper, we introduced a new aggregator system to combine all billing system types, in which it is possible to pay invoices electronically. The proposed aggregator system was designed to be employed in a cloud-based Billers Hub (CBBH) developed by the central banks. Furthermore, many applications can be realized such as; deposit e-money, withdrawal e-money, and other applications. A Gateway translator is used to apply authentication rules, security, and privacy. The proposed system was employed in the Jordanian payment gateway and successfully fulfills its purpose.