Response Triggered Architecture for E-Payment Examined for General Purpose Transaction

The explosive growth in internet coupled with advancement in Information and Communication Technology (ICT) has made business transactions much easier than it used to be in the past. For example, e-commerce has particularly benefited from the introduction of GSM system. One of the major challenges, however, is how to isolate fraudulent transactions from genuine businesses. This becomes more imperative as the advancement in ICT has brought with it fraud and related scams. In this work, we examined different types of e-commerce as well as the challenges being encountered in the course of daily transactions. We took advantage of the current trends in mobile communication networks, particularly GSM and proposed a system based on Response Triggered Architecture for electronic transaction. Our proposed system is platform independent which means only little modification is needed when switching from one platform to another. We used Visual.basic.net and knowledge in fraud for our system prototype and presented the results in the body of this work.