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

Belal Ayyoub, Bilal Zahran, Mahdi A. Nisirat, Farouq M. S. Al-Taweel, Mohammad Al Khawaldah


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.


bill payment; cloud computing; electronic bill presentment and payment; internet billing system;

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DOI: http://dx.doi.org/10.12928/telkomnika.v19i1.15879

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TELKOMNIKA Telecommunication, Computing, Electronics and Control
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