The smart-phone industry has witnessed tremendous growth in recent history simply because of the emergence of the android operating system. It is now easier to make payments on our mobile phones but one major hindrance lies in transaction security. The objective of this paper is to develop a secure transaction protocol for an android based mobile payment system using quick response code technology and a hybrid cryptographic scheme. To achieve a better security in the system, we implemented symmetric, asymmetric cryptography alongside hashing and message authentication codes simultaneously in the system protocol. The results obtained depict a secure mobile payment system which makes use of dual authentication mechanism by two distinct entities.
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