Connecting Electronic Wallets to Achieve Cross-Platform P2P Micropayments

Abstract: There are many different ways to conduct a payment in today’s society. The most common ways to transfer money is by using bank transfer, credit and debit cards or e-wallets. Global and instant micropayments are however not possible using different e-wallets as endpoints. In this report, the authors try to find a feasible solution to this by using and combining the functionalities of two e-wallets by connecting them. Research is made on potential endpoint e-wallets and Swish and PayPal are selected to be used in the system. A distributed system model is built and an initial prototype is implemented based on wire transfers. The system is tested using a integration testing strategy and the performance of the prototype is validated by measuring the execution time of the system. The results from the unit and system tests are collected and the system is verified by passing all integration tests. It is concluded that there is a feasible solution for connecting the e-wallets and that even more e-wallets could be integrated into the system. Lastly, the authors discuss the project and future work.