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Credit/debit card payment transactions do not protect the privacy of the customer. Once the card is handed over to the merchant for payment processing, customers are "No longer in control" on how their card details and money are handled. This leads to card fraud, identity theft, and customer profiling. Therefore for those customers who value their privacy and security of their payment transactions, this paper proposes a choice - an alternate mobile payment model called "Pre-Paid Mobile HTTPS-based Payment model".
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