@inproceedings{e302511ebfd243519c53dc5b270a75f5,
title = "Porting the Pay with a (Group) Selfie (PGS) Payment System to Crypto Currency",
abstract = "Pay with a (Group) Selfie (PGS) is a novel payment system developed at Khalifa University in the UAE, and currently under test at the Institut de Math{\'e}matiques et Science Physique (IMSP) in Benin. The PGS system uses a group selfie to gather all information items needed to encode a purchase: the seller, the buyer, the service/product and the agreed price. Using Visual Cryptography (VC), the photo is then “digitally ripped” into two shares, one for the buyer and one for the seller. In the current version of PGS, these shares are eventually and independently sent to a Bank that cooperates to offer the digital payment service to population living in rural areas. When the purchases of a buyer at a given seller pass a pre-set threshold, the Bank executes a traditional fund transfer between the two. This way, PGS spreads the Bank{\textquoteright}s transfer fee over multiple purchases, decreasing the financial cost of each purchase. This paper discusses the challenges of transparently coupling the PGS payment system with digital wallets holding a crypto currency, bringing the financial cost of each purchase to zero.",
keywords = "Crypto currency, Payment metaphors, mobile payment systems, Trust, Visual Cryptography",
author = "Ernesto Damiani and Houngbo, {Perpetus Jacques} and Hounsou, {Jo{\"e}l T.} and Rasool Asal and Stelvio Cimato and Fulvio Frati and Dina Shehada and Yeun, {Chan Yeob}",
note = "Funding Information: Acknowledgements. This work has been partly funded by the Bill & Melinda Gates Foundation under the grant n. APP198273. Publisher Copyright: {\textcopyright} 2018, ICST Institute for Computer Sciences, Social Informatics and Telecommunications Engineering.; 1st International Conference on Emerging Technologies for Developing Countries, AFRICATEK 2017 ; Conference date: 27-03-2017 Through 28-03-2017",
year = "2018",
doi = "10.1007/978-3-319-67837-5_15",
language = "British English",
isbn = "9783319678368",
series = "Lecture Notes of the Institute for Computer Sciences, Social-Informatics and Telecommunications Engineering, LNICST",
publisher = "Springer Verlag",
pages = "159--168",
editor = "Rachida Dssouli and Hamid Harroud and Max Agueh and Fatna Belqasmi and Faouzi Kamoun",
booktitle = "Emerging Technologies for Developing Countries - 1st International EAI Conference, AFRICATEK 2017, Proceedings",
address = "Germany",
}
