The rise of smartphones has led to a significant increase in the usage of mobile payments. Mobile payments allow individuals to access financial resources and make transactions through their mobile devices while on the go. However, the current mobile payment systems were designed to align with traditional payment structures, which limits the full potential of smartphones, including their security features. This has become a major concern in the rapidly growing mobile payment market. To address these security concerns,in this paper we propose new mobile payment architecture. This architecture leverages the advanced capabilities of modern smartphones to verify various aspects of a payment, such as funds, biometrics, location, and others. The proposed system aims to guarantee the legitimacy of transactions and protect against identity theft by verifying multiple elements of a payment. The security of mobile payment systems is crucial, given the rapid growth of the market. Evaluating mobile payment systems based on their authentication, encryption, and fraud detection capabilities is of utmost importance. The proposed architecture provides a secure mobile payment solution that enhances the overall payment experience by taking advantage of the advanced capabilities of modern smartphones. This will not only improve the security of mobile payments but also offer a more user-friendly payment experience for consumers.

翻译：智能手机的普及使得移动支付的使用大幅增加。移动支付让个人能够在移动过程中通过移动设备获取金融资源并进行交易。然而，当前的移动支付系统是为适配传统支付结构而设计的，这限制了智能手机的全部潜力，包括其安全功能。这一直是快速增长移动支付市场中的主要担忧。为解决这些安全问题，本文提出了一种新的移动支付架构。该架构利用现代智能手机的先进能力来验证支付中的多个要素，如资金、生物特征、位置等。所提系统旨在通过验证支付的多个元素来保证交易的合法性并防范身份盗窃。鉴于市场的快速增长，移动支付系统的安全性至关重要。基于认证、加密和欺诈检测能力评估移动支付系统具有最高重要性。所提架构提供了一种安全的移动支付解决方案，通过利用现代智能手机的先进能力提升了整体支付体验。这不仅将提高移动支付的安全性，还能为消费者提供更友好的支付体验。