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General Information
Prof. Wael Badawy
Department of Computing and Information Systems Umm Al Qura University, Canada
I'm happy to take on the position of editor in chief of IJCTE. We encourage authors to submit papers concerning any branch of computer theory and engineering.
IJCTE 2015 Vol.7(5): 408-415 ISSN: 1793-8201
DOI: 10.7763/IJCTE.2015.V7.995

Development Method for Shariah Compliant e-Commerce Payment Processing

Tamrin Amboala, Ainnur Hafizah Anuar Mokhtar, Mohd Zulkifli Muhammad, Mohamad Fauzan bin Noordin, and Roslina Othman
Abstract—The article is a response to rapid uptake of online transactions that encompasses the secure transactions that comply with the Shariah principles. The algorithm in the articles proposed the inclusion of Intermediate Shariah Transaction Party (ISTP) as an intermediary for communications between merchant and customers before the transactions can be concluded. The design facilitates the efficient and effective e-commerce transaction process to alleviate three common shortcomings in e-commerce transactions namely riba’, gharar and the validity and the legality of e-commerce transactions from Shariah point of view without compromising the security aspects of the transactions. The designs were refined and presented before by the Islamic scholars before the final design was agreed on. This invention will become a major breakthrough in Shariah compliance ecommerce transactions in order to serve 2.1 billion Muslims Ummah worldwide.

Index Terms—Client, gharar, intermediate Shariah transaction party, merchant, riba’, Shariah compliant.

Tamrin Amboala and Ainnur Hafizah Anuar Mokhtar are with the Labuan School of Informatics Science, University Malaysia Sabah Labuan International Campus, Federal Territory of Labuan, Malaysia (e-mail: ramdzan_trn@yahoo.com, ain_146@hotmail.com).
Mohd Zulkifli Muhammad is with the Faculty of Entrepreneurship & Business, Universiti Malaysia Kelantan, Kelantan, Malaysia (e-mail: zulrider@yahoo.com).
Mohamad Fauzan bin Noordin and Roslina Othman are with Kuliyyah of Information & Communication Technology, International Islamic University Malaysia, Selangor, Malaysia (e-mail: fauzan@iium.edu.my, roslina@iium.edu.my).


Cite:Tamrin Amboala, Ainnur Hafizah Anuar Mokhtar, Mohd Zulkifli Muhammad, Mohamad Fauzan bin Noordin, and Roslina Othman, "Development Method for Shariah Compliant e-Commerce Payment Processing," International Journal of Computer Theory and Engineering vol. 7, no. 5, pp. 408-415, 2015.

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