posted 8 years ago
When it comes to payment (debit or credit), think e-commerce. How does Amazon or the like do it?
Without knowing your assignment requirements, have an external party take care of the payment processing I think will be simplest.
Of course the payment will need to met security standard like X-bit encryption, SSL transport .. stuff like that. Have a search on Google for "secure electronic transaction" (SET)
When it comes to auth, the external party (bank or not) will need to know who the person is. Such auth form usually is part of the payment system (provided by external party). An example is if you make transaction with VISA credit card, the bank that issued the card will have some form for you to enter name and stuff. That form is not in your app.
Hope this helps.
K. Tsang CEng MBCS PMP PMI-ACP OCMJEA OCPJP