一种基于票据的新型微支付方案

A New Micropayment Scheme Based on Scrip

本文提出了一种基于票据的新型高效微支付方案,它采用票据许可生产的模式,由商家授权经纪人生成商家票据,并由商家在线验证票据的合法性。同时,该方案使用会话密钥对交易信息进行加密,大大地提升了安全性等级,票据标识的唯一性又能够有效防止消费者的重复花费。与其它微支付方案相比,由于本方案完全没有使用公开密钥算法,且协议执行中所需保存的信息比较简单,因而系统的计算开销和存储开销大大减少。此外,本方案支持数字货币的可分性和可转移性。

This paper proposes a new efficient micropayment scheme based on scrip,where a merchant can authorize the broker via licensed scrip production to produce vendor scrip the vendor validates and accepts on-line during payment. Moreover, all the information with regard to payment is encrypted using a shared symmetric key,which improves the security standard of our scheme and it can prevent the consumer from double spending because the identifier of the scrip is unique. Compared with other micropayment schemes in existence ,no public-key operation is required and the information stored is very simple, which minimizes the computation and storage overhead dramatically. In addition,our scheme supports divisibility and transferability of digital coins in a simpler way.