基于电子钱包的移动微支付方案

Mobile micropayment scheme based on e-wallet

为了使移动微支付方案能够提供更安全便捷的支付服务,设计了一种基于电子钱包的微支付方案.该方案由用户、商家、可信支付平台(trusted payment platform,TPP)共同组成,电子钱包作为联系用户和商家的安全平台,可协助用户安全地完成移动微支付交易,且实现对微支付账户的管理和更新.利用哈希链生成支付节点,使用对称加密算法和公钥签名算法对数字交易过程进行加密并提供身份认证服务.结果表明,电子钱包的引入可以及时检测到用户的二次花费,该方案安全性能好,系统运行效率高.

Mobile micropayment combined with e-wallet enables secure and convenient payment service.A secure micropayment scheme based on e-wallet is presented,which consists of three parties：customer,merchant and TPP.Customers and merchants have accounts administrated by TPP and e-wallet acts as a secure bridge between customers and merchants to help customer accomplish secure mobile micropayment transactions.This scheme generates payment nodes via hash chains and provides confidentiality as well as identity authentication via symmetric encryption algorithm and digital signature.It is also convenient to use e-wallet for managing and updating micropayment accounts.Security analysis shows that e-wallet can detect the double spending of customers in time.Meanwhile,the use of symmetric crypto algorithms improves the performance of the micropayment scheme.