Applied cryptography (2nd ed.): protocols, algorithms, and source code in C
Applied cryptography (2nd ed.): protocols, algorithms, and source code in C
Inside Java 2 platform security architecture, API design, and implementation
Inside Java 2 platform security architecture, API design, and implementation
Watermarking, tamper-proffing, and obfuscation: tools for software protection
IEEE Transactions on Software Engineering
Payments and banking with mobile personal devices
Communications of the ACM - Wireless networking security
SEMOPS: Design of a New Payment Service
DEXA '03 Proceedings of the 14th International Workshop on Database and Expert Systems Applications
Communications of the ACM - New architectures for financial services
Security of a Mobile Transaction: A Trust Model
Electronic Commerce Research
A Disruption Analysis in the Mobile Payment Market
HICSS '05 Proceedings of the Proceedings of the 38th Annual Hawaii International Conference on System Sciences (HICSS'05) - Track 3 - Volume 03
Merchant Adoption of Mobile Payment Systems
ICMB '05 Proceedings of the International Conference on Mobile Business
Mobile payment: A journey through existing procedures and standardization initiatives
IEEE Communications Surveys & Tutorials
Prevention of wormhole attacks in mobile commerce based on non-infrastructure wireless networks
Electronic Commerce Research and Applications
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Payments are the locomotive behind any business domain. It has been predicted that mobile payments will become one of the most successful mobile services, and the security of payments is an important requirement. However, it is difficult to strongly authenticate mobile users remotely and provide an adequate level of non-repudiation of transactions. In this article, we argue that a nationwide public-key infrastructure supported by governmental bodies can be used in a mobile payment system. Not only does it provide strong security, but it also makes the system open to any mobile user, merchant, or financial service provider. Two payment protocols are described: one for virtual point-of-sale payments, and one for vending machine payments. We argue that such a system can be implemented using open development platforms, and its performance is adequate for enabling swift transactions. A prototype of a system which accepts virtual point-of-sale payments is implemented, and its performance and usability are evaluated.