IEEE Spectrum
IEEE Spectrum - Special issue: electronic money
Handbook of Applied Cryptography
Handbook of Applied Cryptography
The ESPRIT Project CAFE - High Security Digital Payment Systems
ESORICS '94 Proceedings of the Third European Symposium on Research in Computer Security
Wallet Databases with Observers
CRYPTO '92 Proceedings of the 12th Annual International Cryptology Conference on Advances in Cryptology
Localized Credentials for Server Assisted Mobile Wallet
ICCNMC '01 Proceedings of the 2001 International Conference on Computer Networks and Mobile Computing (ICCNMC'01)
Open Transnational System for Digital Currency Payments
HICSS '97 Proceedings of the 30th Hawaii International Conference on System Sciences: Advanced Technology Track - Volume 5
Strategies for provisioning and operating VHE services in multi-access networks
IEEE Communications Magazine
A review for mobile commerce research and applications
Decision Support Systems
Electronic payment scheme using identity-based cryptography
EuroPKI'07 Proceedings of the 4th European conference on Public Key Infrastructure: theory and practice
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We propose a generalization of the architecture of an electronic wallet, as first developed in the seminal European research project CAFE. With this model you can leave most of the content of your electronic wallet at the security of your residential electronic keeper, while roaming with your favorite mobile terminals. Emerging mobile handsets with both short range Bluetooth and cellular GPRS communications provide a sufficient communication platform for this electronic wallet architecture. However, new security requirements must be addressed, and new threats of attack must be carefully analyzed and met with appropriate security protocols. The proposed approach is fundamentally distinct from the remote wallet proposals, in that it protects important user requirements and takes a multiparty security approach using a fully decentralized architecture. Technically, the user remains in control of the input/output and usage of his credentials, likely carried by smart cards. At the same time, the model provides a solution to the pressing practical problem of the multitude of special-branded cards the user has to carry and sort. Currently used magnetic stripe and chip cards with applications such as debit and credit transactions are easily included within the architecture with minor enhancement to these legacy systems and their functionality. We show in this paper how an account-based payment system can be solved with the proposed architecture. Our claim is that users achieve payment mobility and independence of both terminals and payment service providers while maintaining secure access to their payment authorization credentials.