An Open, PKI-Based Mobile Payment System

Most mobile commerce applications require a secure mobile payment solution for performing financial transactions. However, it is difficult to strongly authenticate users remotely and provide non-repudiation of transactions. In this paper, we present a novel mobile payment scheme which supports both...

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Bibliographic Details
Published inEmerging Trends in Information and Communication Security pp. 86 - 100
Main Authors Hassinen, Marko, Hyppönen, Konstantin, Haataja, Keijo
Format Book Chapter
LanguageEnglish
Published Berlin, Heidelberg Springer Berlin Heidelberg 2006
SeriesLecture Notes in Computer Science
Subjects
Mobile Network Operator
Mobile Payment
Mobile Phone
Near Field Communication
Short Message Service
Online AccessGet full text
ISBN9783540346401
3540346406
ISSN0302-9743
1611-3349
DOI10.1007/11766155_7

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Abstract Most mobile commerce applications require a secure mobile payment solution for performing financial transactions. However, it is difficult to strongly authenticate users remotely and provide non-repudiation of transactions. In this paper, we present a novel mobile payment scheme which supports both virtual point-of-sale (POS) and real POS transactions. For user authentication, our scheme uses PKI-SIM cards. In virtual POS payments, the mobile phone communicates with a service provider through SMS messaging or IP-based data transfer (e.g. GPRS). In real POS payments, Bluetooth is used as the communication channel. Communication with a bank is done using either SMS messaging or IP-based data transfer. The system is open to any mobile network operator, any merchant, and any financial institution.
AbstractList Most mobile commerce applications require a secure mobile payment solution for performing financial transactions. However, it is difficult to strongly authenticate users remotely and provide non-repudiation of transactions. In this paper, we present a novel mobile payment scheme which supports both virtual point-of-sale (POS) and real POS transactions. For user authentication, our scheme uses PKI-SIM cards. In virtual POS payments, the mobile phone communicates with a service provider through SMS messaging or IP-based data transfer (e.g. GPRS). In real POS payments, Bluetooth is used as the communication channel. Communication with a bank is done using either SMS messaging or IP-based data transfer. The system is open to any mobile network operator, any merchant, and any financial institution.
Author Haataja, Keijo
Hyppönen, Konstantin
Hassinen, Marko
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Snippet Most mobile commerce applications require a secure mobile payment solution for performing financial transactions. However, it is difficult to strongly...
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StartPage 86
SubjectTerms Mobile Network Operator
Mobile Payment
Mobile Phone
Near Field Communication
Short Message Service
Title An Open, PKI-Based Mobile Payment System
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