SmartSET: A Credit-Based Smart Card Payment System with Enhanced Privacy and Versatility

• Main Authors: CHI-EN YIN, 尹奇恩
• Other Authors: CHIN-LAUNG LEI
• Format: Others
• Language: en_US
• Published: 2001
• Online Access: http://ndltd.ncl.edu.tw/handle/09503943290940412893

碩士 === 國立臺灣大學 === 電機工程學研究所 === 89 === In the last decade, researchers keep designing electronic payment systems. In the meantime, the payment leading industry also starts the first trial to the mass market. Broadly speaking, there are two main categories in respect of money flow. One is the cash-like system, which emphasizes in anonymity and is suitable for smaller transaction amounts. The other is the check-like system, which possesses strong security and is suitable for macro-payment. In respect of check-like systems, the dual signature of SET (Secure Electronic Transaction) protects credit card numbers from the knowledge of the merchant as well as protects the detail of the order from the knowledge of the issuer and the acquirer, but the banks can still record who the merchant is and furthermore, analyze the transaction route of the cardholder. In this thesis, we propose a SET-like system, SmartSET, which not only prevents the issuer having the knowledge of the transaction route of the cardholder but frustrates the acquirer and the merchant analyzing the route of pseudonyms. To address most commerce activities, we also design a versatile discriminating model, which unleashes the burdan of withdrawals vastly and reduces the damage of a card loss in the same time. Besides, SmartSET is a solution in both the worlds and the off-line mode of SmartSET is capable of accomplishing transactions on the street in seconds; it is not only more versatile compared to the state-of-art cash-like systems but also provides more privacy compared to the state-of-art check-like systems.