On Next Generation Electronic Payment Schemes

• Main Authors: Pei-Ling Yu, 尤焙麟
• Other Authors: Chin-Laung Lei
• Format: Others
• Language: en_US
• Published: 2004
• Online Access: http://ndltd.ncl.edu.tw/handle/69729368182649074677

博士 === 國立臺灣大學 === 電機工程學研究所 === 92 === Due to the admirable growth of the computing and networking technologies, the emergence of electronic commerce (EC) has caused a revolution in our way of daily life. Recently, the rapid evolution of wireless technologies has created another form of electronic commerce, referred to as mobile commerce (MC). Without secure and convenient payment methods, however, these business models cannot reach a total success. In this dissertation, we address the essential issues of electronic payment schemes. We propose a user-efficient fair blind signature scheme based on Quadratic Residues (QR). In this scheme, a user has to do only a few molular additions and multiplications rather than time-consuming molular exponentials. Such a feature is extremely valuable in the era of mobile commerce, where user devices are usually with limited computing power. Then we construct an efficient fair e-cash scheme for mobile commerce based on the proposed fair blind signature scheme. At the same time, we propose a deposit delegation protocol for all e-cash systems, and we believe it is critical for e-cash systems to be scalable. Besides, we design a PDA-based debit scheme and a mobile phone payment scheme. Both these mobile payment schemes can be easily extended to Internet EC and mobile commerce. In addition, we propose an anonymous buyer-seller watermarking protocol based on e-cash. The watermarking protocol successfully addresses the customer''s right problem and the unbinding problem. We take advantage of the untraceable property of e-cash to protect buyer''s anonymity. Howbeit, the buyer''s real identity can be unambiguously traced if he/she illegally distributes his/her copy.