NetPay: An off-line, decentralized micro-payment system for thin-client applications

Micro-payment systems have become popular in recent times as the desire to support low-value, high-volume transactions of text, music, clip-art, video and other media has increased. We describe NetPay, a micro-payment system characterized by de-centralized, off-line processing, customer anonymity and relatively high performance and security using one-way hashing functions for encryption. We describe the motivation for NetPay and its basic protocol, describe a software architecture and two NetPay prototypes we have developed, and report the results of several evaluations of these prototypes.

[1]  Huang Zheng,et al.  Electronic payment in mobile environment , 2002, Proceedings. 13th International Workshop on Database and Expert Systems Applications.

[2]  John C. Grundy,et al.  Three Kinds of E-wallets for a NetPay Micro-Payment System , 2004, WISE.

[3]  Amir Herzberg,et al.  Safeguarding Digital Library Contents: Charging for Online Content , 1998, D Lib Mag..

[4]  Graham Wrightson,et al.  SubScrip - An efficient protocol for pay-per-view payments on the Internet , 1996 .

[5]  John C. Grundy,et al.  Architecure of a Micro- payment System for Thin- Client Web Applications , 2002, International Conference on Internet Computing.

[6]  John C. Grundy,et al.  Architecture for a Component-Based, Plug-In Micro-payment System , 2003, APWeb.

[7]  R. K. Shyamasundar,et al.  An efficient, secure and delegable micro-payment system , 2004, IEEE International Conference on e-Technology, e-Commerce and e-Service, 2004. EEE '04. 2004.

[8]  Seong-Whan Kim,et al.  Implementation of anonymity-based e-payment system for M-commerce , 2002, IEEE 2002 International Conference on Communications, Circuits and Systems and West Sino Expositions.

[9]  Robert Mcgarvey.  Small change : Micropayments enable teensy content purchases , 2001 .

[10]  Sung-Ming Yen.  PayFair: a prepaid internet micropayment scheme ensuring customer fairness , 2001 .

[11]  Mark S. Manasse,et al.  The Millicent Protocols for Electronic Commerce , 1995, USENIX Workshop on Electronic Commerce.

[12]  John C. Grundy,et al.  Customer Perceptions of a Thin-Client Micro-Payment System: Issues and Experiences , 2003, J. Organ. End User Comput..

[13]  Ji Dong.  A Micropayment Protocol Based on PayWord , 2002 .

[14]  Ronald L. Rivest,et al.  Certificate Chain Discovery in SPKI/SDSI , 2002, J. Comput. Secur..

[15]  Jacques Stern,et al.  SVP: A Flexible Micropayment Scheme , 1997, Financial Cryptography.

[16]  Adi Shamir,et al.  PayWord and MicroMint: Two Simple Micropayment Schemes , 1996, Security Protocols Workshop.

[17]  Ed Dawson,et al.  Micropayments for Wireless Communications , 2000, ICISC.

[18]  Ali Al-Qayedi,et al.  Secured multi-identity mobile infrastructure and offline mobile-assisted micro-payment application , 2004, 2004 IEEE Wireless Communications and Networking Conference (IEEE Cat. No.04TH8733).

[19]  Min-Shiang Hwang,et al.  A simple micro-payment scheme , 2001, J. Syst. Softw..