Off-Line Micro-Payment Protocol for Multiple Vendors in Mobile Commerce

Micro-payment systems have the potential to provide non-intrusive, high-volume and low-cost pay as-you-use services for a wide variety of Web-based applications. Previously we have developed NetPay, at off-line micro-payment protocol for e-commerce. In this paper, we describe a set of extensions, mobile NetPay, optimised for mobile e-commerce. Mobile NetPay provides high performance and security using one-way hashing functions for e-coin encryption. Each mobile user's transaction does not involve any broke, and double spending is detected during the redeeming transaction. We describe the motivation for mobile NetPay and describe three transactions of the mobile NetPay protocol in detail to illustrate the approach. We then discuss future research on this protocol