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Design, implementation, and performance analysis of a secure payment protocol in a payment gateway centric model

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Abstract

Many mobile payment systems have emerged in the last few years which allow payments for services and goods from mobile devices. However, most of them have been based on a scenario where all the entities are directly connected to each other (formally called the full connectivity scenario) and do not consider those situations where the client cannot directly communicate with the merchant. We present the design and the implementation of an anonymous secure payment protocol based on the payment gateway centric scenario for mobile environments where the client cannot communicate directly with the merchant to process the payment request. Our proposed payment protocol uses symmetric-key operations because of their low computational requirements. We present a performance evaluation of the proposed payment protocol in a real environment. Performance results obtained with the implemented protocol demonstrate that our protocol achieves a small execution time (11.68 s) for a payment transaction using a mobile phone and a restricted scenario which causes only a slight increase in the number of the steps necessary to complete a payment transaction as a result of the lack of direct communication between the client and the merchant.

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Notes

  1. The BigInteger class is a library available in JAVA which allows the representation of very large numbers.

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Acknowledgments

We thank the anonymous reviewers for their constructive comments which helped us improve the presentation and quality of this paper. Sherali Zeadally was partially supported by a District of Columbia NASA Space Grant during the course of this work.

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Authors and Affiliations

  1. Computer Science Department (Facyt) Av. Universidad, Universidad de Carabobo, Sector Bárbula, Valencia, Venezuela

    Jesús Téllez Isaac

  2. Department of Computer Science and Information Technology, University of the District of Columbia, Washington, D.C., 20008, USA

    Sherali Zeadally

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  1. Jesús Téllez Isaac
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  2. Sherali Zeadally
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Correspondence to Sherali Zeadally.

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Isaac, J.T., Zeadally, S. Design, implementation, and performance analysis of a secure payment protocol in a payment gateway centric model. Computing 96, 587–611 (2014). https://doi.org/10.1007/s00607-013-0306-4

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