Secure remote mobile payment architecture and application

Emerging electronic commerce becomes popular together with the considerable increase of mobile device. Since mobile payments will become one of the most important mobile services. However, most people do not have a fancy for remote mobile payment, or only is limited to micro-payment. The most important problem they worry about is the security of the mobile devices and the applications along with the complexity of payment process. The paper presents a secure remote payment architecture based on smart card in mobile devices that simplifies the payment process and takes a finance measure to permit a more fairly allocation of risks between merchants and consumers. Furthermore, security policies between the security properties of the payment application and the resource limitations are defined. It not only provides strong security but also makes the system open to common payment. Finally, ID-based signature mechanism has advantages over the others based on CA in terms of key distribution and scalability of increasing security level for remote mobile payment service.