Research of Security Mobile Payment Protocol in Communication Restrictions Scenarios

Lots of existing mobile payment protocols base on the scenarios of full connectivity, which could not meet the requirements of mobile restrictions communication scenarios. To solve the security issue of the mobile payment in the restrictions communication scenarios, this paper proposes a new security mobile payment protocol in the merchant center scenarios (customers and issuers can not be directly connected) based on studying the 3-D secure protocol. The protocol uses the message recovery signature scheme and symmetric encryption, provides mutual authentication between the participating entities, and achieves the anonymity, confidentiality of information and integrity. The new protocol verified by using the advanced SVO logic, and results show that the protocol guarantees non-repudiation.