A verification protocol of mobile payment based on signature recognition

This research proposes a new method combining signature verification and near field communications into existing processes. We discuss transaction tools, transaction protocol and authentication protocol based on the principle of "identity verification prior to card authentication". We also establish a fair third-party platform, Signature Verification Management Center, to manage businesses related to signature verification. A signature management system, a signature verification system and a signature database are designed in the proposed center. Various system components are established in which signature activities in the process are performed, and the agreement between center and other parties and the data transmission format are defined. System simulation shows that signature verification can improve transaction safety and reduce the vulnerability on mobile payment where the responsibility of verification is switched from merchants to the bank. In addition, the study suggests a standardized process of signature verification. It also provides legal evidence when dispute occurs.