An Extended Payment Model with Fair Non-Repudiation Protocols for M-Commerce

This paper proposes an extended mobile payment service model founded on the existing ones to solve the non-repudiation problems with fair non-repudiation protocols for all phases in a typical m-commerce transaction. The novel model bases on assumptions about the cooperation between mobile network operators and financial institutions to deal with different payment amounts ranging from micro to macro payments. Joint signatures are employed to overcome the limitations of mobile handheld devices and to reduce the trust dependence totally on the payment service.