Using the same PayWord chains of a single account from multiple devices

Recent studies indicate that customer awareness of and interest in mobile payments have been increasing. With customers worrying about their personal data being hacked or intercepted, major barriers to adoption are security and privacy risks. We are presenting in this paper the design of a secure scheme for mobile payments which guarantees mutual non-repudiation between the customer, merchant, and banker. With the proposed scheme, a customer can make a payment with the same payword chains of a single account from multiple devices.