Dual-Anonymous Off-Line Electronic Cash for Mobile Payment

Mobile devices have become near-ubiquitous tools in our daily lives. Following this trend, mobile commence is developed rapidly which in turns stimulates interests in mobile payment. Some prominent examples include Google’s Wallet, WeChat Pay, and Apple Pay. Most of these technologies, however, are designed for users to be able to pay conveniently to the business. In other words, they are designed with the business to user model in mind. Besides, an active network connection with an external payment server is required either from payer or payee during transaction. Our work intends to supplement existing solutions, which allows payment to be made in an off-line and dual-anonymous manner. In doing so, a dual-anonymous off-line electronic cash scheme is proposed by utilizing BBS+ signature. The feature of our scheme is dual-anonymous payment, which means that both the payer and the payee in any transaction cannot be identified even all other users and the payment server collude. Through security proof and performance analysis, we also demonstrate that the security of the proposed scheme can be reduced to standard assumptions and it is suitable for applications in mobile commerce.