Research on Offline Transaction Model in Mobile Payment System

Mobile payment is a killer wireless network service in the e-commerce. Currently, the typical e-commerce modes based on mobile payment still encounter the problems to meet consumers’ daily needs such as: supporting the macro payment, supporting the offline transaction, improving the validity of payment. This paper puts forward an Offline transaction e-commerce system model based on mobile payment which includes the offline POS terminal, mobile device, payment center. The key idea of this model is using the mobile device as a medium to transfer the offline terminals’ transaction voucher and payment center’s payment confirmation to complete the transaction. In this model, the transaction voucher, a random generated ID on the offline POS terminal, is signed by the digital signature technology on the payment center to generate the payment confirmation. And the digital signature verification of payment confirmation, which applies the emerging ID-based cryptography for key agreement and authentication, is the guarantee of the validity in offline transaction. The offline transaction model based on mobile payment saves the costs of wiring and also makes the transaction process more convenient.