| Abstract |
The idea of electronic-digital money presents nowadays the most ambitious solution for electronic payments. In effect it is a new instrument that matches the characteristics of classical money (anonymity, difficulty in counterfeiting, large scale acceptance) in a form suitable to be stored in an electronic device. Many proposals have been presented and some of them have been commercially accepted. The target of this thesis is to design an electronic payment system that converges the notions of electronic wallet, ATM machine, ATM cash card and debit card into a single application that runs inside a mobile telephone. Guidelines to that are high level security, capability of off line transactions and user mobility. The carrier medium selected to employ this application is GPRS which stands for General Packet Radio System. Cornerstone in the architecture of the platform was the SSL protocol. SSL offers a simple and effective way to establish secure channels between a client and a server. The user is capable of making payments with his digital coins off-line using bluetooth without the intervention of the Bank. During the construction of digital coins the notion of Blind Signatures was not used. Although the use of Blind Signatures offers anonymity in transactions, the use in a real system has serious problems because of the large data produced in the database with the serial numbers of the digital coins. The safety of the proposed system is not based on tamper-proof hardware, but on the proposed protocol which defines the transactions among the participating entities. The proposed protocol also gives the bank the ability to detect fraud such as double spending and counterfeiting.
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Σχεδίαση Πλατφόρμας Ηλεκτρονικών Πληρωμών πάνω από GSM ασύρματο δίκτυο
