一种小额支付协议的研究与设计

分析了PayWord这种小额支付协议,针对PayWord的一些关于交易原子性的局限性,提出了一种新的支付协议--CertWord,此协议沿用PayWord协议的Payword链来表示货币,充分利用交易证书对交易信息进行签名,并记录交易步骤的状态,从流程上保证交易的原子性。     

基于Merkle树的微支付方案

针对PayWord协议在频繁更换商家的场合中执行效率不高的问题,提出了一种基于Merkle。树的微支付方案,它通过使用MerKle树将散列链连接起来,使多个散列链共用一个消费者数字签名,从而减少了公钥签名的数量,节省了计算开销,适用于消费者对多个商家进行支付。此外,还对该方案进行了扩展,将消费者在支付过程中的计算量由0(n)降低到O(n^1/2),因此方案的执行效率大大提高。     

Fair Micropayment System Based on Hash Chains

Micropayment schemes usually do not provide fairness, which means that either the customer or the merchant, or both, can cheat each other and gain a financial advantage by misusing the protocols. This paper proposes an efficient hash chain-based micropayment scheme, which is an offline, prepaid scheme that supports simpler divisibility of digital coins. In the execution of payment protocol, the customer‘s disbursement and the merchant‘s submittal are performed step by step, whoever cannot gain addition profits even if he breaks off the transaction. The hash chain can also be used for transactions with different merchants. Unlike other micropayment schemes, e.g., PayWord, no public-key operation is required, which improves the efficiency. The scheme also provides restricted anonymity.