Hash based two gateway payment protocol ensuring accountability with dynamic ID-verifier for digital goods providers

Abstract

Mobile web payment for online shopping is done using only single gateway. If a customer wants to use balances of two different bank accounts in a single transaction then the customer has to transfer this fund to any one of the bank account and then he/she can start the transaction. This is a time consuming process. In this situation, the facility of making the payment via two gateways for a single transaction is more convenient to the customer. Our work is mainly devoted to design an efficient payment protocol that can be used in portable payment devices for making the payment via two gateways for digital goods providers. The proposed scheme is analyzed using an automated tool CPSA, based on different security features and computation overhead. Moreover, the computation overhead of this protocol is less than that of the other schemes.