Mobile Payment Protocol Based on Dynamic Mobile Phone Token

With pertinence to the identity authentication and payment security in mobile payment, a mobile payment protocol based on dynamic mobile phone token is designed in this paper. The protocol is applicable in the general payment scenarios and realizes the identity authentication of the mobile terminal through fingerprint identification technique, and it also ensures the security of mobile payments using the dynamic token and the certificateless public key cryptography. It was revealed by the security analysis that this protocol can effectively authenticate the user's identity, and it also ensure the privacy security of the users, thus effectively resisting the replay attacks and avoiding the users' repudiation of the transactions. In addition, it features remarkable computational efficiency.