A Mobile Payment System Through Independent M-Signature Service

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Executive Summary

Nowadays a great number of applications require the use of Electronic Signature (e-signature) and non-repudiation services such as certified e-mail, contract signing, electronic payment system and etc... The authenticity and integrity generated by e-signature in electronic document is like a handwritten signature in the paper document. The mobile user would be able to use any application that requires an e-signature is called as Mobile Signature (m-signature). M-signature can be created by different ways, such as Server-based signatures, Mobile Signature Service (MSS), Mobile Signature Application Unit (MSAU). But those have several limitations. In this paper, the authors present the implementation of mobile payment system using m-signature service to an insurance company and for a mobile shop.

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