wireless payment protocol wpp jeyanthi hall susan kilbank
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Wireless Payment Protocol (WPP) Jeyanthi Hall, Susan Kilbank, - PowerPoint PPT Presentation

Wireless Payment Protocol (WPP) Jeyanthi Hall, Susan Kilbank, Michel Barbeau and Evangelos Kranakis Introduction Problem Electronic credit card and debit card transactions over wireless networks Contribution Wireless Payment


  1. Wireless Payment Protocol (WPP) Jeyanthi Hall, Susan Kilbank, Michel Barbeau and Evangelos Kranakis

  2. Introduction � Problem – Electronic credit card and debit card transactions over wireless networks � Contribution – Wireless Payment Protocol � Supports both credit- and debit-card transactions � Uses WAP’s Wireless Transport Layer Security � Combines smart card technology

  3. WPP Merchant 4. Confirmation Merchant’s Agent of payment Bank (MA) 1. Invoice, certificate 3. Notification & bank Information of payment sent Customer Customer’s Agent 2. Request for payment, Bank (CA) customer’s banking information & certificate, merchant’s banking information & certificate Customer

  4. Transaction Flow � Customer Agent to Customer’s Bank (no intermediary – Merchant Agent)

  5. Security � Payment instructions not sent to merchant � Encryption provided by Wireless Transport Layer Security � Merchant’s banking info and Customer’s payment instructions are digitally signed � Smart Card stores customer’s encrypted banking info � PIN authorizes access to Smart Card, doesn’t travel over the net

  6. Implementation � Uses Nokia’s WAP server and toolkit – Merchant’s site and Nokia phone � Uses Java 1.2 and Java Cryptographic Extension – Banking service – Certificate distribution service

  7. Execution

  8. Conclusion � Non-proprietary solution � Support for credit and debit card payments � Customer’s private data sent directly to the bank � Confidential information not transmitted to the merchant � PIN numbers don’t travel over the network � Lightweight

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