Anonymous Mobile Payment Solution


  • Alhaj Ali Jalila IT&C Security Master Department of Economic Informatics and Cybernetics The Bucharest University of Economic Studies


Anonymity, Security, OTP, QR Code, Mobile Payment, Token, Digital Signatures


The evolution and increasing popularity of mobile handheld devices has led to the development of payment applications. The global acceptance of mobile payments is hindered by security and privacy concerns. One of the main problems evoked is the anonymity related with banking transactions. In this paper I propose a new secured architecture for mobile banking. Anonymity and privacy protection are the measures to be enhanced in order to satisfy people’s current needs. The banking platform must provide the highest level of security for messages exchanged between bank and the customer.


Consumers and mobile finacial, Bord of governors of the federal reserve system, pp. 6.[2]Tiwari, Rajnish and Buse, Stephan,The Mobile Commerce Prospects: A Strategic Analysis of Opportunities in the Banking Sector, 2007

Fred Cheng,A Secure Mobile OTP Token, Mobilware, 2010.

Sadiq Almuairfi, Prakash Veeraraghavan, Anonymous proximity mobile payment (APMP), Springer Science andBusiness Media New York 2012

Constantin Popescu, An Anonymous Mobile Payment System Based on Bilinear Pairings, Institute of Mathematics and Informatics, Vilniu, 2009, pp 8.

Donal O'Mahony, Michael Peirce, Hitesh Tewari, Electronic payment systems for e-commerce, Artech House, 2001.




How to Cite

Jalila, A. A. (2015). Anonymous Mobile Payment Solution. Journal of Mobile, Embedded and Distributed Systems, 7(3), 113-120. Retrieved from