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弹性支付:即时点对点离线扩展数字支付系统
Annapureddy Venkata Sai Kumar Reddy1, Gourinath Banda1
1Department of Computer Science and Engineering, Indian Institute of Technology Indore, Indore 453552, India.
弹性支付能够实现安全的点对点离线数字支付,克服了需要互联网接入的中央银行数字货币 (CBDC) 的局限性. 这种新的系统确保了交易隐私,并使用先进的硬件安全性防止了双重支出.
科学领域:
- 计算机科学 计算机科学
- 网络安全 网络安全
- 数字金融数字金融
背景情况:
- 传统的纸币面临着伪造和环境问题等挑战.
- 中央银行数字货币 (CBDC) 提供解决方案,但需要持续的互联网连接,限制在线环境中的可访问性.
研究的目的:
- 推出ElasticPay,一个点对点 (P2P) 线下数字支付系统.
- 解决CBDC在网络接入不良或不存在的地区的局限性.
- 加强数字货币生态系统的安全性和包容性.
主要方法:
- 利用先进的硬件安全性:可信平台模块 (TPM),可信执行环境 (TEE) 和安全元素 (SE).
- 实施一种新的点对点 (P2P) 离线数字支付架构.
- 在iPhone上演示解决方案,使用其Secure Enclave集成安全功能.
主要成果:
- 弹性支付确保了交易隐私,不可伪造性和立即结算.
- 该系统有效地防止了线下场景中的双重支出.
- 实验验证证证实了该系统的可靠性,实用性和适用于各种环境的可扩展性.
结论:
- 弹性支付 (ElasticPay) 为安全和包容的离线数字支付提供了一个可行的解决方案.
- 该系统通过消除对连续互联网连接的依赖,提高了CBDC的可用性.
- 使用集成的硬件安全功能,如iPhone的Secure Enclave,证明了强大的线下交易处理的有效性.
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