Abstract: This paper introduces a new pattern of offline electronic payment th at is secure and real-time by means of the electronic wallet of smart card. It a lso makes use of hybrid cryptosystem and digital signature scheme on the basis o f PKI and identity-based cryptosystem, which makes it has the explicit function as conventional cash. It is an effective supplement to the present online electr onic payment patterns and provides a new way for further application of digital cash and mobile electronic payment.

摘要： 通过引入公开密钥基础设施（PKI）体系和基于身份的认证技术，采用混合加密体 制和数字签名技术，利用智能卡的电子钱包功能，设计了一种安全的离线实时支付模式，可 以较好地模拟传统现金的直接交易功能。它是对现有电子支付模式的有效补充，为数字现金 和移动电子支付的进一步应用提供了一种新的模式和途径。

关键词: 电子支付, 安全, 离线, 实时

CLC Number: 

• TP393.09