Noname manuscript No. (will be inserted by the editor) Resuscitating Privacy-Preserving Mobile Payment with Customer in Complete Control

Abstract Credit/debit card payment transactions do not protect the privacy of the customer. Once the card is handed over to the merchant for payment process-ing, customers are “no longer in control ” on how their card details and money are handled. This leads to card fraud, identity theft, and customer profiling. Therefore for those customers who value their privacy and secu-rity of their payment transactions, this paper proposes a choice- an alternate mobile payment model called “Pre-Paid Mobile HTTPS-based Payment model”. In our proposed payment model the customer obtains the mer-chant’s bank account information and then instructs his/her bank to transfer the money to the merchant’s bank account. We utilize Near Field Communication (NFC) protocol to obtain the merchant’s bank account information into the customer’s NFC-enabled smart-phone. We also use partially blind signature scheme to hide the customers ’ identity from the bank. Therefore our payment model provides the customer with com-plete control on his/her payments and privacy protec-tion from both the bank and the merchant. We em-ulated our proposed mobile payment model using An-droid SDK 2.1 platform and analyzed its execution time