Abstract: A fair and anonymous mobile payment system model utilizing smart card was proposed. An anonymous offline digital-cash payment protocol was presented. It uses smart card as a distributed anonymity provider agent based on Schnorr signature scheme. It provides dynamic accountable anonymity and changing for digital-cash. It was proved that secure and accountable anonymity of digital-cash was guaranteed. The protocol was proved efficiency in mobile environmenu. A protocol for fair exchange timcsensitive goods was proposed. Our approach utilizes smart card on the Gustomer's side partly taking over the duties of the intermediary party. Besides supporting disconnected operations, our approach also allows the proper handling of time-sensitive items,a feature that previous protocols lack.

Key words: Mobile payment, I}imcsensitive, Smart card, Digital cash, Accountable anonymity, Fairness