NetPay: An off-line, decentralized micro-payment system for thin-client applications

Xiaoling Dai, John Grundy

Research output: Contribution to journalArticleResearchpeer-review

45 Citations (Scopus)


Micro-payment systems have become popular in recent times as the desire to support low-value, high-volume transactions of text, music, clip-art, video and other media has increased. We describe NetPay, a micro-payment system characterized by de-centralized, off-line processing, customer anonymity and relatively high performance and security using one-way hashing functions for encryption. We describe the motivation for NetPay and its basic protocol, describe a software architecture and two NetPay prototypes we have developed, and report the results of several evaluations of these prototypes.

Original languageEnglish
Pages (from-to)91-101
Number of pages11
JournalElectronic Commerce Research and Applications
Issue number1
Publication statusPublished - 26 Mar 2007
Externally publishedYes


  • Electronic commerce
  • Electronic wallet
  • Micro-payment
  • Software architecture

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