An on-line electronic check system with mutual authentication

In recent years, electronic check (echeck) has been more and more popular on the electronic commerce application. For this reason, there were many scholars have proposed the security issues for related echeck. Chang et al. present their views on echeck to improve the past scheme. Chang et al.’s scheme achieves the security of system and provides mutual authentication between payer and payee. However, there still has nonanonymity, time synchronous and too large computing issues in their scheme. We therefore propose an improving scheme to avoid these defects. Keywords— electronic check, electronic commerce, mutual authentication, nonanonymity, time synchronous