Multi-bank mobile electronic payment system uses mobile terminals for electronic payments, which can circulate in multiple banks and cannot limit from the bank that issues the e-cash. The paper researches electronic payment on the withdrawal agreement, the pay agreement, the deposit agreement, the update protocol of the e-cash based on elliptic curve cryptography. The design of the system is more suitable for mobile payment terminals with limit of calculation capacity, storage, network bandwidth, and power supply, which meets the needs of the day-to-day transactions.
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