A fair trading protocol with off-line anonymous credit card payment is proposed in this paper. The fair trading protocol provides an overall solution for a trading process with off-line anonymous credit card payment. The fairness is achieved for both the involved client and merchant. The client information about credit card is anonymous in the protocol. The proposed protocol is based on the general optimistic protocols for fair exchange with an off-line Trusted Third Party (TTP). The financial institution for credit card service can be off-line in the fair trading protocol. The TTP and the financial institution for the credit card service are not involved in normal transactions and the running cost will be reduced.
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