In this paper, we propose an anonymous NFC-based payment protocol (ANP) using NFC phones in a mobile payment framework. Our protocol is compatible with EMV standards, and can be integrated into an NFC-enabled mobile device serving as a virtual credit card. Each role in the framework can only gather partial user information. Our protocol achieves anonymity, in which only the bank knows a user's real identity. TSM and the merchants are unable to break the anonymity. In a transaction, none can build up full relationship between a user's identity and his account, his card information or transaction records.
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