D-cash: A flexible pre-paid e-cash scheme for date-attachment

The electronic payment system is one of the most important success factors in electronic commerce. In this paper, we propose D-Cash, a practical and flexible date-attachment pre-paid e-cash scheme. Briefly speaking, there are three important dates, including the withdrawal date, the effective date and the deposit date, in an e-coin lifetime before it is deposited in the bank. In pre-paid systems, the withdrawal date and the effective date are important to customers and merchants if the interest of e-cash is considered. Although several pre-paid schemes for date-attachment have been proposed, the interest of e-cash during the withdrawal date and the effective date is ignored. In D-Cash, the interest of e-cash during the withdrawal date and the effective date is addressed for attracting customers to use the pre-paid e-cash schemes, the attachment and management of dates are more simple and flexible than other date-attachment e-cash schemes, and the untraceability property is also preserved.