In 1988, Chaum et al. introduced the idea of electronic check. Then, Pasupathinathan et al. tried to come up with an electronic checkbook scheme. However, their scheme requires signature for each e-check and is not considered as an e-checkbook. Later, three e-checkbook propositions are made by T.H Chen et al., Chang et al., and C.L. Chen et al. based on the scheme of W.K. Chen et al.. Recently, Sertkaya and Kalkar showed that these three e-checkbook schemes are susceptible to e-check forgery and/or e-check manipulation attacks. They also proposed fixes for these schemes. Nonetheless, fixed versions also carry out drawbacks of the original schemes, like heavy hashing computations, time-synchronization issues, and multiple communication rounds. This study offers an efficient and secure e-checkbook scheme with mutual authentication.
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