With growing risks to student data, there is a greater need for digital wallets that respect privacy in online education. Our goal is to keep information private, hard to link, and usable, without using blockchain. We are ensuring that our solution is easy to use and meets the standards for both schools and students. The wallet utilizes basic public and private keys to safeguard information, and a standard login system to simplify the login process. We use a method that only displays the necessary information, helping to keep other details private. A special signature method stops different services from linking your information together. We track credential status using a small list of credentials. The system has a short memory to keep things fast and upto- date. We ensure that the phone or computer can be used even when offline, for rentals and payments. Checks still work even if the internet is unreliable. We control spending using clear rules and limit digital payments by item, amount, region, and time. We start with basic logins, then add new ways to share credentials, and finally add advanced signing tools. We also explore methods to verify information online without relying on complex technology, such as using trusted computers or hidden signatures, to meet specific needs. More complicated methods are saved for special cases. This keeps our design simple but flexible. As a result, the system limits the amount of data that is shared or connected, while still allowing for checks and growth. This leads to easier verification and strong privacy in different situations.
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Abstract 1. INTRODUCTION 2. RELATED WORK 2.1 OIDC Ordered Selective Disclosure and Threat Mitigation 2.2 Anonymous Credentials and State Management 2.3 WebAuthn Adoption and Device Security 3. A proposed ledger-independent, lightweight DID-based university e-wallet system 3.1 System configuration 3.2 Components and Functions 3.3 Implementation Guide 4. Ledger-independent, lightweight DID and secure design 4.1 Security Requirement and Principles 4.2 Security Controls 5. PERFORMANCE EVALUATION 5.1 Evaluation setting 6. RESULTS 7. DISCISSOION 8. Conclusion REFERENCES