Contactless Credit Cards Payment Fraud Protection by Ambient Authentication

Yang, Ming Hour; Luo, Jia-Ning; Murugesan, Vijayalakshmi; Shalinie, S. Mercy

doi:10.3390/s22051989

Cited by 7 publications

(3 citation statements)

References 34 publications

(43 reference statements)

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“…Additionally, the pre-play attack occurs when the attacker collects sensitive data like PIN from the contactless card using a compromised POS terminal and then makes a fraudulent (unauthorized) transaction using the collected data (Lan, Xu, Zhang, Chen, & Luo, 2023). In contrast, in a mafia attack (aka mafia fraud), the attacker uses a malicious reader to conduct a contactless payment (Yang, Luo, Vijayalakshmi, & Shalinie, 2022). At the same time, in a cloning (skimming) attack, the attacker copies the contactless card information, like the card number stored in the chip, into another device (El Madhoun, Bertin, & Pujolle, 2018).…”

Section: Threats and Security Concerns In Contactless Cardsmentioning

confidence: 99%

Fingerprints to Authenticate Transactions in Contactless Cards

Ibrahim,

Al-Khalil

2023

SJUOZ

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The contactless bank card is a replica of the old fashion payment methods. The contactless card saves the customer a lot of time and effort because the cardholder can tap the card on the card reader instead of carrying a massive amount of cash or memorizing a long password. The transaction will be done in a few seconds, which is a magnificent technique for a very rush and speedy world like this. However, because the contactless card does not require a PIN or signature, it is vulnerable to different types of attacks, and the card can be used by every single person who has the card, even if they are not the real cardholder. Nevertheless, for each new problem, there is a unique solution. Hence this paper presents an innovative way to overcome this problem by embedding a fingerprint sensor into the contactless card to add an extra level of security by creating a virtual environment giving a contactless card and using a minutiae-based algorithm for fingerprint recognition in this contactless card. The work is evaluated based on accuracy using two metrics, false acceptance rate (FAR) and false rejection rate (FRR), algorithm’s matching time, and transaction time. This work shows a good result regarding the transaction time and the possibility of integrating the fingerprint into the contactless card. It displays how fingerprint image quality and features affect fingerprint authentication results. However, it also shows that minutiae-based techniques are not adequate when the dataset is relatively small and has data with low-quality and/or noisy data.

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Section: Threats and Security Concerns In Contactless Cardsmentioning

confidence: 99%

Fingerprints to Authenticate Transactions in Contactless Cards

Ibrahim,

Al-Khalil

2023

SJUOZ

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“…Trust is another issue that needs to be addressed in terms of credit card concerns [4]. Payment systems are the engine that drives e-commerce business, and a substantial amount of trust and security in cutting-edge technology is necessary [5]. Furthermore, it is not unusual for mobile users to switch to new solutions, adjust their payment routines, and encounter other types of security challenges [6][7].…”

Section: Introductionmentioning

confidence: 99%

Fraud Prediction in Movie Theater Credit Card Transactions using Machine Learning

Alshutayri

2023

Eng. Technol. Appl. Sci. Res.

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This paper highlights how the proliferation of online transactions, especially those involving the use of credit cards, has resulted in the emergence of new security flaws that pose threats to customers and enterprises worldwide. E-commerce and other forms of online monetary transactions have become essential in the manufacturing and service sectors, propelling the global economy. The widespread and dependent connectivity of mobile payment systems using credit card transactions presents chances for fraud, risk, and security breaches. In light of the importance of accurately predicting fraud incidents through payment procedures, this study investigated the credit card payment methods used for movie tickets, using the machine learning logistic regression method to analyze and predict such incidents. This study used a dataset from cinema ticket credit card transactions made in two days of September 2013 by European cardholders, including 284,807 transactions out of which 492 were fraudulent purchases. The results of the proposed method showed a prediction accuracy of 99%, proving its high prediction performance.

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“…Radio Frequency Identification High Frequency (RFID HF): access control, electronic tickets, tolls, micropayments [7,8], and loyalty programs.…”

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confidence: 99%

Electromagnetic Safety of Short-Range Radio Frequency Identification Systems

Musial,

Firlej,

Kubiak

et al. 2023

Electronics

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The intensive development of information and telecommunications technology has a very large impact on society. On the one hand, it greatly facilitates many activities in everyday life, such as searching for information, establishing contacts with other people, or controlling household appliances at a distance. On the other hand, it poses serious threats to our personal data, the information we process, or our property. One of the examples of such threats may be radio identification systems, enabling the registration of working time, entry into restricted zones in workplaces and offices, or warehouse data. Copying data from an identification card may allow unauthorized persons access to premises and data that they should not have. The article presents the principles of operation, the results of the conducted research, and their analysis in the aspect of security of the short-range radio frequency identification systems used in relation to the RFID 125 kHz system, broadly used in access control systems or time and attendance systems. Particular attention has been paid to the possibility of unauthorized acquisition of information contained in the identification card in order to, for example, copy it and gain access to specific protected zones. An analysis of the security of such systems was carried out not only in relation to the data carriers themselves but also to complete access control systems installed in buildings. The research focused especially on the ability to determine the range of information penetration, i.e., the distance of remote information acquisition using electromagnetic radiated emissions.

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Contactless Credit Cards Payment Fraud Protection by Ambient Authentication

Cited by 7 publications

References 34 publications

Fingerprints to Authenticate Transactions in Contactless Cards

Fingerprints to Authenticate Transactions in Contactless Cards

Fraud Prediction in Movie Theater Credit Card Transactions using Machine Learning

Electromagnetic Safety of Short-Range Radio Frequency Identification Systems

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