Swing-Pay: One Card Meets All User Payment and Identity Needs: A Digital Card Module using NFC and Biometric Authentication for Peer-to-Peer Payment

Ghosh, Shirsha; Majumder, Alak; Goswami, Joyeeta; Kumar, Abhishek; Mohanty, Saraju P.; Bhattacharyya, Budhaditya

doi:10.1109/mce.2016.2614522

Cited by 39 publications

(22 citation statements)

References 7 publications

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“…In terms of applications and uses, NFC‐based implementations paired with biometric authentication services are under development for cashless payment procedures. These peer‐to‐peer data transfer techniques are designed to eliminate the constraints and drawbacks of other state‐of‐the‐art payment methods . One implementation of such a system, known as Pay‐Cloak, uses an NFC‐enabled smartphone back cover integrated with Bluetooth and a fingerprint sensor to add extra security layers over the transaction process to keep the data safe .…”

Section: Related Workmentioning

confidence: 99%

“…These peer-to-peer data transfer techniques are designed to eliminate the constraints and drawbacks of other state-of-the-art payment methods. 11 One implementation of such a system, known as Pay-Cloak, uses an NFC-enabled smartphone back cover integrated with Bluetooth and a fingerprint sensor to add extra security layers over the transaction process to keep the data safe. 5 Most of the existing work available in the literature is about securing the data through encryption or authentication of NFC tags and data editing.…”

Section: Related Workmentioning

confidence: 99%

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Evaluating Near‐Field Communication tag security for identity theft prevention

Saeed

Sherazi

Khan

2019

Internet Technology Letters

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Near‐Field Communication (NFC) applications are growing at a rapid pace due to their user‐friendly nature and cost effectiveness. The growth of NFC applications has caught the attention of attackers who can target NFC entities (eg, tags and readers) to gain access to any stored information. NFC is a nascent technology that offers ease of use and secure communication. However, this technology can act as a doorway for major hacks, such as skimming and other identity theft problems. This article presents a technique that can still read the erased data from an NFC tag even if the tag has been erased employing conventional techniques. Furthermore, a set of recommendations is provided for the proper erasure of NFC tags to avoid leaving any traces of the erased data.

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Section: Related Workmentioning

confidence: 99%

Section: Related Workmentioning

confidence: 99%

Evaluating Near‐Field Communication tag security for identity theft prevention

Saeed

Sherazi

Khan

2019

Internet Technology Letters

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“…However, with continuous use, hackers found them as an easy prey and were successful in performing fraudulent transactions. Furthermore, a stretchable and ultrathin stamp is now available which users wear on the skin and can be employed for payment while being connected to a smart-phone [44] [45].…”

Section: B Historical Backgroundmentioning

confidence: 99%

“…Furthermore, the acceptance rate of debit cards was found to be 59 per cent while 50 per cent customers relied on credit cards. The contactless payment technologies are also seen to have lesser excitement among customers where only 5 to 6 per cent consumers believe that they would be using digital mode of payment by the year 2020 [68] [45]. The rates of acceptance of traditional as well as digital modes of payment have been given in Figures 4 and 5, respectively.…”

Section: B Comparison Of Payment Gatewaysmentioning

confidence: 99%

“…Owing to the technological innovations, about 40 per cent users of smart phones in India possess a mobile wallet [73]. Moreover, it was also reported that 74 per cent people intend to make use of a mobile wallet in the emerging markets whereas this figure goes down to mere 46 per cent in the developed markets [73] [45]. 265 | P a g e www.ijacsa.thesai.org In 2003, the total number of electronic exchanges were equivalent to 44.5 billion dollars, while the quantity of cheques paid were equal to 36.7 billion dollars.…”

Section: B Comparison Of Payment Gatewaysmentioning

confidence: 99%

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A Compendious Study of Online Payment Systems: Past Developments, Present Impact, and Future Considerations

Khan¹,

Olanrewaju²,

Baba³

et al. 2017

ijacsa

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Abstract-The advent of e-commerce together with the growth of the Internet promoted the digitisation of the payment process with the provision of various online payment methods like electronic cash, debit cards, credit cards, contactless payment, mobile wallets, etc. Besides, the services provided by mobile payment are gaining popularity day-by-day and are showing a transition by advancing towards a propitious future of speculative prospects in conjunction with the technological innovations. This paper is aimed at evaluating the present status and growth of online payment systems in worldwide markets and also takes a look at its future. In this paper, a comprehensive survey on all the aspects of electronic payment has been conducted after analysis of several research studies on online payment systems. Several online payment system services, the associated security issues and the future of such modes of payment have been analysed. This study also analyses the various factors that affect the adoption of online payment systems by consumers. Furthermore, there can be seen a huge growth in mobile payment methods globally beating both debit and credit card payments, all due to the convenience and security offered by them. Nevertheless, various obstacles have been identified in the adoption of online payment methods; thus, some measures have to be taken for granting this industry a hopeful future. Thus, there should be a suitable trade-off between usability and security when designing online payment systems in order to attract customers. Also, technical and organisational issues which arise in the attempt to achieve interoperability must be taken into consideration by the designers. As a matter of fact, the process of developing interoperable and flexible solutions and universal standards is one of the most difficult tasks in the future ahead.

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A taxonomy of various attacks on smart card–based applications and countermeasures

Gupta

Quamara

2018

Concurrency and Computation

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Deployment of smart card-based applications is becoming prevalent these days. Security of these applications depends upon the nature of underlying hardware and software platforms, cryptographic algorithms, along with a number of other security mechanisms. To develop a secure smart card-based application, preliminary evaluation of the security of embedded software as well as how that software will work in real time is required. Over the past few years, significant improvements have been made in smart card technology for its large-scale acceptance. However, attackers are in continuous search for exploiting the unknown issues related to this technology. This survey discusses smart card technology in detail and provides a comprehensive taxonomy of security attacks on smart card-based applications and their countermeasures. In addition, it covers some of the open source tools available for its development. Finally, it provides a brief outline of some of the major open challenges and future research directions that are yet to be explored.

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Swing-Pay: One Card Meets All User Payment and Identity Needs: A Digital Card Module using NFC and Biometric Authentication for Peer-to-Peer Payment

Cited by 39 publications

References 7 publications

Evaluating Near‐Field Communication tag security for identity theft prevention

Evaluating Near‐Field Communication tag security for identity theft prevention

A Compendious Study of Online Payment Systems: Past Developments, Present Impact, and Future Considerations

A taxonomy of various attacks on smart card–based applications and countermeasures

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