State of the Art: Secure Mobile Payment

被引：12
作者：
Liu, Wenzheng [1 ]
Wang, Xiaofeng [1 ]
Peng, Wei [1 ]
机构：
[1] Natl Univ Def Technol, Coll Comp, Changsha 410073, Peoples R China
来源：
IEEE ACCESS | 2020年 / 8卷
关键词：
Tokenization; symmetric cryptosystem; hybrid cryptosystem; PAN binding; TOTP; remote payment; near-field payment; USER AUTHENTICATION SCHEME; NEURAL-NETWORK; DESIGN;
D O I：
10.1109/ACCESS.2019.2963480
中图分类号：
TP [自动化技术、计算机技术];
学科分类号：
0812 ;
摘要：
With mobile payments popular around the world, payers can conduct a payment anytime and anywhere. While providing great convenience, mobile payment also brings many payment security issues. This paper is the first comprehensive review of secure mobile payment. We classify the mobile payment into TPC(third-party payment company)-led mobile payment and Bank-led mobile payment, and based on this, summarize the system structure of mobile payment. Then we discuss the mobile payment security technology framework from Tokenization, PAN(bank card primary account number) binding, and Secure Payment Authentication, respectively. Besides, this paper introduces secure technologies(hardware and software) used in these procedures, discusses and analyzes the security issues that they have been encountered, summarise open issues, and proposes future development directions. In the end, we give the discussion and comparison of popular and representative mobile payment applications, including Alipay, Wechat Pay, Apple Pay, Samsung Pay, and Google Pay.
引用
收藏
页码：13898 / 13914
页数：17
相关论文
共 80 条
  • [1] Alves T., 2004, 3 ARM
  • [2] [Anonymous], P INT C THEOR APPL C
  • [3] [Anonymous], 1989, Conference on the Theory and Application of Cryptology, DOI DOI 10.1007/0-387-34805-0'22
  • [4] [Anonymous], EMV CONT SPEC PAYM S
  • [5] [Anonymous], EMV INT CIRC CARD SP
  • [6] [Anonymous], 2015, TOKENIZATION PAYMENT
  • [7] [Anonymous], 2019, ChainNews
  • [8] Ashfield J., 2012, U.S. Patent, Patent No. [US8295898B2, 8295898]
  • [9] Bai XL, 2017, PROCEEDINGS OF THE 26TH USENIX SECURITY SYMPOSIUM (USENIX SECURITY '17), P593
  • [10] Bellarc M, 2009, LECT NOTES COMPUT SC, V5867, P295, DOI 10.1007/978-3-642-05445-7_19
12345678