NDLI: A Purchase Protocol with Live Cardholder Authentication for Online Credit Card Payment

Content Provider	IEEE Xplore Digital Library
Author	Hannan Xiao Christianson, B. Ying Zhang
Copyright Year	2008
Description	Author affiliation: Sch. of Comput. Sci., Univ. of Hertfordshire, Hatfield (Hannan Xiao; Christianson, B.)
Abstract	While online shopping are becoming more accepted by people in modern life, cardholders are more concerned about card fraud and the lack of cardholder authentication in the current online credit card payment. This paper proposes a purchase protocol with live cardholder authentication for online transaction which combines telephone banking and online banking together. The order information and payment information are sent though the Internet and encrypted by asymmetric key encryption. The cardholder is authenticated by the card issuing bank ringing back to the customer's phone number and the cardholder inputting the secure PIN and the amount to pay. The live cardholder authentication makes the cardholder feel securer and card fraud difficult. Furthermore, the protocol does not require the cardholder to obtain a public key certificate or install additional software for the online transaction.
Starting Page	15
Ending Page	20
File Size	150969
Page Count	6
File Format	PDF
ISBN	9780769533247
DOI	10.1109/IAS.2008.44
Language	English
Publisher	Institute of Electrical and Electronics Engineers, Inc. (IEEE)
Publisher Date	2008-09-08
Publisher Place	Italy
Access Restriction	Subscribed
Rights Holder	Institute of Electrical and Electronics Engineers, Inc. (IEEE)
Subject Keyword	Cryptography Authentication Public key Protocols Logic gates Credit cards Authorization authentication online credit card payment card fraud
Content Type	Text
Resource Type	Article

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