NDLI: A novel verification method for payment card systems

Content Provider	Springer Nature Link
Author	Alhothaily, Abdulrahman Alrawais, Arwa Cheng, Xiuzhen Bie, Rongfang
Copyright Year	2015
Abstract	Security plays a crucial role in payment systems; however, some implementations of payment card security rely on weak cardholder verification methods, such as card and a signature, or use the card without having any cardholder verification process at all. Other vulnerable implementations of cardholder verification methods suffer from many security attacks, such as relay attacks and cloning attacks. In addition, the impact of these security attacks is high since they cause monetary losses for banks and consumers. In this paper, we introduce a new cardholder verification method using a multi-possession factor authentication with a distance bounding technique. It adds an extra level of security to the verification process and utilizes the idea of distance bounding which prevents many different security attacks. The proposed method gives the user the flexibility to add one or more extra devices and select the appropriate security level. This paper argues that the proposed method mitigates or removes many popular security attacks that are claimed to be effective in current card based payment systems, and that it can help to reduce fraud on payment cards. Furthermore, the proposed method provides an alternative verification technique and enables cardholders with special needs to use the payment cards and make the payment system more accessible.
Starting Page	1145
Ending Page	1156
Page Count	12
File Format	PDF
ISSN	16174909
Journal	Personal Technologies
Volume Number	19
Issue Number	7
e-ISSN	16174917
Language	English
Publisher	Springer London
Publisher Date	2015-08-30
Publisher Place	London
Access Restriction	One Nation One Subscription (ONOS)
Subject Keyword	Cardholder verification Contactless card Payment system EMV User Interfaces and Human Computer Interaction Computer Science Personal Computing Mobile Computing
Content Type	Text
Resource Type	Article
Subject	Management Science and Operations Research Library and Information Sciences Computer Science Applications Hardware and Architecture

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