Related papers: Security of Electronic Payment Systems: A Comprehe…
The widespread adoption of EMV (Europay, Mastercard, and Visa) contactless payment systems has greatly improved convenience for both users and merchants. However, this growth has also exposed significant security challenges. This SoK…
EMV is the global standard for smart card payments and its NFC-based version, EMV contactless, is widely used, also for mobile payments. In this systematization of knowledge, we examine attacks on the EMV contactless protocol. We provide a…
EMV is the international protocol standard for smartcard payment and is used in over 9 billion cards worldwide. Despite the standard's advertised security, various issues have been previously uncovered, deriving from logical flaws that are…
With the rapid growth of Information and Communication Technology, Electronic commerce is now acting as a new means of carrying out business transactions through electronic means such as Internet environment. To avoid the complexities…
EMV, also known as "Chip and PIN", is the leading system for card payments worldwide. It is used throughout Europe and much of Asia, and is starting to be introduced in North America too. Payment cards contain a chip so they can execute an…
With the growth of digital monetary transactions and cashless payments, encouraged by the COVID-19 pandemic, use of e-payment applications is on the rise. It is thus imperative to understand and evaluate the current posture of e-payment…
Wallet may be described as container application used for configuring, accessing and analysing data from underlying payment application(s). There are two dominant types of digital wallet applications, proximity wallet and remote wallet. In…
The most prevalent smart card-based payment method, EMV, currently offers no privacy to its users. Transaction details and the card number are sent in cleartext, enabling the profiling and tracking of cardholders. Since public awareness of…
In today's world of E-Commerce everything comes online like Music, E-Books, Shopping all most everything is online. If you are using some service or buying things online then you have to pay for that. For that you have to do Net Banking or…
The rise of smartphones has led to a significant increase in the usage of mobile payments. Mobile payments allow individuals to access financial resources and make transactions through their mobile devices while on the go. However, the…
Cash payment is still king in several markets, accounting for more than 90\ of the payments in almost all the developing countries. The usage of mobile phones is pretty ordinary in this present era. Mobile phones have become an inseparable…
In this paper, we study the security posture of the EV charging ecosystem against a new type of remote that exploits vulnerabilities in the EV charging mobile applications as an attack surface. We leverage a combination of static and…
In recent years, electronic retail payment mechanisms, especially e-commerce and card payments at the point of sale, have increasingly replaced cash in many developed countries. As a result, societies are losing a critical public retail…
Electronic payment protocols play a vital role in electronic commerce security, which is essential for secure operation of electronic commerce activities. Formal method is an effective way to verify the security of protocols. But current…
E-Commerce offers the banking industry great opportunity, but also creates a set of new risks and vulnerability such as security threats. Information security, therefore, is an essential management and technical requirement for any…
Blockchain technology has spawned a vast ecosystem of digital currencies with Central Bank Digital Currencies (CBDCs) -- digital forms of fiat currency -- being one of them. An important feature of digital currencies is facilitating…
E-payments are essential for transactional convenience in today's digital economy and are becoming increasingly important for older adults, emphasizing the need for enhanced security, privacy, and usability. To address this, we conducted a…
The development of blockchain technology has significantly enhanced the security and transparency of personal information and transaction records. Concurrent with the advancement of blockchain technology and the emergence of the digital…
Many reports regarding online fraud in varieties media create skepticism for conducting transactions online, especially through an open network such as the Internet, which offers no security whatsoever. Therefore, encryption technology is…
Nowadays, the usage of smartphones and their applications have become rapidly increasing popular in people's daily life. Over the last decade, availability of mobile money services such as mobile-payment systems and app markets have…