Related papers: Secure Mobile Payment Architecture Enabling Multi-…
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…
Previous Web access authentication systems often use either the Web or the Mobile channel individually to confirm the claimed identity of the remote user. This paper proposes a new protocol using multifactor authentication system that 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…
Due to increased security awareness of enterprises for mobile applications operating with sensitive or personal data as well as extended regulations form legislative (the principle of proportionality) various approaches, how to implement…
Cashless payment systems offer many benefits over cash, but also have some drawbacks. Fake terminals, skimming, wireless connectivity, and relay attacks are persistent problems. Attempts to overcome one problem often lead to another - for…
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…
In this work we present definitive evidence, analysis, and (where needed) speculation to answer the questions, (1) Which concrete security measures in mobile devices meaningfully prevent unauthorized access to user data? (2) In what ways…
With the increasing usage of smartphones a plethora of security solutions are being designed and developed. Many of the security solutions fail to cope with advanced attacks and are not aways properly designed for smartphone platforms.…
Mobile payments have increased significantly in the recent years and one-to-one money transfers are offered by a wide variety of smartphone applications. These applications usually support scan-and-pay -- a technique that allows a payer to…
The use of mobile payment services is an essential contributor to financial inclusion in emerging markets. Unfortunately, the service has become a platform for fraud. Mobile payment users need to be digitally resilient to continue using the…
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…
Payments architectures are on the verge of a great bifurcation that must be documented in order to be debated. Google is moving towards a quasi bank while Apple and Google disseminate payment systems over smartphones. At the same time,…
Cybersecurity is very essential for Mobile Transactions to complete seamlessly. Mobile Commerce (Mcom.) is the very basic transaction type, which is very commonly used (2 in 5 people uses mobile as transaction medium), To secure this there…
The widespread use of smartphones gives rise to new security and privacy concerns. Smartphone thefts account for the largest percentage of thefts in recent crime statistics. Using a victim's smartphone, the attacker can launch impersonation…
The ubiquity of mobile applications has increased dramatically in recent years, opening up new opportunities for cyber attackers and heightening security concerns in the mobile ecosystem. As a result, researchers and practitioners have…
Attacks targeting several millions of non-internet based application users are on the rise. These applications such as SMS and USSD typically do not benefit from existing multi-factor authentication methods due to the nature of their…
Near-Field Communication (NFC) is a modern technology for short range communication with a variety of applications ranging from physical access control to contactless payments. These applications are often heralded as being more secure, as…
The movement to mobile computing solutions provides flexibility to different users whether it is a business user, a student, or even providing entertainment to children and adults of all ages. Due to these emerging technologies mobile users…
The recent proliferation of Electronic Commerce (E-commerce) has been further escalated by multifaceted emerging payment solutions such as cryptocurrencies, mobile, peer-to-peer (P2P) and social media payment platforms. While these…
With increasing complexity of modern-day mobile devices, security of these devices in presence of myriad attacks by an intelligent adversary is becoming a major issue. The vast majority of cell phones still remain unsecured from many…