Secure e-Payment Portal Solutions Using Mobile Technologies and ...

AbstractThe increasing technical capabilities of mobile phones have resulted in severalmobile payment (m-payment) methods being proposed. Handsets likesmartphones provide powerful computation capability that allow applicationssuch as m-payment transactions to become more secure and intuitive to users.Near Field Communication (NFC) technology has been considered as a potentialkiller technology that will greatly impact the way mobile devices areused. NFC is a short range wireless communication interface that allows theintegration of a mobile device into existing contactless infrastructures. It offersthe potential for advanced cryptographic calculations for security protection,with the convenience of mobile phone usage. Within this thesis, a number ofexisting technologies are introduced and used in conjunction with NFC.NFC enhances a range of applications such as contactless payment, ticketing,transportation, user identification, and data access. Three different kinds ofm-payment systems are proposed in this thesis, all of which are principallyMobile Network Operator (MNO) centric rather than based around a conventionalBank Issuer. The research focus is on achieving secure paymenttransactions and user authentication within a conventional merchant paymentenvironment. The proposed solutions exploit different existing technologiessuchasSecond-Generation wireless telephone technology(2G),Third-Generation wireless telephone technology (3G), and Citizen IdentityCards and Public Key Infrastructure (PKI) combined with NFC to providestrong security and ease of use.An important design goal was to re-use as much as possible of the existingmobile technology security so that the proposed solutions could be readilyimplemented into current Infrastructure, and provide secure, manageable, s-calable and ubiquitous m-payment services.This thesis describes the critical technologies and then presents the design andanalysis of the proposed m-payment solutions.6