Identity Authentication Security Management in Mobile Payment Systems

Xianrong Zheng, Feng Wang, Ge Shan, Yong Chen, Hong Wang, Sun Mingwei, Li Haihua

OAI: oai:igi-global.com:242972 • DOI: 10.4018/JGIM.2020010110

Mobile payment is a new payment method offering users mobility, reachability, compatibility, and convenience. But mobile payment involves great uncertainty and risk given its electronic and wireless nature. Therefore, biometric authentication has been adopted widely in mobile payment in recent years. However, although technology requirements for secure mobile payment have been met, standards and consistent requirements of user authentication in mobile payment are not available. The flow management of user authentication in mobile payment is still at its early stage. Accordingly, this paper proposes an anonymous authentication and management flow for mobile payment to support secure transaction to prevent the disclosure of users' information and to reduce identity theft. The proposed management flow integrates transaction key generation, encryption and decryption, and matching to process users' personal information and biometric characteristics based on mobile equipment authentication carrier.

Global Information Technology Computer Science and Information Technology IT Research and Theory