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| Mobile Payment Systems |
Book Details
Title: Mobile Payment Systems
ISBN-10: 952878347
Author: Jesús Téllez • Sherali Zeadally
Publisher: Computer Communications and Networks
Language: English
Subject: Mobile / Computers & Technology / Programming / Apple Programming
No. of pages: 142
Format: PDF, EPUB
Mobile Payment Systems
Secure Network Architectures and Protocols
Valencia, Venezuela Jesús Téllez
Lexington, USA Sherali Zeadally
Preface
In the last two decades, we have seen significant technological advances in
computing, networking, storage, and processing technologies. All these advances
have led to the emergence of various types of networks, all kinds of user appli-
cations, and a wide range of computing devices whose costs keep decreasing
while their performance keeps improving. These new capabilities have paved the
way for users to have the ability to access information anywhere, anytime from
any personal computing device. Additionally, we have also witnessed the rapid
development of mobile networking technologies and communication protocols that
have accelerated the design and deployment of mobile payment systems (MPSs)
which enable payments for services and goods from mobile devices using different
methods, such as credit card payments, micro-payments, and digital coins. Security
issues in these payment systems have become increasingly important for all parties
involved (customers, merchants, banks, etc.) during their interactions. Security is
one of the most important aspects that must be taken into consideration when
designing, implementing, and deploying secure payment systems. It is essential to
mitigate threats, vulnerabilities, and risks that affect such systems. While supporting
secure payment transactions, high performance is also another major objective that
must be met by any MPS even in the presence of constraints of portable devices,
limited communication capabilities, and other limitations.
The main aim of this book is to present state-of-the-art research achievements and results in the field of MPSs. We expect this book to be a valuable and an authoritative reference for designers, developers, engineers, students, faculty members, and researchers who have a strong interest in mobile commerce and in particular mobile payment systems. We have organized this book into five chapters: “(1) Introduction”; (2) “Mobile Device Security”; (3) “Architectures and Models for Mobile Payment Systems”; (4) “Security in Mobile Payment Systems”; and (5) “Future Challenges and Opportunities.”
Mobile Payment Systems: Secure Network Architectures and Protocols is an in- depth literature review of recent research results obtained by experts and researchers around the world, along with the authors’ results in the area of MPSs. We present here a summary of the chapters in this book.
The main aim of this book is to present state-of-the-art research achievements and results in the field of MPSs. We expect this book to be a valuable and an authoritative reference for designers, developers, engineers, students, faculty members, and researchers who have a strong interest in mobile commerce and in particular mobile payment systems. We have organized this book into five chapters: “(1) Introduction”; (2) “Mobile Device Security”; (3) “Architectures and Models for Mobile Payment Systems”; (4) “Security in Mobile Payment Systems”; and (5) “Future Challenges and Opportunities.”
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Mobile Payment Systems: Secure Network Architectures and Protocols is an in- depth literature review of recent research results obtained by experts and researchers around the world, along with the authors’ results in the area of MPSs. We present here a summary of the chapters in this book.
Chapter 1, “Introduction”, presents the basic and fundamental concepts related to
MPSs. In this chapter, we give an overview of mobile commerce, mobile payment
characteristics, existing mobile payment methods, mobile payment stakeholders,
and technologies for mobile payments. The chapter further discusses the benefits
and disadvantages of MPSs and the general entities that underpin such systems.
In Chap. 2, “Mobile Device Security”, we review the mobile devices currently available on the market that can perform a variety of tasks. We also discuss the operating systems (OSs) available on the market based on the requirements of mobile devices and the advantages and disadvantages of each OS. We further highlight some important differences between mobile device security and personal computer (PC) security to improve our understanding of mobile device security. The chapter also presents a threat model, which identifies the threats against MPSs, the resources to be protected, the features of the attackers, and the potential attack vectors. Finally, it highlights two main mechanisms that are used to avoid various kinds of threats for smartphones: intrusion detection systems and trusted mobile- based solutions.
In Chap. 3, “Architectures and Models for Mobile Payment Systems”, we review the mobile payment models that have been proposed in the literature in the last decade. We classify these models based on the features and technology mostly used by end users. The main goal of this classification is to help readers stay up to date with the state-of-the-art mobile payment models proposed in the literature based on their core features such as micro-payments, cryptographic technique (asymmetric cryptographic and symmetric cryptographic), technology used (short message service, biometric technology, radio-frequency identification (RFID) tech- nology, near-field communication (NFC), 2-D barcode technology, and peer-to-peer technology), Session Initiation Protocol (SIP), communication restriction, mobile agent technology, and wireless application protocol.
Chapter 4, “Security in Mobile Payment Systems”, focuses on transaction security properties that must be satisfied by MPSs to ensure that all the information exchanged between the mobile payment user and the entity with which he/she is communicating is secure at all times during the payment transaction made using mobile devices. We present a brief review of the most commonly used cryptography schemes for secure communications among the parties involved. This chapter also presents a summary of the types of vulnerabilities and threats and their corresponding risks in an MPS environment together with relevant protection solutions. Furthermore, we discuss some obstacles that make the design of secure MPSs still a major challenge.
In Chap.5, “Future Challenges and Opportunities”, we outline some of the challenges posed by MPSs which rely on new emerging technologies that offer attractive business opportunities. This chapter also discusses security challenges that must be addressed in order to establish a secure environment for ubiquitous mobile commerce (m-commerce). We also identify some of the challenges faced by users in MPSs due to their lack of payment options around their mental model development, usability issues, prepurchase anxiety, trust issues, ease-of-use, and support for routine purchases with mobile payments. We also discuss alternate cryptographic
schemes such as elliptic curve cryptography and self-certified public keys and their applications to MPSs. This chapter also highlights opportunities offered by mobile cloud computing (MCC) and vehicular ad hoc networks (VANETs) in the design and development of MPSs.
In Chap. 2, “Mobile Device Security”, we review the mobile devices currently available on the market that can perform a variety of tasks. We also discuss the operating systems (OSs) available on the market based on the requirements of mobile devices and the advantages and disadvantages of each OS. We further highlight some important differences between mobile device security and personal computer (PC) security to improve our understanding of mobile device security. The chapter also presents a threat model, which identifies the threats against MPSs, the resources to be protected, the features of the attackers, and the potential attack vectors. Finally, it highlights two main mechanisms that are used to avoid various kinds of threats for smartphones: intrusion detection systems and trusted mobile- based solutions.
In Chap. 3, “Architectures and Models for Mobile Payment Systems”, we review the mobile payment models that have been proposed in the literature in the last decade. We classify these models based on the features and technology mostly used by end users. The main goal of this classification is to help readers stay up to date with the state-of-the-art mobile payment models proposed in the literature based on their core features such as micro-payments, cryptographic technique (asymmetric cryptographic and symmetric cryptographic), technology used (short message service, biometric technology, radio-frequency identification (RFID) tech- nology, near-field communication (NFC), 2-D barcode technology, and peer-to-peer technology), Session Initiation Protocol (SIP), communication restriction, mobile agent technology, and wireless application protocol.
Chapter 4, “Security in Mobile Payment Systems”, focuses on transaction security properties that must be satisfied by MPSs to ensure that all the information exchanged between the mobile payment user and the entity with which he/she is communicating is secure at all times during the payment transaction made using mobile devices. We present a brief review of the most commonly used cryptography schemes for secure communications among the parties involved. This chapter also presents a summary of the types of vulnerabilities and threats and their corresponding risks in an MPS environment together with relevant protection solutions. Furthermore, we discuss some obstacles that make the design of secure MPSs still a major challenge.
In Chap.5, “Future Challenges and Opportunities”, we outline some of the challenges posed by MPSs which rely on new emerging technologies that offer attractive business opportunities. This chapter also discusses security challenges that must be addressed in order to establish a secure environment for ubiquitous mobile commerce (m-commerce). We also identify some of the challenges faced by users in MPSs due to their lack of payment options around their mental model development, usability issues, prepurchase anxiety, trust issues, ease-of-use, and support for routine purchases with mobile payments. We also discuss alternate cryptographic
schemes such as elliptic curve cryptography and self-certified public keys and their applications to MPSs. This chapter also highlights opportunities offered by mobile cloud computing (MCC) and vehicular ad hoc networks (VANETs) in the design and development of MPSs.
We thank Simon Rees and Wayne Wheeler at the Springer office in London,
United Kingdom, for their constant encouragement, support, and advice throughout
the preparation of this book.
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