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Title: Secure e-payment portal solutions using mobile technologies and citizen identity scheme
Author: Chen, Calvin
Awarding Body: Royal Holloway, University of London
Current Institution: Royal Holloway, University of London
Date of Award: 2013
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The increasing technical capabilities of mobile phones have resulted in several mobile payment (m-payment) methods being proposed. Handsets like smartphones provide powerful computation capability that allow applications such as m-payment transactions to become more secure and intuitive to users. Near Field Communication (NFC) technology has been considered as a potential killer technology that will greatly impact the way mobile devices are used. NFC is a short range wireless communication interface that allows the integration of a mobile device into existing contactless infrastructures. It offers the potential for advanced cryptographic calculations for security protection, with the convenience of mobile phone usage. Within this thesis, a number of existing 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 of m-payment systems are proposed in this thesis, all of which are principally Mobile Network Operator (MNO) centric rather than based around a conventional Bank Issuer. The research focus is on achieving secure payment transactions and user authentication within a conventional merchant payment environment. The proposed solutions exploit different existing technologies such as Second-Generation wireless telephone technology(2G), Third-Generation wireless telephone technology (3G), and Citizen Identity Cards and Public Key Infrastructure (PKI) combined with NFC to provide strong security and ease of use. An important design goal was to re-use as much as possible of the existing mobile technology security so that the proposed solutions could be readily implemented into current Infrastructure, and provide secure, manageable, scalable and ubiquitous m-payment services. This thesis describes the critical technologies and then presents the design and analysis of the proposed m-payment solutions.
Supervisor: Not available Sponsor: Not available
Qualification Name: Thesis (Ph.D.) Qualification Level: Doctoral
EThOS ID:  DOI: Not available
Keywords: near field communication ; mobile payment system ; citizen digital certificate ; NFC mobile payment