A purchase protocol with live cardholder authentication for online credit card payment

Xiao, Hannan, Christianson, Bruce and Zhang, Ying ORCID: https://orcid.org/0000-0002-6669-1671 (2008) A purchase protocol with live cardholder authentication for online credit card payment. In: The Fourth International Conference on Information Assurance and Security, 8-10 September 2008, Napoli, Italy.

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While online shopping are becoming more accepted by people in modern life, cardholders are more concerned about card fraud and the lack of cardholder authentication in the current online credit card payment. This paper proposes a purchase protocol with live cardholder authentication for online transaction which combines telephone banking and online banking together. The order information and payment information are sent though the Internet and encrypted by asymmetric key encryption. The cardholder is authenticated by the card issuing bank ringing back to the customer’s phone number and the cardholder inputting the secure PIN and the amount to pay. The live cardholder authentication makes the cardholder feel securer and card fraud difficult. Furthermore, the protocol does not require the cardholder to obtain a public key certificate or install additional software for the online transaction.

Item Type: Conference or Workshop Item (Paper)
ISBN: 9780769533247/08
Identifier: 10.1109/IAS.2008.44
Page Range: pp. 15-20
Identifier: 10.1109/IAS.2008.44
Additional Information: © 2008 IEEE. Personal use of this material is permitted. Permission from IEEE must be obtained for all other uses, in any current or future media, including reprinting/republishing this material for advertising or promotional purposes, creating new collective works, for resale or redistribution to servers or lists, or reuse of any copyrighted component of this work in other works.
Keywords: Online Credit Card Payment, Card Fraud, Authentication
Subjects: Computing > Systems > Computer networking
Computing > Information security > Cyber security
Computing > Information management
Computing > Information security
Related URLs:
Depositing User: Ying Zhang
Date Deposited: 16 Jul 2019 14:26
Last Modified: 28 Aug 2021 07:27
URI: https://repository.uwl.ac.uk/id/eprint/6257

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