A purchase protocol with multichannel authentication

Xiao, Hannan, Christianson, Bruce and Zhang, Ying ORCID: https://orcid.org/0000-0002-6669-1671 (2009) A purchase protocol with multichannel authentication. Journal of Information Assurance and Security, 4 (4). pp. 361-371. ISSN 1554-1010

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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 transactions 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 at the customer’s phone number and the cardholder inputting the secure PIN and the amount to pay. The multichannel authentication makes the cardholder feel secure and card fraud difficult. Furthermore, the protocol does not require the cardholder to obtain public key certificates or install additional software for online transactions.

Item Type: Article
Keywords: Online Credit Card Payment, Credit Card Fraud, Multichannel Authentication
Subjects: Computing > Information security > Cyber security
Computing > Information security
Depositing User: Ying Zhang
Date Deposited: 16 Jul 2019 12:01
Last Modified: 06 Feb 2024 16:00
URI: https://repository.uwl.ac.uk/id/eprint/6267


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