Security of user authentication in payment systems in the agricultural value chain

Abstract

Abstract In the offered article, the threats of informational safety, arising in the modern world, directed on the bank and commercial payment systems using in all world and in Russia in particular are considered. The circuits of operation of the most popular Russian banking and commercial payment systems using electronic money (e–cash) and their possible vulnerability caused by increase of monetary calculations through the Internet are described. Not all bank devices support biometric scanning; therefore, there is question on how the huge amount of bank payment systems users can protect their personal data from not authorized operations (hackers breaking)? For support of payments safety, the paper offers using the additional complicated authentication – the application of simplified cryptography token which is looking like program application, and installed on USB – device. It will allow amplifying the safety at authentication stage as the program application generating of one – time keywords and checking (controlling) of user’s authenticity with the help of white list, is capable to eliminate all existing vulnerabilities and gaps in the informational protection of banking and commercial payment systems.