Identity Authentication Security Management in Mobile Payment Systems

Author:

Wang Feng1,Shan Ge Bao1,Chen Yong2,Zheng Xianrong3ORCID,Wang Hong4,Mingwei Sun5,Haihua Li6

Affiliation:

1. School of Management, Jilin University, Changchun, China

2. School of Business, Texas A&M International University, Laredo, USA

3. Department of Information Technology and Decision Sciences, Old Dominion University, Norfolk, USA

4. College of Business and Economics, North Carolina A&T State University, Greensboro, USA

5. Public Education and Teaching Department, Changchun Automobile Industry Institute, Changchun, China

6. School of Management Science and Information Engineering, Jilin University of Finance and Economics, Changchun, China

Abstract

Mobile payment is a new payment method offering users mobility, reachability, compatibility, and convenience. But mobile payment involves great uncertainty and risk given its electronic and wireless nature. Therefore, biometric authentication has been adopted widely in mobile payment in recent years. However, although technology requirements for secure mobile payment have been met, standards and consistent requirements of user authentication in mobile payment are not available. The flow management of user authentication in mobile payment is still at its early stage. Accordingly, this paper proposes an anonymous authentication and management flow for mobile payment to support secure transaction to prevent the disclosure of users' information and to reduce identity theft. The proposed management flow integrates transaction key generation, encryption and decryption, and matching to process users' personal information and biometric characteristics based on mobile equipment authentication carrier.

Publisher

IGI Global

Subject

Information Systems and Management,Management Science and Operations Research,Strategy and Management,Computer Science Applications,Business and International Management

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