Query: Payment security  mobile payment

title: A quantitative diary study of perceptions of security in mobile payment transactions
abstract: While mobile payment services have been flourishing in China, users have continually questioned the security of these transactions. Although customization has been proposed as a vital factor for mo.

title: Design and Implementation of High Security Mobile Payment System
abstract: Secure mobile payment is the most important link for a mobile phone to realize full payment. At the present stage, there are many researches about security of mobile information in the country. Those researches are mainly based on Windows Mobile, BREW or software of J2ME, and limited to specific areas. On the aspect of the hardware cryptograph, they focus on the security of computer information. There is no mature product in the mobile area basing on hardware cryptograph. Considering this situation, we refer to and compare varieties of the present payment patterns, using the JMX micro core service as the bus structure, introducing safe technologies to design starting from the hardware unit to get security module independently. In this way, we realize the security, completeness, confidentiality, authenticity and non repudiation of the data of mobile payment.

title: Identity Authentication Security Management in Mobile Payment Systems
abstract: Mobilepaymentisanewpaymentmethodofferingusersmobility,reachability,compatibility,and convenience.Butmobilepaymentinvolvesgreatuncertaintyandriskgivenitselectronicandwireless nature.Therefore,biometricauthenticationhasbeenadoptedwidelyinmobilepaymentinrecentyears. However,althoughtechnologyrequirementsforsecuremobilepaymenthavebeenmet,standards andconsistentrequirementsofuserauthenticationinmobilepaymentarenotavailable.Theflow managementofuserauthenticationinmobilepaymentisstillatitsearlystage.Accordingly,thispaper proposesananonymousauthenticationandmanagementflowformobilepaymenttosupportsecure transactiontopreventthedisclosureofusers'informationandtoreduceidentitytheft.Theproposed managementflowintegratestransactionkeygeneration,encryptionanddecryption,andmatching toprocess users' personal information andbiometric characteristics basedonmobile equipment authenticationcarrier.  Anonymous Authentication, Authentication, Flow Management, Mobile Payment, Security

title: An Identity Based Elliptic Curve Cryptography for Mobile Payment Security

title: Security Analysis and Verification of Authenticated Mobile Payment Protocols
abstract: M Commerce is a global phenomenon and is truly in the swing as most of the purchases are through mobile devices. By seeing the frequency of purchases we can say that people are becoming habitual of it and has gained a stronghold in their lives. As security and privacy are the major concern of the users it is evident to use a reliable, secure and authenticated mobile payment protocol. In this paper, some open network (ECash and NetCash) and mobile payment protocols (SET, iKP, MSET, MPCP2, SLMPP, and LPMP) are studied. These protocols were written in HLPSL language according to the documentation specified in the AVISPA tool and were validated and analyzed. The obtained results are compared based on security attacks and cryptographic operations required and the research validates that LPMP protocol is the fastest among all in terms of search time and is immune to various security attacks.

title: The Role of Consumers' Perceived Security, Perceived Control, Interface Design Features, and Conscientiousness in Continuous Use of Mobile Payment Services
abstract: Mobile payment has played a vital role in transforming traditional payment methods into digital payment methods and has led to changes in consumers' behaviors in economic exchanges. However, there is a lack of knowledge about how perceived security influences are a sustainable use of mobile payment services. In order to examine the impact of perceived security on users' continuous use, especially regarding mobile payment services and factors related to perceived security (i.e. perceived control, interface design features, and conscientiousness) an empirical study was conducted to collect data from 252 participants. Then, the proposed research model was examined using structural equation modelling. The results revealed that the perception of interface design features was influenced by conscientiousness. Perceived security was affected by perceived control, the perception of interface design features, and conscientiousness. Moreover, perceived security was identified to have a strong impact on continuous intention to use mobile payment. The design implications for mobile service providers and designers are presented.

title: A Study of Consumer Intention of Mobile Payment in Hong Kong, Based on Perceived Risk, Perceived Trust, Perceived Security and Technological Acceptance Model
abstract: This research paper is understanding the situations of mobile payment service in Hong Kong; and study whether consumer intention is affected by Perceived Risk, Perceived Trust, Perceived Security and Technology Acceptance Model. Qualitative and quantitative research are the main methodology in this research. Data of survey were collected in school and online system from 121 participants. The results indicated that all variables affected the consumer intention by using SPSS. The results show an effective way to improve the security system of mobile payment, which encourages the consumer intention to use mobile payment. The Government and enterprise are needed to provide some activities in order to encourage consumers to use mobile payment services. This is an empirical study to understand the mobile payment situation in Hong Kong and it looks into the factors that influence consumers' intention to use the mobile payment system. There is a clear requirement for further research with perceived enjoyment and attitude.

title: Security perception in the adoption of mobile payment and the moderating effect of gender
abstract: The mobile payment system has changed payment patterns and has the potential to improve people's quality of life and increase the bank's efficiency. In return, the risks and trust factors inevitably led to increased challenges and become a major concern in the adoption of mobile payment service. Yet, little is known about how risk and trust factors can affect the adoption of mobile payment. Hence, this paper aims to come into contact to solve these issues in the context.,A comprehensive research model that reflects the customer satisfaction and loyalty to the adoption of mobile payment services is developed and empirically tested using exploratory and confirmatory factor analysis and structural equation modeling.,Findings reveal that the perceived risk has a significant negative impact on perceived trust and customer satisfaction. Perceived trust is the most important variable in building customer satisfaction, and customer satisfaction is the reasonable predictor of customer loyalty. In addition, gender differences moderate the adoption of the mobile payment service.,The results of the study hold several implications for scholars in the field of technology adoption on financial transactions and offer valuable managerial insights to design their mobile payment adoption strategies to pursue greater acceptance and diffusion of this new payment system.

title: Effect of Perceived Trust, Perceived Security, Perceived Usefulness and Perceived Ease of Use on Customers' Intention to Use Mobile Payment
abstract: This research will examine the correlation between perceived trust, perceived security, perceived usefulness and perceived ease of use to the intention of customers to use mobile payment. The model is empirically validated with 288 respondents with basic mobile payment information. Modeling of the structural equation of partial least squares is used to evaluate the relationships of the research model. We found that perceived trust, perceived security, perceived usefulness, and has a significant impact on the customers' intention to use mobile payment with the path coefficient value of 0,127. Perceived security significantly affects customers' intention to use mobile payment with the path coefficient value of 0,125. Perceived usefulness significantly affects customers' intention to use mobile payment with the path coefficient value of 0,423. Perceived ease of use significantly affects customers' intention to use mobile payment with the path coefficient value of 0,057.

title: Payment Security Mechanism of Intelligent Mobile Terminal
abstract: In recent years, with the vigorous development of mobile Internet and the increasing popularity of intelligent electronic products, intelligent mobile terminals are no longer just communication functions, but also related to our family life, such as smart home and smart cars. With the powerful function of intelligent mobile terminals, people pay more and more attention to mobile payment business because of its convenient and fast service, and the following security problems are worrisome. Compared with the bank card payment, the smart mobile terminal can complete a variety of transactions directly by downloading the corresponding payment procedures, including shopping payments. However, because of the open resources of the Android system, system ROOT permissions easily cracked, there is a big potential security risk in mobile payment. In addition, the Android system lacks strict application software signature verification measures, and unauthorized application software can be installed properly, and there may be malicious software containing virus. Therefore, the design of a highly secure and customized Android intelligent payment terminal has become a common concern in the field of payment and academia.