Title: A new architecture with a new protocol for m-payment

Authors: Saâd Boukers; Abdelkader Belkhir

Addresses: Computer Science Department, Electronic and Computer Science Faculty, USTHB University, BP 32 El Alia, Bab-Ezzouar 16111, Algiers, Algeria ' Computer Science Department, Electronic and Computer Science Faculty, USTHB University, BP 32 El Alia, Bab-Ezzouar 16111, Algiers, Algeria

Abstract: The use of mobile payments by a significant number of consumers in recent years has encouraged without exception all other m-payment actors to invest more in this area. The reasons for this use are diverse and multiple. At the same time, this new situation requires all mobile payment actors to increase their cyber resilience in front of the rapid evolution of the techniques used by cybercriminals to properly secure financial transactions and consumer data in order to further increase the popularity of this payment means in the world. In this context, our contribution consists in offering a new architecture with a new protocol for mobile payment that further strengthens confidence in m-payment. Our solution is universal in its design and implementation and uses the SMS service. It is mainly based on the public key infrastructure (PKI), the session key and national and international digital identities of consumers and merchants.

Keywords: mobile payment; SMS; digital identity; public key infrastructure; PKI; encryption; digital certificate; certification authority; block cipher; end-to-end encryption; session key; payment protocol.

DOI: 10.1504/IJICS.2024.139022

International Journal of Information and Computer Security, 2024 Vol.23 No.4, pp.349 - 374

Received: 24 Jun 2022
Accepted: 05 Feb 2023
Published online: 10 Jun 2024 *

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