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Security in Next Generation Mobile Payment Systems: A Comprehensive Survey

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 Added by Abdul Rehman Javed
 Publication date 2021
and research's language is English




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Cash payment is still king in several markets, accounting for more than 90 of the payments in almost all the developing countries. The usage of mobile phones is pretty ordinary in this present era. Mobile phones have become an inseparable friend for many users, serving much more than just communication tools. Every subsequent person is heavily relying on them due to multifaceted usage and affordability. Every person wants to manage his/her daily transactions and related issues by using his/her mobile phone. With the rise and advancements of mobile-specific security, threats are evolving as well. In this paper, we provide a survey of various security models for mobile phones. We explore multiple proposed models of the mobile payment system (MPS), their technologies and comparisons, payment methods, different security mechanisms involved in MPS, and provide analysis of the encryption technologies, authentication methods, and firewall in MPS. We also present current challenges and future directions of mobile phone security.

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134 - Amal Saha , Sugata Sanyal 2014
Payment transactions initiated through a mobile device are growing and security concerns must be ad-dressed. People coming from payment card industry often talk passionately about porting ISO 9564 PIN standard based authentication in open-loop card payment to closed-loop mobile financial transactions and certification of closed-loop payment product or solution against this standard. In reality, so far this standard has not been adopted in closed-loop mobile payment authentication and applicability of this ISO standard must be studied carefully before adoption. The authors do a critical analysis of the applicability of this ISO specification and makes categorical statement about relevance of compliance to closed-loop mobile payment. Security requirements for authentication in closed-loop mobile payment systems are not standardized through ISO 9564 standard, Common Criteria, etc. Since closed-loop mobile payment is a relatively new field, the authors make a case for Common Criteria Recognition Agreement (CCRA) or other standards organization to push for publication of a mobile device-agnostic Protection Profile or standard for it, incorporating the suggested authentication approaches.
Data provenance collects comprehensive information about the events and operations in a computer system at both application and system levels. It provides a detailed and accurate history of transactions that help delineate the data flow scenario across the whole system. Data provenance helps achieve system resilience by uncovering several malicious attack traces after a system compromise that are leveraged by the analyzer to understand the attack behavior and discover the level of damage. Existing literature demonstrates a number of research efforts on information capture, management, and analysis of data provenance. In recent years, provenance in IoT devices attracts several research efforts because of the proliferation of commodity IoT devices. In this survey paper, we present a comparative study of the state-of-the-art approaches to provenance by classifying them based on frameworks, deployed techniques, and subjects of interest. We also discuss the emergence and scope of data provenance in IoT networks. Finally, we present the urgency in several directions that data provenance needs to pursue, including data management and analysis.
As technology becomes more widely available, millions of users worldwide have installed some form of smart device in their homes or workplaces. These devices are often off-the-shelf commodity systems, such as Google Home or Samsung SmartThings, that are installed by end-users looking to automate a small deployment. In contrast to these plug-and-play systems, purpose-built Enterprise Internet-of-Things (E-IoT) systems such as Crestron, Control4, RTI, Savant offer a smart solution for more sophisticated applications (e.g., complete lighting control, A/V management, security). In contrast to commodity systems, E-IoT systems are usually closed source, costly, require certified installers, and are overall more robust for their use cases. Due to this, E-IoT systems are often found in expensive smart homes, government and academic conference rooms, yachts, and smart private offices. However, while there has been plenty of research on the topic of commodity systems, no current study exists that provides a complete picture of E-IoT systems, their components, and relevant threats. As such, lack of knowledge of E-IoT system threats, coupled with the cost of E-IoT systems has led many to assume that E-IoT systems are secure. To address this research gap, raise awareness on E-IoT security, and motivate further research, this work emphasizes E-IoT system components, E-IoT vulnerabilities, solutions, and their security implications. In order to systematically analyze the security of E-IoT systems, we divide E-IoT systems into four layers: E-IoT Devices Layer, Communications Layer, Monitoring and Applications Layer, and Business Layer. We survey attacks and defense mechanisms, considering the E-IoT components at each layer and the associated threats. In addition, we present key observations in state-of-the-art E-IoT security and provide a list of open research problems that need further research.
The various types of communication technologies and mobility features in Internet of Things (IoT) on the one hand enable fruitful and attractive applications, but on the other hand facilitates malware propagation, thereby raising new challenges on handling IoT-empowered malware for cyber security. Comparing with the malware propagation control scheme in traditional wireless networks where nodes can be directly repaired and secured, in IoT, compromised end devices are difficult to be patched. Alternatively, blocking malware via patching intermediate nodes turns out to be a more feasible and practical solution. Specifically, patching intermediate nodes can effectively prevent the proliferation of malware propagation by securing infrastructure links and limiting malware propagation to local device-to-device dissemination. This article proposes a novel traffic-aware patching scheme to select important intermediate nodes to patch, which applies to the IoT system with limited patching resources and response time constraint. Experiments on real-world trace datasets in IoT networks are conducted to demonstrate the advantage of the proposed traffic-aware patching scheme in alleviating malware propagation.
In recent years, mobile devices are equipped with increasingly advanced sensing and computing capabilities. Coupled with advancements in Deep Learning (DL), this opens up countless possibilities for meaningful applications. Traditional cloudbased Machine Learning (ML) approaches require the data to be centralized in a cloud server or data center. However, this results in critical issues related to unacceptable latency and communication inefficiency. To this end, Mobile Edge Computing (MEC) has been proposed to bring intelligence closer to the edge, where data is produced. However, conventional enabling technologies for ML at mobile edge networks still require personal data to be shared with external parties, e.g., edge servers. Recently, in light of increasingly stringent data privacy legislations and growing privacy concerns, the concept of Federated Learning (FL) has been introduced. In FL, end devices use their local data to train an ML model required by the server. The end devices then send the model updates rather than raw data to the server for aggregation. FL can serve as an enabling technology in mobile edge networks since it enables the collaborative training of an ML model and also enables DL for mobile edge network optimization. However, in a large-scale and complex mobile edge network, heterogeneous devices with varying constraints are involved. This raises challenges of communication costs, resource allocation, and privacy and security in the implementation of FL at scale. In this survey, we begin with an introduction to the background and fundamentals of FL. Then, we highlight the aforementioned challenges of FL implementation and review existing solutions. Furthermore, we present the applications of FL for mobile edge network optimization. Finally, we discuss the important challenges and future research directions in FL
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