A Mobile Payment Scheme Using Biometric Identification with Mutual Authentication

Jack Sturgess, Ivan Martinovic

2025

Abstract

Cashless payment systems offer many benefits over cash, but also have some drawbacks. Fake terminals, skimming, wireless connectivity, and relay attacks are persistent problems. Attempts to overcome one problem often lead to another—for example, some systems use QR codes to avoid skimming and connexion issues, but QR codes can be stolen at distance and relayed. In this paper, we propose a novel mobile payment scheme based on biometric identification that provides mutual authentication to protect the user from rogue terminals. Our scheme imposes only minimal requirements on terminal hardware, does not depend on wireless connectivity between the user and the verifier during the authentication phase, and does not require the user to trust the terminal until it has authenticated itself to the user. We show that our scheme is resistant against phishing, replay, relay, and presentation attacks.

Paper Citation

in Harvard Style

Sturgess J. and Martinovic I. (2025). A Mobile Payment Scheme Using Biometric Identification with Mutual Authentication. In Proceedings of the 22nd International Conference on Security and Cryptography - Volume 1: SECRYPT; ISBN 978-989-758-760-3, SciTePress, pages 577-585. DOI: 10.5220/0013498600003979

in Bibtex Style

@conference{secrypt25,
author={Jack Sturgess and Ivan Martinovic},
title={A Mobile Payment Scheme Using Biometric Identification with Mutual Authentication},
booktitle={Proceedings of the 22nd International Conference on Security and Cryptography - Volume 1: SECRYPT},
year={2025},
pages={577-585},
publisher={SciTePress},
organization={INSTICC},
doi={10.5220/0013498600003979},
isbn={978-989-758-760-3},
}

in EndNote Style

TY - CONF

JO - Proceedings of the 22nd International Conference on Security and Cryptography - Volume 1: SECRYPT
TI - A Mobile Payment Scheme Using Biometric Identification with Mutual Authentication
SN - 978-989-758-760-3
AU - Sturgess J.
AU - Martinovic I.
PY - 2025
SP - 577
EP - 585
DO - 10.5220/0013498600003979
PB - SciTePress