Technical feasibility of context-aware passive payment authorization for physical points of sale

Adam Wójtowicz , Jacek Chmielewski

Abstract

In this work, the technical feasibility of passive secure payments for brick-and-mortar points of sale is analyzed. The core element of the proposed approach is a new application for context-based risk and trust assessment. It allows for dynamic selection of payment authorization methods that constitutes accurate trade-off between security and convenience. Particularly, the payments can be performed and authorized in the background using biometric means (face recognition), without user’s explicit action. Generally, in the proposed approach, multiple devices are used for authorization: mobile, wearables, or stationary, client’s or seller’s, and multiple authorization methods are used: biometric, knowledge-based, and possession-based. The reported research includes requirement identification, novel architecture and protocol proposition, proof-of-concept prototype system deployment, and evaluation-based lessons learned. The research confirms that with the proposed approach, it is possible to take advantage of client-seller trust dynamism to simplify the payment process while maintaining the security level.
Author Adam Wójtowicz (WIiGE / KTI)
Adam Wójtowicz,,
- Department of Information Technology
, Jacek Chmielewski (WIiGE / KTI)
Jacek Chmielewski,,
- Department of Information Technology
Journal seriesPersonal and Ubiquitous Computing, ISSN 1617-4909, (A 30 pkt)
Issue year2017
Vol21
No6
Pages1113-1125
Publication size in sheets0.6
Keywords in EnglishPayment authorization, Passive payments, Deviceless payments, Context-aware authorization, Authorization rules, Biometric identification,
ASJC Classification1803 Management Science and Operations Research; 1706 Computer Science Applications; 1708 Hardware and Architecture
DOIDOI:10.1007/s00779-017-1035-z
URL https://link.springer.com/article/10.1007/s00779-017-1035-z
Languageen angielski
Score (nominal)30
Score sourcejournalList
ScoreMinisterial score = 30.0, 27-04-2020, ArticleFromJournal
Publication indicators WoS Citations = 1; Scopus SNIP (Source Normalised Impact per Paper): 2016 = 1.651; WoS Impact Factor: 2017 = 1.924 (2) - 2017=2.215 (5)
Citation count*3 (2020-06-26)
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* presented citation count is obtained through Internet information analysis and it is close to the number calculated by the Publish or Perish system.
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