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arXiv 1701.04556cs.CR
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电子支付系统安全性综述

Security of Electronic Payment Systems: A Comprehensive Survey

Siamak Solat

摘要:

这项全面的调查讨论了电子支付系统的安全性。在我们的研究中,我们专注于主流系统或新的尝试和创新,以提高电子支付系统的安全水平。本调查包括有卡(CP)交易及其主要系统(即EMV)的审查,包括剑桥大学的几项研究,以指定针对该标准的各种攻击类型,这表明缺乏安全的“离线”身份验证方法,这是使用灵巧卡而不是磁条卡的主要目的之一,磁条卡无法参与身份验证过程,EMV从RSA密码系统向基于ECC密码系统迁移的评估3.评估了无卡交易方法,包括3D安全,3D SET,SET/EMV和EMV/CAP,令牌化概念的影响和盲签名方案在电子现金和电子支付系统中的作用,在电子支付系统中使用量子密钥分配(QKD)以实现无条件安全,而不仅仅是使用传统密码学的安全级别的计算保证,评估近场通信(NFC)和非接触式支付系统,如谷歌钱包,Android Pay和Apple Pay,评估电子货币和点对点支付系统,如比特币。我们的调查衡量和判断电子支付系统安全质量的标准是这样一句话:“系统的安全性取决于其最薄弱的环节”。

英文摘要:

This comprehensive survey deliberated over the security of electronic payment systems. In our research, we focused on either dominant systems or new attempts and innovations to improve the level of security of the electronic payment systems. This survey consists of the Card-present (CP) transactions and a review of its dominant system i.e. EMV including several researches at Cambridge university to designate variant types of attacks against this standard which demonstrates lack of a secure "offline" authentication method that is one of the main purpose of using the smart cards instead of magnetic stripe cards which are not able to participate in authentication process, the evaluation of the EMV migration from RSA cryptosystem to ECC based cryptosystem 3. The evaluation of the Card-not-present transactions approaches including 3D Secure, 3D SET, SET/EMV and EMV/CAP, the impact of concept of Tokenization and the role of Blind Signatures schemes in electronic cash and E-payment systems, use of quantum key distribution (QKD) in electronic payment systems to achieve unconditional security rather than only computational assurance of the security level by using traditional cryptography, the evaluation of Near Field Communication (NFC) and the contactless payment systems such as Google wallet, Android Pay and Apple Pay, the assessment of the electronic currency and peer to peer payment systems such as Bitcoin. The criterion of our survey for the measurement and the judgment about the quality of the security in electronic payment systems was this quote: "The security of a system is only as strong as its weakest link"

机构、总结、中文摘要均由AI分析而来,可能存在错误,请以论文正文为准。

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