Biometric Authentication for Secure Mobile Payments

Abstract

Mobile payments have evolved into a useful tool for everyday tasks. Mobile phone usage has increased dramatically due to the distinct benefits of mobile transactions over conventional means of payment. Concerns about the security of mobile apps and devices have grown as a result of the robust demand for mobile applications. Novel mobile gadgets are created to fulfil multiple purposes, such as preserving confidential data, gaining access to it, and transferring it via payment methods. In this study, we try to clarify the advantages and difficulties associated with using biometrics to secure mobile payments. The new payment mechanism known as mobile payment gives consumers accessibility, convenience, compatibility, and mobility. However, because payment via mobile device is wireless and electronic in nature, there is a tremendous deal of danger and uncertainty. As a result, in recent years, biometric authorization has become increasingly common in mobile payments. Though the technological prerequisites for safe mobile payments have been satisfied, there are currently no standards or uniform procedures for user authentication in payments through mobile devices. Mobile payment flow management for user authentication is still in its infancy. In order to facilitate secure transactions, avoid user information leakage, and lessen identity theft, this article suggests an anonymous authenticating and administration flow for mobile payments. The suggested management flow processes users' biometric data and personal information based on the smartphone authenticating carrier by integrating transaction key creation, decryption and encryption, and comparison.