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Updated: Apr 22, 2026

Introduction to Solid Supported Membrane Based Electrophysiology
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Security enhanced EMV-based mobile payment protocol.

Ming-Hour Yang1

  • 1Department of Information & Computer Engineering, Chung Yuan Christian University, 200 Chung Pei Road, Chung Li, Taoyuan County 32023, Taiwan.

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|October 11, 2014
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Summary
This summary is machine-generated.

This study introduces a secure EMV contactless payment protocol. It enhances security for mobile transactions, preventing unauthorized access and improving offline payment verification.

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Area of Science:

  • Computer Science
  • Information Security
  • Cryptography

Background:

  • Near Field Communication (NFC) enables mobile credit card transactions.
  • Existing EMV contactless payment systems are vulnerable to unauthorized readers and offline transaction fraud.
  • Lack of verification for revoked cards in offline transactions poses a significant risk.

Purpose of the Study:

  • To propose an EMV-compatible payment protocol that mitigates transaction risks.
  • To enhance security for both online and offline EMV contactless payments.
  • To ensure modifications are transparent to merchants and users.

Main Methods:

  • Developed a new EMV-compatible payment protocol.
  • Implemented communication encryption between card and reader.
  • Introduced a temporary offline certificate for users in offline transactions.

Main Results:

  • The protocol effectively mitigates transaction risks associated with EMV contactless payments.
  • Encrypted communications prevent eavesdropping on sensitive data.
  • Offline transactions gain online-equivalent credit security through temporary certificates.

Conclusions:

  • The proposed protocol enhances EMV contactless payment security against unauthorized access and impersonation attacks.
  • It provides a robust solution for secure offline transactions, eliminating the need for banks to lower customer credits.
  • The modifications ensure seamless integration and user experience without compromising security.