Modelo de seguridad para garantizar la integridad de los pagos móviles basados en Near Field Communication (NFC).

Abstract

A security model was proposed to guarantee the integrity of mobile payments based on Near Field Communication (NFC) called NRioSec, which establishes three levels of protection with a high degree of compatibility and easy integration in the development of mobile payment applications. Its components allow controlling authentication with digital certificates, the uniqueness of transactions through tokenization and data encryption using robust algorithms, and that added to the PCISSC mobile payment acceptance security standards, determine the efficiency of its application to mitigate the vulnerabilities analyzed it was possible to verify that the NRioSec security model increases the integrity level of mobile payments based on NFC because encryption protects the sensitive information transmitted during a transaction; When the information is transmitted only between the sender and the receiver, the confidential information of the attackers or participating entities is protected. Because they have no need to access said information; the model provides encryption and authentication of origin so that the receiver can validate them, and the receiver is assured that the details of the payment are correct and correspond to the data provided by the issuer through a screen where the data is confirmed to be correct.