UM  > 科技學院  > 電腦及資訊科學系
Designing an efficient and secure credit cardbased payment system with web services based on the ANSI X9.59-2006
Chi Po Cheong1; Simon Fong2; Pouwan Lei3; Chris Chatwin1; Rupert Young1
2012-09
Source PublicationJournal of Information Processing Systems
ISSN1976-913X
Volume8Issue:3Pages:495-520
Abstract

A secure Electronic Payment System (EPS) is essential for the booming online shopping market. A successful EPS supports the transfer of electronic money and sensitive information with security, accuracy, and integrity between the seller and buyer over the Internet. SET, CyberCash, Paypal, and iKP are the most popular Credit Card-Based EPSs (CCBEPSs). Some CCBEPSs only use SSL to provide a secure communication channel. Hence, they only prevent "Man in the Middle" fraud but do not protect the sensitive cardholder information such as the credit card number from being passed onto the merchant, who may be unscrupulous. Other CCBEPSs use complex mechanisms such as cryptography, certificate authorities, etc. to fulfill the security schemes. However, factors such as ease of use for the cardholder and the implementation costs for each party are frequently overlooked. In this paper, we propose a Web service based new payment system, based on ANSI X9.59-2006 with extra features added on top of this standard. X9.59 is an Account Based Digital Signature (ABDS) and consumeroriented payment system. It utilizes the existing financial network and financial messages to complete the payment process. However, there are a number of limitations in this standard. This research provides a solution to solve the limitations of X9.59 by adding a merchant authentication feature during the payment cycle without any addenda records to be added in the existing financial messages. We have conducted performance testing on the proposed system via a comparison with SET and X9.59 using simulation to analyze their levels of performance and security. 

KeywordElectronic Commerce Payment Protocols Set Web Services X9.59
DOIhttps://doi.org/10.3745/JIPS.2012.8.3.495
URLView the original
Indexed By其他
Language英语
Fulltext Access
Citation statistics
Document TypeJournal article
CollectionDEPARTMENT OF COMPUTER AND INFORMATION SCIENCE
Corresponding AuthorChi Po Cheong; Simon Fong; Pouwan Lei; Chris Chatwin; Rupert Young
Affiliation1.University of Sussex, Brighton, BN1 9RH, United Kingdom
2.Department of Computer and Information Science, University of Macau, Macau SAR
3.University of Bradford, Bradford, West Yorkshire, United Kingdom
Corresponding Author AffilicationUniversity of Macau
Recommended Citation
GB/T 7714
Chi Po Cheong,Simon Fong,Pouwan Lei,et al. Designing an efficient and secure credit cardbased payment system with web services based on the ANSI X9.59-2006[J]. Journal of Information Processing Systems,2012,8(3):495-520.
APA Chi Po Cheong,Simon Fong,Pouwan Lei,Chris Chatwin,&Rupert Young.(2012).Designing an efficient and secure credit cardbased payment system with web services based on the ANSI X9.59-2006.Journal of Information Processing Systems,8(3),495-520.
MLA Chi Po Cheong,et al."Designing an efficient and secure credit cardbased payment system with web services based on the ANSI X9.59-2006".Journal of Information Processing Systems 8.3(2012):495-520.
Related Services
Recommend this item
Bookmark
Usage statistics
Export to Endnote
Google Scholar
Similar articles in Google Scholar
[Chi Po Cheong]'s Articles
[Simon Fong]'s Articles
[Pouwan Lei]'s Articles
Baidu academic
Similar articles in Baidu academic
[Chi Po Cheong]'s Articles
[Simon Fong]'s Articles
[Pouwan Lei]'s Articles
Bing Scholar
Similar articles in Bing Scholar
[Chi Po Cheong]'s Articles
[Simon Fong]'s Articles
[Pouwan Lei]'s Articles
Terms of Use
No data!
Social Bookmark/Share
All comments (0)
No comment.
 

Items in the repository are protected by copyright, with all rights reserved, unless otherwise indicated.