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Link to original content: https://doi.org/10.1007/s11042-014-2238-1
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The credit card visual authentication scheme based on GF(28) field

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Abstract

Recently, with the popular use of the credit cards, credit card fraud has become a severe problem. Merchants suffer great losses from credit card fraud. In this paper, we focus on “chip and signature” card, propose a credit card visual authentication scheme to resist lost and stolen card attack and protect the benefits of merchants. Inspired from the QR decomposition, we introduce image processing techniques to credit card transactions at POS terminals in order to ensure that the payer is the real cardholder, which gives an approach for credit card authentication. Our proposed scheme combines a one-time credit card transaction number and image processing techniques without changing the cardholders’ transaction habit. We use a hash function to generate a one-time credit card transaction number with the shared secret only known to the cardholder and the bank, and a mathematical method of GF(28) to solve the image problem, which will provide a math tool on image research. Analysis and comparison show that our scheme is secure in practical applications.

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Authors and Affiliations

  1. Department of Mathematics and Physics, Fujian University of Technology, Fuzhou, Fujian, 350108, China

    Feng Wang

  2. Department of Information Engineering and Computer Science, Feng Chia University, 100 Wenhwa Rd., Seatwen, Taichung, 40724, Taiwan

    Chin-Chen Chang & Wan-Li Lyu

  3. Department of Computer Science and Information Engineering, Asia University, Taichung, 41354, Taiwan

    Chin-Chen Chang

  4. Key Laboratory of Intelligent Computing and Signal Processing of Ministry of Education, School of Computer Science and Technology, Anhui University, Hefei, 230039, China

    Wan-Li Lyu

Authors
  1. Feng Wang
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  2. Chin-Chen Chang
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  3. Wan-Li Lyu
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Corresponding authors

Correspondence to Feng Wang or Chin-Chen Chang.

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Wang, F., Chang, CC. & Lyu, WL. The credit card visual authentication scheme based on GF(28) field. Multimed Tools Appl 74, 11451–11465 (2015). https://doi.org/10.1007/s11042-014-2238-1

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  • DOI: https://doi.org/10.1007/s11042-014-2238-1

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