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One commonly used wireless communication technology is Near-Field Communication (NFC). Smartphones that support this technology are used in contactless payment systems as identification devices to emulate credit cards. This technology has essentially focused on the quality of communication services and has somewhat disregarded security services. Communication messages between smartphones, the point of sale (POS), and service providers are susceptible to attack due to existing weaknesses, including that an adversary can access, block and modify the transmitted messages to achieve illegal goals. Therefore, there have been many research proposals in regards to authentication schemes for NFC communications in order to prevent various types of attacks. However, the proposed schemes remain inadequate to secure payment transactions in such systems. In this paper, we propose a fully authentication services scheme for NFC mobile payment systems in order to support a high security level. The proposed scheme has security services, such as a full authentication process, perfect forward secrecy, and simultaneous anonymity of the smartphone and POS. These security services have been validated using the BAN logic model and an automatic cryptographic protocol verifier (ProVerif) tool. A security analysis has clarified that the proposed scheme can prevent various types attacks. A comparison with recent authentication schemes demonstrates that the proposed scheme has an appropriate cost in different sides such as computation, communication and storage space. Therefore, the proposed scheme not only has appealing security features, but can also clearly be utilized in mobile payment systems.

Fully Authentication Services Scheme for NFC Mobile Payment Systems