Onumadu Princewill, Abroshan Hossein
School of Computing and Information Sciences, Anglia Ruskin University, Cambridge CB1 1PT, UK.
Sensors (Basel). 2024 Nov 21;24(23):7423. doi: 10.3390/s24237423.
Today, many businesses use near-field communications (NFC) payment solutions, which allow them to receive payments from customers quickly and smoothly. However, this technology comes with cyber security risks which must be analyzed and mitigated. This study explores the cyber risks associated with NFC transactions and examines strategies for mitigating these risks, focusing on payment devices. This paper provides an overview of NFC technology, related security vulnerabilities, privacy concerns, and fraudulent activities. It then investigates payment devices such as smartphones, contactless cards, and wearables, highlighting their features and vulnerabilities. The study also examines encryption, authentication, tokenization, biometric authentication, and fraud detection methods as risk mitigation strategies. The paper synthesizes theoretical frameworks to provide insights into NFC transaction security and offers stakeholder recommendations.
如今，许多企业都在使用近场通信（NFC）支付解决方案，这使得它们能够快速、顺利地接收客户的付款。然而，这项技术存在网络安全风险，必须加以分析和缓解。本研究探讨了与NFC交易相关的网络风险，并研究了减轻这些风险的策略，重点关注支付设备。本文概述了NFC技术、相关的安全漏洞、隐私问题和欺诈活动。然后，它研究了智能手机、非接触式卡和可穿戴设备等支付设备，突出了它们的特点和漏洞。该研究还考察了加密、认证、令牌化、生物识别认证和欺诈检测方法等风险缓解策略。本文综合了理论框架，以深入了解NFC交易安全，并为利益相关者提供建议。
