LD Based Framework to Mitigate Threats in Mobile Based Payment System

LD Based Framework to Mitigate Threats in Mobile Based Payment System

Jitendra Singh
Copyright: © 2019 |Pages: 17
DOI: 10.4018/IJIDE.2019100101
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Smartphones have deeply penetrated in modern lifestyle. Accordingly, usage has grown manifold in the area of social media, collaboration, and mobile-based payment. The security of smartphones is increasingly critical at the user end as well as at service provider's end due to the involvement of monetary payments and personal information. Despite using a smartphone for mobile payments, strong security measures have not been put into place by a majority of users, particularly those involved with electronic payments. This article is an attempt to identify threats applicable to smartphones and classify them based on a broader category of threats. Existing vulnerabilities have been explored. In the light of the digital India campaign, security preparedness among Indian users has been assessed by carrying out a survey that reveals a poor level of preparedness among mobile users. Finally, the authors have proposed a lotus diagram (LD)-based framework to mitigate threats that can negatively impact mobile-based payment. The proposed method will greatly help in strengthening security and mitigating the threats for the user.
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Mobile phones are highly preferred due to their ease of portability and rich features (Singh & Chaubey, 2016). Now the smartphones are also equipped with powerful computational capabilities that are equivalent to that of personal computer (Goasduff & Forni, 2017). Random access memory (RAM) has reached to the tune of 2GB even in ordinary smartphones. Modern Smartphones are exceeding even 6 GB RAM, for instance, Samsung Galaxy C9 Pro, Oppo F3 Plus, Oneplus T5, etc. are the smartphones with 6GB of RAM or exceeding(https://www.statista.com). Trend continues to rise owing to continuous fall in the prices of mobile phones, affordable data usage plan and improvement in technical skill of users. According to an estimate, smartphones have gained the market since 2011, however, during 2014-16 they have witnessed sharp surge in smartphone ownership.

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