Biblio

In online payment, customers must transmit their personal and financial information through the website to conclude their purchase and pay the services or items selected. They may face possible fears from online transactions raised by their risk perception about financial or privacy loss. They may have concerns over the payment decision with the possible negative behaviors such as shopping cart abandonment. Therefore, customers have three major players that need to be addressed in online payment: the online seller, the payment page, and their own perception. However, few studies have explored these three players in an online purchasing environment. In this paper, we focus on the customer concerns and examine the antecedents of trust, payment security perception as well as their joint effect on two fundamentally important customers' aspects privacy concerns and financial fear perception. A total of 392 individuals participated in an online survey. The results highlight the importance, of the seller website's components (such as ease of use, security signs, and quality information) and their impact on the perceived payment security as well as their impact on customer's trust and financial fear perception. The objective of our study is to design a research model that explains the factors contributing to an online payment decision.

Based on the Indonesian of Statistics the level of society people in 2019 is grow up. Based on data, the bank conducted a community to simple transaction payment in the market. Bank just used a debit card or credit card for the transaction, but the banks need more investment for infrastructure and very expensive. Based on that cause the bank needs another solution for low-cost infrastructure. Obtained from solutions that, the bank implementation QR Code Biometric authentication Payment Online is one solution that fulfills. This application used for payment in online merchant. The transaction permits in this study lie in the biometric encryption, or decryption transaction permission and QR Code Scan to improve communication security and transaction data. The test results of implementation Biometric Cloud Authentication Platform show that AES 256 agents can be implemented for face biometric encryption and decryption. Code Scan QR to carry out transaction permits with Face verification transaction permits gets the accuracy rate of 95% for 10 sample people and transaction process gets time speed of 53.21 seconds per transaction with a transaction sample of 100 times.

In this study, we present WindTalker, a novel and practical keystroke inference framework that allows an attacker to infer the sensitive keystrokes on a mobile device through WiFi-based side-channel information. WindTalker is motivated from the observation that keystrokes on mobile devices will lead to different hand coverage and the finger motions, which will introduce a unique interference to the multi-path signals and can be reflected by the channel state information (CSI). The adversary can exploit the strong correlation between the CSI fluctuation and the keystrokes to infer the user's number input. WindTalker presents a novel approach to collect the target's CSI data by deploying a public WiFi hotspot. Compared with the previous keystroke inference approach, WindTalker neither deploys external devices close to the target device nor compromises the target device. Instead, it utilizes the public WiFi to collect user's CSI data, which is easy-to-deploy and difficult-to-detect. In addition, it jointly analyzes the traffic and the CSI to launch the keystroke inference only for the sensitive period where password entering occurs. WindTalker can be launched without the requirement of visually seeing the smart phone user's input process, backside motion, or installing any malware on the tablet. We implemented Windtalker on several mobile phones and performed a detailed case study to evaluate the practicality of the password inference towards Alipay, the largest mobile payment platform in the world. The evaluation results show that the attacker can recover the key with a high successful rate.