IRJET- A Mobile Payment System Based on Face Recognition
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This document proposes a new mobile payment framework based on face recognition. It aims to improve security over existing frameworks by using biological characteristics like facial features to verify a user's identity. The framework would use face detection and feature extraction techniques like 2D-PCA to analyze a user's face image during payment. It also incorporates a third party to authenticate transactions. The proposed system is described as having high security and efficiency while still working to improve accuracy under different lighting conditions.
![International Research Journal of Engineering and Technology (IRJET) e-ISSN: 2395-0056
Volume: 06 Issue: 4 | Apr 2019 www.irjet.net p-ISSN: 2395-0072
© 2019, IRJET | Impact Factor value: 7.211 | ISO 9001:2008 Certified Journal | Page 5173
A Mobile Payment System Based On Face Recognition
Prof. Pavan Sharma1, Priyanshu2, Vikas Tiwari3, Nikhil Jha4
1Professor, 2,3,4Student
1,2,3,4Department of Computer Science and Engineering
1,2,3,4ABES Institute of Technology, Ghaziabad
------------------------------------------------------------------------------------------------------------------------------------
Abstract— Along with the increasing market share of
smartphone, more people are using mobile payment to
pay for something in their day to day life. In this paper,
a new mobile payment framework which is based on
face recognition is proposed after studying existing
mobile payment frameworks. On the basis of
traditional password authentication technology, this
new face recognition based framework applies
biological characteristics to ensure users’ identity. In
technical terms, it uses face detection and facial
feature extraction method which cope with 2D-PCA
(two dimension principal component analysis) to verify
users’ face image and identity. Besides, this framework
applies a third-party to ensure the authenticity of the
transaction process.
Key Words: mobile payment, third-party
authentication of payment, 2DPCA, face recognition.
1.INTRODUCTION
On September 26, 2013, "User research report of
China mobile banking, 2013" was released. The
report indicates that people who favored mobile
payment represented 46.97%, which is somewhat
lower than the extent of the PC, and the number of
user is increasing quickly. Hence, mobile payment is
a big trend, but for now, users’ habit of using mobile
payment is still in training.
People have done numerous research on the factors
that impact uses' acceptance of mobile payment,
among numerous factors, security is chosen as it is
the one that is worth most [3-4]. There are two major
mobile payment hazards at present, one of them is
network data of mobile communication being
captured, and another is verified path being uploaded
[5].
At present, mobile payment can be categorized into
near-field payment and remote payment. Near-field
payment comprises of RFID based mobile payment
framework and NFC based mobile payment
framework. Currently, near-field payment is not
widely used because of its limited use. Their security
measure for non-encrypted information in case of
misconduct is not effective [6].
There are lightweight mobile payment protocols,
third-party based mobile payment frameworks and
biometrics based mobile payment frameworks in
remote payment [7].
Some non-biometrics based frameworks always have
a simple process, which easily causes data leakage or
authentication errors. However, current biometric-
based frameworks are not secure. It is difficult for an
immature framework to protect users’ identity. On
the contrary, once safety and accuracy of a biometric-
based framework can be ensured, the efficiency of
payment will be immensely improved.
2. RELATED WORK
Currently, mobile payment can be divided into near-
field payment and remote payment. When it comes to
remote payment, it can be further divided into
biometric based remote mobile payment framework
and non-biometric based remote mobile payment](https://image.slidesharecdn.com/irjet-v6i41110-190727101230/85/IRJET-A-Mobile-Payment-System-Based-on-Face-Recognition-1-320.jpg)
![International Research Journal of Engineering and Technology (IRJET) e-ISSN: 2395-0056
Volume: 06 Issue: 4 | Apr 2019 www.irjet.net p-ISSN: 2395-0072
© 2019, IRJET | Impact Factor value: 7.211 | ISO 9001:2008 Certified Journal | Page 5174
framework according to if it uses biological features
to validate.
The following context will describe some related
work from these three viewpoints.
1) Near-field payment. Reference [8] proposed RFID
based mobile payment system. it moves RFID
information card into mobile to make sure the
authenticity of the registration information is
maintained. However, RFID is not widely used and is
expensive when is comes to the advancement of this
framework.
2) Biometric based remote mobile payment
framework. Reference [9] proposed a biometric
based secure mobile payment framework. It collects
fingerprint authentication technology, WPKI
(Wireless Public Key Infrastructure) and UICC
(Universal Integrated Circuit Card) to ensure the
confidentiality of the transaction process. An
android-based mobile payment system secured by 3-
factor authentication is proposed in reference [10].
This system uses text authentication, card
authentication and face authentication as its key
factors to verify users’ identity. But it requires the
use of specific USIM card (USIM card) to authenticate
users, which limits the promotion of this system.
3) Non-biometric based remote m-payment
framework. A lightweight mobile payment system
based on symmetric encryption is proposed in
reference [2]. This system maintains the performance
of the phone, and improves the enforceability of the
system. However, it reduces the security of mobile
payment.
Based on the above work, this paper proposes a
secure mobile payment framework based on face
recognition.
3. PROPOSED WORK
As now-a-days world is moving toward the cashless
payment modes with different security systems (pins,
passwords, etc.) as well as different platforms
(paytm, phonepe, airtel wallet,etc), it is difficult for
people to remember lots of payment modes
credentials (usernames, passwords, emails, pins,
etc.). So in this paper, we are going to propose idea
with which we can make a payment system for the
people where they can store all their credential once
and generate a common password or pin with their
face as the username.
We have to deal a lot with our payment modes during
the payment or checking out from stores like waiting
in long queues, waiting for the change money, which
is quiet delay in the process. Our proposed work
solves the problem of managing multiple payment
modes by replacing all of](https://image.slidesharecdn.com/irjet-v6i41110-190727101230/85/IRJET-A-Mobile-Payment-System-Based-on-Face-Recognition-2-320.jpg)
![International Research Journal of Engineering and Technology (IRJET) e-ISSN: 2395-0056
Volume: 06 Issue: 4 | Apr 2019 www.irjet.net p-ISSN: 2395-0072
© 2019, IRJET | Impact Factor value: 7.211 | ISO 9001:2008 Certified Journal | Page 5176
CONCLUSION
This mobile payment framework has high-level
security and efficiency. However, due to the
complication in the technology and the influences
from circumstance, the accuracy and efficiency will
be affected to an extent when users take photos at
different angle or under different lights. Thus, after
the construction of the proposed framework, our
group will further explore the face recognition
algorithm in order to increase the framework’s
stability and accuracy.
REFERENCES
[1] Zhaomiao Xu, Tao Zhang, Yujun Zeng, Jia Wan,
Wuyang Wu. A Secure Mobile Payment Framework
Based On Face Authentication. Proceedings of the
International MultiConference of Engineers and
Computer Scientists 2015 Vol I, IMECS 2015, 1:015
[2] Fun T S, Beng L Y, Likoh J, et al. A lightweight and
private mobile payment protocol by using mobile
network operator[C]//Computer and
Communication Engineering, 2008. ICCCE 2008.
International Conference on. IEEE, 2008: 162-166.
[3] Dewan S G, Chen L. Mobile payment adoption in
the USA: a crossindustry, cross-platform solution[J].
Journal of Information Privacy & Security, 2005, 1(2):
4-28.
[4] Zmijewska A. Evaluating wireless technologies in
mobile paymentsa customer centric
approach[C]//Mobile Business, 2005. ICMB 2005.
International Conference on. IEEE, 2005: 354-362.
[5] Dawei Li. Issues of security of mobile payment
technology[J]. Gansu Science and Technology, 2014,
2: 011.
[6] Liu Y, Kostakos V, Deng S. Risks of Using NFC
Mobile Payment: Investigating the Moderating Effect
of Demographic Attributes[J]. Effective, Agile and
Trusted eServices Co-Creation, 2013: 125
[7] Javidan R, Pirbonyeh M A. A new security
algorithm for electronic payment via mobile
phones[C]//Applied Sciences in Biomedical and
Communication Technologies (ISABEL), 2010 3rd
International Symposium on. IEEE, 2010: 1-5.
[8] Qadeer M A, Akhtar N, Govil S, et al. A Novel
Scheme for Mobile Payment Using RFID-Enabled
Smart SIMcard[C]//Future Computer and
Communication, 2009. ICFCC 2009. International
Conference on. IEEE, 2009: 339-343.
[9] Ahamad S S, Sastry V N, Nair M. A Biometric based
Secure Mobile Payment Framework[C]//Computer
and Communication Technology (ICCCT), 2013 4th
International Conference on. IEEE, 2013: 239-246.
[10] Hu J Y, Sueng C C, Liao W H, et al. Android-based
mobile payment service protected by 3-factor
authentication and virtual private ad hoc
networking[C]//Computing, Communications and
Applications Conference (ComComAp), 2012. IEEE,
2012: 111-116.](https://image.slidesharecdn.com/irjet-v6i41110-190727101230/85/IRJET-A-Mobile-Payment-System-Based-on-Face-Recognition-4-320.jpg)
IRJET- A Mobile Payment System Based on Face Recognition
- 1. International Research Journal of Engineering and Technology (IRJET) e-ISSN: 2395-0056 Volume: 06 Issue: 4 | Apr 2019 www.irjet.net p-ISSN: 2395-0072 © 2019, IRJET | Impact Factor value: 7.211 | ISO 9001:2008 Certified Journal | Page 5173 A Mobile Payment System Based On Face Recognition Prof. Pavan Sharma1, Priyanshu2, Vikas Tiwari3, Nikhil Jha4 1Professor, 2,3,4Student 1,2,3,4Department of Computer Science and Engineering 1,2,3,4ABES Institute of Technology, Ghaziabad ------------------------------------------------------------------------------------------------------------------------------------ Abstract— Along with the increasing market share of smartphone, more people are using mobile payment to pay for something in their day to day life. In this paper, a new mobile payment framework which is based on face recognition is proposed after studying existing mobile payment frameworks. On the basis of traditional password authentication technology, this new face recognition based framework applies biological characteristics to ensure users’ identity. In technical terms, it uses face detection and facial feature extraction method which cope with 2D-PCA (two dimension principal component analysis) to verify users’ face image and identity. Besides, this framework applies a third-party to ensure the authenticity of the transaction process. Key Words: mobile payment, third-party authentication of payment, 2DPCA, face recognition. 1.INTRODUCTION On September 26, 2013, "User research report of China mobile banking, 2013" was released. The report indicates that people who favored mobile payment represented 46.97%, which is somewhat lower than the extent of the PC, and the number of user is increasing quickly. Hence, mobile payment is a big trend, but for now, users’ habit of using mobile payment is still in training. People have done numerous research on the factors that impact uses' acceptance of mobile payment, among numerous factors, security is chosen as it is the one that is worth most [3-4]. There are two major mobile payment hazards at present, one of them is network data of mobile communication being captured, and another is verified path being uploaded [5]. At present, mobile payment can be categorized into near-field payment and remote payment. Near-field payment comprises of RFID based mobile payment framework and NFC based mobile payment framework. Currently, near-field payment is not widely used because of its limited use. Their security measure for non-encrypted information in case of misconduct is not effective [6]. There are lightweight mobile payment protocols, third-party based mobile payment frameworks and biometrics based mobile payment frameworks in remote payment [7]. Some non-biometrics based frameworks always have a simple process, which easily causes data leakage or authentication errors. However, current biometric- based frameworks are not secure. It is difficult for an immature framework to protect users’ identity. On the contrary, once safety and accuracy of a biometric- based framework can be ensured, the efficiency of payment will be immensely improved. 2. RELATED WORK Currently, mobile payment can be divided into near- field payment and remote payment. When it comes to remote payment, it can be further divided into biometric based remote mobile payment framework and non-biometric based remote mobile payment
- 2. International Research Journal of Engineering and Technology (IRJET) e-ISSN: 2395-0056 Volume: 06 Issue: 4 | Apr 2019 www.irjet.net p-ISSN: 2395-0072 © 2019, IRJET | Impact Factor value: 7.211 | ISO 9001:2008 Certified Journal | Page 5174 framework according to if it uses biological features to validate. The following context will describe some related work from these three viewpoints. 1) Near-field payment. Reference [8] proposed RFID based mobile payment system. it moves RFID information card into mobile to make sure the authenticity of the registration information is maintained. However, RFID is not widely used and is expensive when is comes to the advancement of this framework. 2) Biometric based remote mobile payment framework. Reference [9] proposed a biometric based secure mobile payment framework. It collects fingerprint authentication technology, WPKI (Wireless Public Key Infrastructure) and UICC (Universal Integrated Circuit Card) to ensure the confidentiality of the transaction process. An android-based mobile payment system secured by 3- factor authentication is proposed in reference [10]. This system uses text authentication, card authentication and face authentication as its key factors to verify users’ identity. But it requires the use of specific USIM card (USIM card) to authenticate users, which limits the promotion of this system. 3) Non-biometric based remote m-payment framework. A lightweight mobile payment system based on symmetric encryption is proposed in reference [2]. This system maintains the performance of the phone, and improves the enforceability of the system. However, it reduces the security of mobile payment. Based on the above work, this paper proposes a secure mobile payment framework based on face recognition. 3. PROPOSED WORK As now-a-days world is moving toward the cashless payment modes with different security systems (pins, passwords, etc.) as well as different platforms (paytm, phonepe, airtel wallet,etc), it is difficult for people to remember lots of payment modes credentials (usernames, passwords, emails, pins, etc.). So in this paper, we are going to propose idea with which we can make a payment system for the people where they can store all their credential once and generate a common password or pin with their face as the username. We have to deal a lot with our payment modes during the payment or checking out from stores like waiting in long queues, waiting for the change money, which is quiet delay in the process. Our proposed work solves the problem of managing multiple payment modes by replacing all of
- 3. International Research Journal of Engineering and Technology (IRJET) e-ISSN: 2395-0056 Volume: 06 Issue: 4 | Apr 2019 www.irjet.net p-ISSN: 2395-0072 © 2019, IRJET | Impact Factor value: 7.211 | ISO 9001:2008 Certified Journal | Page 5175 Fig 1. System Framework them by one which makes the transaction process fast, secure and more convenient. It is a hassle-free payment system. We decided not just to enable people to walk without wallets – but to travel wallet free. This new system enables your wallet to be anywhere you need in an instance of a second. Pay by simply being in the store. 4. METHODOLOGY AT MERCHANT END:- i. Visit a place where they already got face payment system installed. ii. Come in front of the camera, and press Sign In. iii. A glance in the camera, and your account is ready to use. iv. Now you can credit balance as per your choice, be it banking card or cash. v. You can carry on with the transaction process. vi. You can go online, and set up your existing bank account to load your app account automatically vii. . AT CLIENT END: i. You first have to make an account providing basic information about you and your preferred payment method. ii. The application will ask the user to click some pictures for future verification and also enter the required personal details. iii. After this you will be able to pay using this mode of payment.
- 4. International Research Journal of Engineering and Technology (IRJET) e-ISSN: 2395-0056 Volume: 06 Issue: 4 | Apr 2019 www.irjet.net p-ISSN: 2395-0072 © 2019, IRJET | Impact Factor value: 7.211 | ISO 9001:2008 Certified Journal | Page 5176 CONCLUSION This mobile payment framework has high-level security and efficiency. However, due to the complication in the technology and the influences from circumstance, the accuracy and efficiency will be affected to an extent when users take photos at different angle or under different lights. Thus, after the construction of the proposed framework, our group will further explore the face recognition algorithm in order to increase the framework’s stability and accuracy. REFERENCES [1] Zhaomiao Xu, Tao Zhang, Yujun Zeng, Jia Wan, Wuyang Wu. A Secure Mobile Payment Framework Based On Face Authentication. Proceedings of the International MultiConference of Engineers and Computer Scientists 2015 Vol I, IMECS 2015, 1:015 [2] Fun T S, Beng L Y, Likoh J, et al. A lightweight and private mobile payment protocol by using mobile network operator[C]//Computer and Communication Engineering, 2008. ICCCE 2008. International Conference on. IEEE, 2008: 162-166. [3] Dewan S G, Chen L. Mobile payment adoption in the USA: a crossindustry, cross-platform solution[J]. Journal of Information Privacy & Security, 2005, 1(2): 4-28. [4] Zmijewska A. Evaluating wireless technologies in mobile paymentsa customer centric approach[C]//Mobile Business, 2005. ICMB 2005. International Conference on. IEEE, 2005: 354-362. [5] Dawei Li. Issues of security of mobile payment technology[J]. Gansu Science and Technology, 2014, 2: 011. [6] Liu Y, Kostakos V, Deng S. Risks of Using NFC Mobile Payment: Investigating the Moderating Effect of Demographic Attributes[J]. Effective, Agile and Trusted eServices Co-Creation, 2013: 125 [7] Javidan R, Pirbonyeh M A. A new security algorithm for electronic payment via mobile phones[C]//Applied Sciences in Biomedical and Communication Technologies (ISABEL), 2010 3rd International Symposium on. IEEE, 2010: 1-5. [8] Qadeer M A, Akhtar N, Govil S, et al. A Novel Scheme for Mobile Payment Using RFID-Enabled Smart SIMcard[C]//Future Computer and Communication, 2009. ICFCC 2009. International Conference on. IEEE, 2009: 339-343. [9] Ahamad S S, Sastry V N, Nair M. A Biometric based Secure Mobile Payment Framework[C]//Computer and Communication Technology (ICCCT), 2013 4th International Conference on. IEEE, 2013: 239-246. [10] Hu J Y, Sueng C C, Liao W H, et al. Android-based mobile payment service protected by 3-factor authentication and virtual private ad hoc networking[C]//Computing, Communications and Applications Conference (ComComAp), 2012. IEEE, 2012: 111-116.