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The Future of Mobile Web Payments: Identity, Security, and Privacy Considerations

This document discusses the evolution of mobile web payments, focusing on identity, security, and privacy mechanisms necessary for success. It reviews the legacy of Premium SMS, still popular in many markets, and highlights the growth of mobile payment systems projected to reach $1,134.2 billion by 2017. The need for multifactor authentication leveraging contextual data such as biometrics and geolocation is emphasized. Recommendations for addressing security issues related to data transmission and integration with device APIs are also provided.

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The Future of Mobile Web Payments: Identity, Security, and Privacy Considerations

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  1. Identity, Security and Privacy: Mobile Web Payments Giri Mandyam March 25, 2014 W3C Web Payments Workshop

  2. Mobile Web Payments - Legacy • Premium SMS still popular • Based on operator-assigned short code • Customer sends text message to short code • Can be followed by pin exchange to verify origin of SMS • Customer is billed through operator • Identity through cellphone credentials • PSMS market still quite strong worldwide • US operators have shut it down • Acc. to Transparency Research International (2013) • 236.9 billion in 2012 and further expected to reach to 1,134.2 billion in 2017 • CAGR of 36.8% from 2012 to 2017 • Mobile browsers have supported PSMS from the WAP days • Any new web payments mechanism would have to bear this in mind • And all the accompanying issues, including • Operator rev share, • Bad debt

  3. Mobile Web Payments – Legacy (cont.) • HTTP Header Enrichment • Long used for mobile content management systems (CMS’s) • Operator adds header with unique mobile subscriber ID (e.g. MSISDN) • Service provider works with operator to bill customer directly • Advantages • Seamless billing from an end user perspective • No changes necessary to existing browsers • Disadvantages • Not secure if path from operator network to server is not secure • Middleboxes can spoof headers • Traversing NAT’s is an issue • Not expected to work on WiFi • Similar transactional issues as PSMS • Bad debt, operator rev share

  4. Mobile Web Payments – Going Forward • Multifactor authentication leveraging contextual data • Location, biometrics, etc. • Retail example: • In-store shoppers who use bar code scanning on mobile device to scan in items as placing them into cart • At checkout, device produces a final bar code to be scanned is displayed on mobile device and read • Customer automatically billed • Can in-store location of shopper be leveraged instead?

  5. Mobile Web Payments – Going Forward

  6. Mobile Web Payments – Going Forward • HTML5 has introduced features such as Geolocation, NFC that take leverage device API’s in mobile devices and provide contextual information • Use of contextual information has a place in multifactor authentication • Previous in-store shopping example • Such data must be provided by a verifiable source • Information could be sensitive (e.g. biometric data) • Data sent directly by web apps using standard methods such as XHR or WebSockets may be vulnerable to attacks (even over TLS) • Any W3C Web Payments enabler should consider whether deeper integration into HW for multifactor auth using device API’s is needed

  7. Thank You

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