Enhancing e-commerce security using GSM authentication

Today, e-commerce transactions axe typically protected using SSL/TLS. However, there are risks in such use of SSL/TLS, notably threats arising from the fact that information is stored in clear at the end point of the communication link and the lack of user authentication. Although SSL/TLS does offer the latter, it is optional and usually omitted since users typically do not have the necessary asymmetric key pair. In this paper, we propose a payment protocol in which user authentication is provided using GSM 'subscriber identity authentication'. In the protocol, a consumer is required to possess a GSM mobile station registered under a subscriber name corresponding to that on his/her debit/credit card. The cardholder identity is combined with the GSM subscriber identity in such a way that without a mobile station, in particular the SIM, and the corresponding debit/credit card, an unscrupulous user will find it difficult to make a fraudulent payment at the expense of the legitimate cardholder. This is achieved in such a way that no management overhead is imposed on the user.