Dynamic array PIN:A novel approach to secure NFC electronic payment between ATM and smartphone

Near Field Communication (NFC) technology has been used recently for electronic payment between an Automated Teller Machine (ATM) and a Smartphone. It is threatened by several attacks that can steal the user personal data like the password or the Personal Identification Number (PIN). In this paper, we present Dynamic Array PIN (DAP), a novel approach for user authentication on a Smartphone that uses NFC electronic payment with an ATM. Our analysis and experimentation prove that this technique protects against thirteen different attacks and is cost-effective in terms of required hardware, authentication time, computing power and storage space.