Ayo, C. K. and Mac-Eze, C. M. and Adebiyi, A. A. and Oni, Aderonke A and Okesola, J. O. and Odun-Ayo, Isaac (2021) Developing a Multi-factor Authentication-based Cardless Electronic Payment System. In: International Conference on Energy and Sustainable Environment, 2021, Online.
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Abstract
The Nigerian economy is still largely cash based arising from inadequate infrastructure, trust and instability in the banking sector. However, there are improvements in the adoption of the electronic platform through the concerted efforts of government by introducing some policies that encourage its use. The recent policy is the cashless policy, which is aimed at reducing the use of cash to the barest minimum. This paper is aimed at developing an electronic payment system that integrates all the bank accounts of a particular holder together and access granted to them with or without a payment card through a multi-factor authentication procedures such as pin, fingerprint, irish or 3D facial recognition. On a full implementation, this system incorporates additional security protocol on the device to avoid nonrepudiation and ensure that the user is actually who he claims to be. The system will enhance ease of use as well as simplify the use of the e- Payment channels.
| Item Type: | Conference or Workshop Item (Paper) |
|---|---|
| Uncontrolled Keywords: | e-Payment, Fingerprint, Authentication, ATM, ICT, Mobile phones, and Cardless |
| Subjects: | Q Science > Q Science (General) Q Science > QA Mathematics > QA76 Computer software |
| Divisions: | Faculty of Engineering, Science and Mathematics > School of Electronics and Computer Science |
| Depositing User: | Patricia Nwokealisi |
| Date Deposited: | 08 Jul 2024 16:09 |
| Last Modified: | 08 Jul 2024 16:09 |
| URI: | http://eprints.covenantuniversity.edu.ng/id/eprint/18170 |
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