Tele-micropayment scam prevention based on visual secret sharing technique

摘要

Telecommunication micropayment (Tele-micropayment) is an alternative of shelling out from traditional electronic commerce with high flexibility. It has been applied to the applications of online software, music, e-book, and game credit, in which the consumers are only charged with petty expense. The verification procedure of this payment relies on OTP(one time password) via SMS(short message service). Obtaining the OTP from smart phone and importing the content into the website is easy for a consumer to complete the transaction. Nevertheless, the SMS Spam Blocker has brought a fatal damage to Tele-micropayment, which could be spread by malicious smart phone Apps(Applications). With the intercepted SMS, an attacker can further learn the content to launch a micropayment scam. As the amount of micropayment is petty, it is hard to be aware of this behavior after the victim receives the bill. In this proposal, we aim to design a brand-new OTP by introducing visual secret sharing technique. According to the experiments, even the attacker can intercept the SMS to get OTP, he cannot learn the content via OCR(Optical character recognition) software. This has proved that our design can greatly help to stop this micropayment scam.