International Journal of Engineering Research & Technology (IJERT) ISSN: 2278-0181 Vol. 1 Issue 4, June - 2012

An Efficient Authentication and Payment Method for M-Commerce
Sukhjit Kaur Post Graduate,RIMT Institutes Mandi Gobindgarh (PB) –147301
Anuj Kumar Gupta Associate Professor,RIMT Institute of Engg. & Technology Mandi Gobindgarh (PB) - 147301

Abstract
Technological advances in mobile phones (e.g. Smartphones) have also made it possible to carry out ecommerce via mobile phones (m-commerce). Mcommerce involves the use of mobile devices such as mobile phones and PDA’s in carrying out electronic transactions.Just like e-commerce, the security of mcommerce applications is critical, especially when it involves applications that deal with user sensitive data such as credit cards details, medical details etc. Authentication and secure payment is a major security issue when it comes to carrying out mobile financial transactions remotely.However, the security issues that arise with the growth in this field cannot be neglected. For example, how does one ensure that participants in an m-commerce transaction are who they claim to be (authentication)? Also, how does one support secure financial transactions in m-commerce businesses? Credit card fraud is identity theft in its most simple form. It can happen when your pre-approved credit card offers fall into the wrong hands. Acc to survey,The Federal Trade Commission estimates that 10 million people are victimized by credit card theft each year.The objective of this research work is to propose a secure platform-independent authentication and payment method for m-commerce applications free from Simishing attacks , Dictionary attacks etc. It is necessary to prevent Simishing and since its occurrence may affect the image and the potential customer base of a company.So security enhancement of mobile payment system is