Enhancing Personal Identification Number (Pin) Mechanism To Provide Non-Repudiation Through Use Of Timestamps In Mobile Payment Systems

Abstract

Personal identification mechanism (PIN) is a widely used mechanism especially in applications dealing with financial transactions. It is widely used due to its easy way of implementation in that it’s as easy to implement PIN mechanism as it is easy to employ passwords in the application; also it is easy for the users to remember a 4 digit number that remembering a password. For these and other more reasons PIN is the mostly used mechanism to authorize transactions in a payment application, but due to its advantages PIN has never been able to provide non-repudiation. Non-repudiation is defined as the act of ensuring that parties that are involved in a transaction do not fault on that transaction. It acts as a evidence that indeed a said transaction took place between a set of parties and either of those parties cannot fault on that transaction. Hence the main goal or objective of this project was to enhance PIN to provide non-repudiation through the use of timestamps. Timestamps are one of the mechanisms that can be used to provide non-repudiation in applications.

Keywords: PIN(Personal Identification Number), Non-repudiation, Time-stamp .Pin-Timestamp Algorithm, Non-Repudiation of Origin (NRO), Non-Repudiation of Receipt (NRR), Non-Repudiation of Submission (NRS), Non-Repudiation of Transport (NRT).