Enhanced model for PKI certificate validation in the mobile banking

Abstract

Mobile banking is a service that allows customers to do banking transactions on their mobile phone. Bank transactions, such as balance inquiry, money transfer, online payments and other mobile services usually require the transmission of critical information. Therefore, it is extremely necessary to provide the security services including the confidentiality, integrity, and authentication. The Public Key Infrastructure (PKI) system can be used to provide the four security services, in particular, the authentication service for mobile banking. Because the current PKI systems use the RSA asymmetric algorithm with key lengths of 1024-4096 bits and advanced web browsers to deal with the certificate validation, it is not appropriate for the mobile devices, which have limited resources and software. This paper proposes an efficient PKI system for mobile devices. In the improved model, the NTRU replaces the RSA algorithm and the Micali's NOVOMODO system has been use to provide efficient certificate validation. This new setup for PKI complies with the limited resources of the mobile devices and provides the four security services with cheap computational costs).