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Programs often propose three or more different authentication methods to ensure the authenticity of the device asking for payment. For example the “lock” in the form of a PIN code or a password. Problems can be the following
- Often the mobile device and the computer are not connected to the same localization systems. For example, you can be on a Chinese website, whereas the payment is handled on a European website.
- Mobile devices often use different technologies to authenticate themselves (such as NFC, proximity sensors, or contactless solutions).
- The running application is often not in sync with the settings of the physical security of the location. For example, the application thinks that the mobile device is always connected to a hotspot, but the hotspot is never turned on.
- The PIN is given by the user, and may be incorrect.
- There are different security systems available in a location (biometrics, for example), but the authentication method is not activated.
Verifying this is virtually impossible. With the exception of the application developer, the creator must have a one-time password generator installed on the device. This allows to create a temporary password to be displayed to the customer on the website. The customer enters the generated password in its place. The application then checks the validity of the password against the server. If it is correct, the transaction is completed.
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