Implementation of secure mobile payment systems using advanced encryption and authentication protocols

Posted: Jul 12, 2025

• Scarlett Hernandez
• Scarlett Thomas
• Sophia Nguyen

Abstract

The rapid proliferation of mobile payment systems has fundamentally transformed financial transactions worldwide, creating an urgent need for robust security frameworks that can withstand evolving cyber threats. Current mobile payment infrastructures predominantly rely on conventional cryptographic standards such as AES and RSA, coupled with two-factor authentication mechanisms that have demonstrated increasing vulnerabilities to sophisticated attacks. The emergence of quantum computing presents an existential threat to current public-key cryptography, while advanced social engineering and biometric spoofing techniques compromise traditional authentication methods. This research addresses these critical challenges through the development of an innovative security framework that integrates quantum-resistant cryptography with continuous behavioral authentication. Our approach represents a paradigm shift from static security models to adaptive, multi-layered protection systems. The core innovation lies in the seamless integration of lattice-based cryptographic protocols with real-time behavioral biometric analysis, creating a security ecosystem that dynamically responds to threat indicators while maintaining optimal user experience.