Abstract

Purpose. Develop protection against unauthorized reading of bank contactless payment cards based on PayPass (Mastercard) and PayWave (Visa) technologies.
Methods. The following components were used to implement the project: Arduino UNO R3; RFID module RC522; RFID chip card; model board for 400 points; set of model wires; RFID-module with increased radius of action; Bank payment card with support of contactless payments. These extension boards are connected to Arduino using their pin connectors mounted on them. There is a number of unified motherboards, which allows a constructively rigid connection of the processor board and expansion cards in a stack through the pin rods. In addition, boards with reduced and special form factors are issued. We used the RC522 RFID module with a frequency of 13.56 MHz with an SPI interface, since such a module can be used for various radio amateur and commercial applications, including access control, automatic identification, robotics, speech tracking, payment systems, etc.
Results. Based on the analysis of the process of conducting a transaction with a contactless bank payment card, the methods and the moment of possible theft of data from RFID tags with the use of homemade RFID readers are established. The software-hardware complex on the basis of the Arduino UNOR3 platform was developed to protect the RFID tags of bank contactless payment cards based on PayPass (Mastercard) and PayWave (Visa) technologies from unauthorized reading.
Conclusions. The main threats of correct operation and ways of unauthorized access to RFID-labeled data are determined, as well as methods for protecting the confidentiality of RFID-tags of bank payment card. The ArduinoUnoR3 software-hardware complex was designed and developed to demonstrate the process of obtaining data from RFID tags. A prototype card with RFID tagged antenna has been created, which allows it to protect itself against the theft of bank payment cards. The effectiveness of this method of protection has been established based on the results of testing the reading of information from the RFID tags in the presence of a nearby prototype of the card with a reinforced RFID tag antenna and in its absence

Keywords: RFID, PayPass, PayWave, RFID tag, contactless payments

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