Over the past decade, smartphones have become the point of convergence for many applications and services. There is a growing trend in which traditional smart-card based services like banking, transport and access control are being provisioned through smartphones. Smartphones with Near Field Communication (NFC) capability can emulate a contactless smart card; popular examples of such services include Google Pay and Apple Pay. Similar to contactless smart cards, NFC-based smartphone transactions are susceptible to relay attacks. For contactless smart cards, distance-bounding protocols are proposed to counter such attacks; for NFC-based smartphone transactions, ambient sensors have been proposed as potential countermeasures. In this study, we have empirically evaluated the suitability of ambient sensors as a proximity detection mechanism for contactless transactions. To provide a comprehensive analysis, we also collected relay attack data to ascertain whether ambient sensors are able to thwart such attacks effectively. We initially evaluated 17 sensors before selecting 7 sensors for in-depth analysis based on their effectiveness as potential proximity detection mechanisms within the constraints of a contactless transaction scenario. Each sensor was used to record 1000 legitimate and relay (illegitimate) contactless transactions at four different physical locations. The analysis of these transactions provides an empirical foundation on which to determine whether ambient sensors provide a strong proximity detection mechanism for security-sensitive applications like banking, transport and high-security access control.
@cite_18: In this paper, we report on a new approach for enhancing security and privacy in certain RFID applications whereby location or location-related information (such as speed) can serve as a legitimate access context. Examples of these applications include access cards, toll cards, credit cards, and other payment tokens. We show that location awareness can be used by both tags and back-end servers for defending against unauthorized reading and relay attacks on RFID systems. On the tag side, we design a location-aware selective unlocking mechanism using which tags can selectively respond to reader interrogations rather than doing so promiscuously. On the server side, we design a location-aware secure transaction verification scheme that allows a bank server to decide whether to approve or deny a payment transaction and detect a specific type of relay attack involving malicious readers. The premise of our work is a current technological advancement that can enable RFID tags with low-cost location (GPS) sensing capabilities. Unlike prior research on this subject, our defenses do not rely on auxiliary devices or require any explicit user involvement.
@cite_8: Modern smartcards, capable of sophisticated cryptography, provide a high assurance of tamper resistance and are thus commonly used in payment applications. Although extracting secrets out of smartcards requires resources beyond the means of many would-be thieves, the manner in which they are used can be exploited for fraud. Cardholders authorize financial transactions by presenting the card and disclosing a PIN to a terminal without any assurance as to the amount being charged or who is to be paid, and have no means of discerning whether the terminal is authentic or not. Even the most advanced smartcards cannot protect customers from being defrauded by the simple relaying of data from one location to another. We describe the development of such an attack, and show results from live experiments on the UK's EMV implementation, Chip & PIN. We discuss previously proposed defences, and show that these cannot provide the required security assurances. A new defence based on a distance bounding protocol is described and implemented, which requires only modest alterations to current hardware and software. As far as we are aware, this is the first complete design and implementation of a secure distance bounding protocol. Future smartcard generations could use this design to provide cost-effective resistance to relay attacks, which are a genuine threat to deployed applications. We also discuss the security-economics impact to customers of enhanced authentication mechanisms.
@cite_8 and @cite_18 showed how location-related data, using a GPS (Global Positioning System), can be used to determine the proximity of two NFC mobile phones. used a ten second window with location information collected every second, which was subsequently compared across various devices. The authors reported a high success rate in identifying the devices in close proximity to one another.