Wireless Communication and Digital Identity Technologies for Secure Financial Services and User Authentication

Abstract

With the rapid advancement of information and communication technologies, digital transformation is actively reshaping various sectors, including finance, healthcare, and government services. In the financial sector, traditional payment methods based on physical cards have been progressively replaced by contactless systems utilizing short-range communication technologies such as near-field communication (NFC). Additionally, the development of self-sovereign identity (SSI) technologies has facilitated the adoption of mobile identification systems as alternatives to physical IDs, whereas data-driven financial services such as MyData have enabled user-centric control of personal information. However, the digitalization of financial services has introduced growing security threats, particularly in wireless communication and user authentication processes. This dissertation proposes a Wi-Fi-based financial payment system that employs physical layer key generation (PLKG) to overcome the distance limitations of conventional financial technologies and to address vulnerabilities in the communication process. Furthermore, a digital identity protection mechanism is presented to mitigate the risk of personal information leakage during the identification and authentication stages. By integrating security measures at both the physical and logical layers, the proposed system enhances the reliability and security of communication and user management in digital financial services.