Security Enhanced Online Registration Prepaid Scratch Card Payment Approach

Bello Alhaji Buhari1, Ahmad Idris Tambuwal2
Page No. 53-59

The advent of e-commerce has created new financial needs that in many cases cannot be effectively
fulfilled by traditional payment systems. Prepaid cards, originally conceived as a convenient way
for consumers to pay for telephony access, are currently being repurposed for general use as
payment mechanism on the Internet. The significance of Authorization and Importance of
encryption influence the perceived security of E-finance transactions. In this paper we consider
scratch-off card (scratch card) used for institutions online registration payment taking Nigeria as
the case study. We develop a new approach for adding more security to the current prepaid scratch
card payment approach used for online registrations. We added the use alphanumeric code instead
of serial number, which is cumbersome considering the number of generated scratch cards every
year. In addition, we employ standard security mechanism using MD5 cryptographic hash function
to encrypt the scratch card details saved in the database. This will enhanced the security of the
prepaid scratch card payment system. We describe the current approach and proposed approach
using activity diagram.
Keywords: security; prepaid scratch card; online registration; e-payment; pin number;
alphanumeric code.