A Cryptographic Approach to Privacy-Preserving Credit Card Security Using PFYHD-CVV and KYM-ECC

Venkatesh Kumar M; C. Lakshmi

doi:https://doi.org/10.14445/22315381/IJETT-V74I4P106

Research Article | Open Access | Download PDF

Volume 74 | Issue 4 | Year 2026 | Article Id. IJETT-V74I4P106 | DOI : https://doi.org/10.14445/22315381/IJETT-V74I4P106

A Cryptographic Approach to Privacy-Preserving Credit Card Security Using PFYHD-CVV and KYM-ECC

Venkatesh Kumar M, C. Lakshmi

Received	Revised	Accepted	Published
04 Aug 2025	05 Feb 2026	12 Feb 2026	29 Apr 2026

Citation :

Venkatesh Kumar M, C. Lakshmi, "A Cryptographic Approach to Privacy-Preserving Credit Card Security Using PFYHD-CVV and KYM-ECC," International Journal of Engineering Trends and Technology (IJETT), vol. 74, no. 4, pp. 69-86, 2026. Crossref, https://doi.org/10.14445/22315381/IJETT-V74I4P106

Abstract

In today’s digital world, secure Credit Card Transactions (CCT) are crucial, especially over a wireless network. None of the existing works overcame the web skimming and shoulder surfing attacks during CCT. Hence, this paper proposes a novel Permutation Fisher-Yates Hexadecimal Card Verification Value (PFYHD-CVV)-based CCV generation to avoid web skimming and shoulder surfing attacks during CCT. Primarily, the customer registers on the E-commerce application. Here, by using the PFYHD-CVV technique, the 3-digit Card Verification Value (CVV) is dynamically generated. Next, the public and private keys are generated using the Kaplan-Yorke Map-Elliptic Curve Cryptographic (KYM-ECC) method. Then, utilizing the eXclusive OR Merchant Product-identification-Menezes-Qu-Vanstone (XORMP-MQV) method, the secret key is created. Then, the merchant-product legitimacy is authenticated using the Entropy Inverse Message Digest 5 Digital Signature Algorithm (EIMD5-DSA. Also, the payment processing webpage’s Internet Protocol (IP) address is spoofed via Right Shift 2’s Complement (RS2C). Lastly, credit card details are encrypted using the KYM-ECC. Therefore, the proposed work performs secured CCT with a security level of 98.8564%, showing better performance than the prevailing works.

Keywords

Secure Wireless Payment Protocol, IP Spoofing, Data Privacy Preservation, Digital Signature Algorithm, Authentication.

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