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While traditional authentication mechanisms provide a baseline for NFC payment security, they fail to adequately address evolving data breach risks posed by sophisticated attack vectors.
Emerging NFC security frameworks claim to offer higher levels of protection through advanced cryptography, formal verification, and multi-factor authentication, yet their comparative effectiveness across different platforms and against diverse threat models has not been comprehensively quantified.
This creates uncertainty for payment providers, regulators, and consumers when selecting or endorsing specific architectures.
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IEEE/ICACT20260106 Slide.04
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