Mobile Payment Authentication using QR Codes Based on Combined DCT-DWT Digital Watermarking Scheme

Mobile Payment Authentication is a crucial component for ensuring the security of digital financial transactions in today’s world. It is imperative to explore innovative approaches to enhance transaction security, mitigating the risk of fraudulent activity and unauthorized access to customer data. However, current research falls short of providing adequate solutions for these issues. This study introduces a new approach to Mobile Payment authentication by integrating QR codes with the DCTDWT Digital Watermarking Scheme. Our method involves the embedding of data into images using the combined DCT-DWT watermarking scheme. To assess the effectiveness of our proposed method, we evaluate it using three key metrics: Mean Squared Error (MSE), Peak Signal-to-Noise Ratio (PSNR), and Structural Similarity Index (SSIM). The DCT-DWT scheme yields values of 65.41 MSE, 33.89 PSNR, and 0.64 SSIM for the embedded data. Additionally, this research investigates the extraction of watermarking data from images. The experimental results indicate that the proposed method achieves an MSE of 0.34, a high PSNR value of 52.71, and an outstanding SSIM score of 0.99. This research significantly contributes to the advancement of mobile payment authentication by introducing an innovative approach that combines QR codes with DCT-DWT digital watermarking. The low MSE values and high PSNR and SSIM values following watermark extraction underscore the feasibility and robustness of our method in enhancing the security of mobile payment transactions.