Leveraging COBIT5 in NFC-based payment technology: challenges and opportunities for security risk mitigation and audit
Bibliographic record
Abstract
Near field communication (NFC) payment technology was expected to revolutionize businesses, yet presents major challenges relating to security and assurance in the Canadian payment ecosystem. This paper suggest some of the best practices in various frameworks for Risks and Assurance management in implementing NFC-based payment technology (NFC-BPT). The NFC-BPT risks and threats are analyzed in conjunction with justified risks data from Canadian NFC Mobile Payment Reference Model (Canadian NFC-MPRM). The output of the analyzed risk is mapped to COBIT5 (Control objective for Information and Related Technology) for Risk and COBIT5 for Assurance processes through which, a comprehensive assurance steps will be obtained on data security, fraud, theft and malware for payment credential issuers and acquirers.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.013 | 0.022 |
| Meta-epidemiology (narrow) | 0.001 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.001 |
| Bibliometrics | 0.004 | 0.003 |
| Science and technology studies | 0.003 | 0.003 |
| Scholarly communication | 0.010 | 0.007 |
| Open science | 0.002 | 0.004 |
| Research integrity | 0.002 | 0.003 |
| Insufficient payload (model declined to judge) | 0.003 | 0.001 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".