Abstract: Online shopping Payment scheme is one of the popular in recent years. Attackers often aim at stealing such customer data by targeting the Point of Sale (for short, PoS) system, i.e. the point at which a retailer first acquires customer data. In many scenarios malware that can steal card data as soon as they are read by the device has flourished. As such, in cases where customer and vendor are persistently or intermittently disconnected from the network, no secure on-line payment is possible. This paper describes FRoDO, a secure off-line micro-payment solution that is resilient to PoS data breaches. FRoDO is the first solution that can provide secure fully off-line payments while being resilient to all currently known PoS breaches.

Keywords: Fraud resilience, secure payments, PoS system, Architecture.