@misc{alamleh2023secure,
  title={Secure Mobile Payment Architecture Enabling Multi-factor Authentication},
  author={Hosam Alamleh and Ali Abdullah S. AlQahtani and Baker Al Smadi},
  year={2023},
  eprint={2304.09468},
  archivePrefix={arXiv},
  primaryClass={cs.CR},
  url={https://arxiv.org/abs/2304.09468}
}