Cryptography Details
=====================

Here is a high-level description of how this library works. Any discrepancy
between this documentation and the actual implementation will be considered
a security bug.

Let's start with the following definitions:

- HKDF-SHA256(*k*, *n*, *info*, *s*) is the key derivation function specified in
  RFC 5869 (using the SHA256 hash function). The parameters are:
    - *k*: The initial keying material.
    - *n*: The number of output bytes.
    - *info*: The info string.
    - *s*: The salt.
- AES-256-CTR(*m*, *k*, *iv*) is AES-256 encryption in CTR mode. The parameters
  are:
    - *m*: An arbitrary-length (possibly zero-length) message.
    - *k*: A 32-byte key.
    - *iv*: A 16-byte initialization vector (nonce).
- PBKDF2-SHA256(*p*, *s*, *i*, *n*) is the password-based key derivation
  function defined in RFC 2898 (using the SHA256 hash function). The parameters
  are:
    - *p*: The password string.
    - *s*: The salt string.
    - *i*: The iteration count.
    - *n*: The output length in bytes.
- VERSION is the string `"\xDE\xF5\x02\x00"`.
- AUTHINFO is the string `"DefusePHP|V2|KeyForAuthentication"`.
- ENCRINFO is the string `"DefusePHP|V2|KeyForEncryption"`.

To encrypt a message *m* using a 32-byte key *k*, the following steps are taken:

1. Generate a random 32-byte string *salt*.
2. Derive the 32-byte authentication key *akey* = HKDF-SHA256(*k*, 32, AUTHINFO, *salt*).
3. Derive the 32-byte encryption key *ekey* = HKDF-SHA256(*k*, 32, ENCRINFO, *salt*).
4. Generate a random 16-byte initialization vector *iv*.
5. Compute *c* = AES-256-CTR(*m*, *ekey*, *iv*).
6. Combine *ctxt* = VERSION || *salt* || *iv* || *c*.
7. Compute *h* = HMAC-SHA256(*ctxt*, *akey*).
8. Output *ctxt* || *h*.

Decryption is roughly the reverse process (see the code for details, since the
security of the decryption routine is highly implementation-dependent).

For encryption using a password *p*, steps 1-3 above are replaced by:

1. Generate a random 32-byte string *salt*.
2. Compute *k* = PBKDF2-SHA256(SHA256(*p*), *salt*, 100000, 32).
3. Derive the 32-byte authentication key *akey* = HKDF-SHA256(*k*, 32, AUTHINFO, *salt*)
4. Derive the 32-byte encryption key *ekey* = HKDF-SHA256(*k*, 32, ENCRINFO, *salt*)

The remainder of the process is the same. Notice the reuse of the same *salt*
for PBKDF2-SHA256 and HKDF-SHA256. The prehashing of the password in step 2 is
done to prevent a [DoS attack using long
passwords](https://github.com/defuse/php-encryption/issues/230).

For `KeyProtectedByPassword`, the serialized key is encrypted according to the
password encryption defined above. However, the actual password used for
encryption is the SHA256 hash of the password the user provided. This is done in
order to provide domain separation between the message encryption in the user's
application and the internal key encryption done by this library. It fixes
a [key replacement chosen-protocol
attack](https://github.com/defuse/php-encryption/issues/240).

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About Section

About NFC Pay: Our Story and Mission

NFC Pay was founded with a vision to transform the way people handle transactions. Our journey is defined by a commitment to innovation, security, and convenience. We strive to deliver seamless, user-friendly payment solutions that make everyday transactions effortless and secure. Our mission is to empower you to pay with ease and confidence, anytime, anywhere.

• Simplifying Payments, One Tap at a Time.
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FAQ Section

Frequently Asked Questions About NFC Pay

Here are answers to some common questions about NFC Pay. We aim to provide clear and concise information to help you understand how our platform works and how it can benefit you. If you have any further inquiries, please don’t hesitate to contact our support team.

How do I register for NFC Pay?

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Is my payment information secure?

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Can I add multiple cards to my NFC Pay wallet?

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What should I do if I forget my PIN?

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Can I track my payment status?

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