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All Journal Sinkron : Jurnal dan Penelitian Teknik Informatika
Moehammad Ramadhoni
Universitas Pradita
Computer Science & IT

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Zero Knowledge Proof for SNAP (Standar Nasional OPEN API Pembayaran) in Indonesia Moehammad Ramadhoni; Handri Santoso
Sinkron : jurnal dan penelitian teknik informatika Vol. 8 No. 3 (2023): Article Research Volume 8 Issue 3, July 2023
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/sinkron.v8i3.12423

Abstract

SNAP (Standar Nasional OPEN API Pembayaran) is an implementation of open banking for encouraging digital transformation in the banking industry. SNAP was submitted by several sub-working groups formed jointly by ASPI and the Bank of Indonesia. In the document Pedoman Tata Kelola (Bank of Indonesia, n.d.), there is already a customer data protection mechanism between the bank, the owner of Open API, and the user of Open API. However, there is no data protection process carried out by consumers so third parties, that use the Open API of the bank, do not need to know the customer's data. Based on the web3 protocol, users can store data and transmit only in encrypted form which can only be opened by calculating the data with a pre-agreed smart contract. Banks can work like a decentralized network on web3, where the process of calculating proof and witness is carried out by the bank. Proof and witness are calculated using a zero-knowledge proof protocol, making it difficult to duplicate. For this reason, we propose a new architecture using smart contracts between banks and customers using the ZK-SNARK method. Therefore, there is no significant performance difference between using ZK-SNARK and without ZK-SNARK in the API call process.
Performance Comparison between Signature Cryptography: A Case Study on SNAP Indonesia Moehammad Ramadhoni; Handri Santoso
Sinkron : jurnal dan penelitian teknik informatika Vol. 8 No. 4 (2023): Article Research Volume 8 Issue 4, October 2023
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/sinkron.v8i4.12819

Abstract

SNAP (Standar Nasional OPEN API Pembayaran) was submitted by several sub-working groups formed jointly by ASPI and the Bank of Indonesia for encouraging digital transformation in the banking industry. In the document Pedoman Tata Kelola (Bank of Indonesia, n.d.), there is the use cryptographic algorithms that are used as validation for third parties to use the Open API. The algorithms used in the document are HMAC and RSA. The third party will send the signature in the API header along with the sent API payload. The signature describes the body payload, the endpoint URL that was called by the third party, and the time when the API call was made, so the signature will change all the time. However, there are other algorithms that can be used as a form of validation, such as ECC and ZK-SNARK. In this journal, the performance of the four cryptographic algorithms is compared. The performance we compare is overall speed when creating the signature and verifying it. The result is that HMAC is the most efficient algorithm, but for financial data, it is better to use ECC which uses asymmetric keys and is faster than RSA contained in the SNAP document, especially when 256 bits security level that ECC could be 10 times faster then RSA.
Co-Authors Handri Santoso