nach oben

Erschienen in:

2019 | OriginalPaper | Buchkapitel

Behavioral Biometrics in Mobile Banking and Payment Applications

verfasst von : Piotr Kałużny

Erschienen in: Business Information Systems Workshops

Verlag: Springer International Publishing

Einloggen

Aktivieren Sie unsere intelligente Suche, um passende Fachinhalte oder Patente zu finden.

search-config

KI-gestützte Suche

Aus

Abstract

This paper presents an overview on the possible use of behavioral biometrics methods in mobile banking and payment applications. As mobile applications became more common, more and more users conduct payments using their smartphones. While requiring secure services, the customers often do not lock their devices and expose them to potential misuse and theft. Banks and financial institutions apply multiple anti-fraud and authentication systems - but to ensure the required usability, they must develop new ways to authenticate their users and authorize transactions. Answer to this problem comes with a family of behavioral biometric methods which can be utilized to secure those applications without hindering the usability. The goal of this paper is to describe potential areas in which behavioral biometrics can be used to ensure more secure mobile payments, increase usability and prevent frauds.

Sie haben noch keine Lizenz? Dann Informieren Sie sich jetzt über unsere Produkte:

Springer Professional "Wirtschaft+Technik"

Online-Abonnement

Mit Springer Professional "Wirtschaft+Technik" erhalten Sie Zugriff auf:

über 102.000 Bücher
über 537 Zeitschriften

aus folgenden Fachgebieten:

Automobil + Motoren
Bauwesen + Immobilien
Business IT + Informatik
Elektrotechnik + Elektronik
Energie + Nachhaltigkeit
Finance + Banking
Management + Führung
Marketing + Vertrieb
Maschinenbau + Werkstoffe
Versicherung + Risiko

Jetzt Wissensvorsprung sichern!

Jetzt informieren

Springer Professional "Technik"

Online-Abonnement

Mit Springer Professional "Technik" erhalten Sie Zugriff auf:

über 67.000 Bücher
über 390 Zeitschriften

aus folgenden Fachgebieten:

Automobil + Motoren
Bauwesen + Immobilien
Business IT + Informatik
Elektrotechnik + Elektronik
Energie + Nachhaltigkeit
Maschinenbau + Werkstoffe

Jetzt Wissensvorsprung sichern!

Jetzt informieren

Springer Professional "Wirtschaft"

Online-Abonnement

Mit Springer Professional "Wirtschaft" erhalten Sie Zugriff auf:

über 67.000 Bücher
über 340 Zeitschriften

aus folgenden Fachgebieten:

Bauwesen + Immobilien
Business IT + Informatik
Finance + Banking
Management + Führung
Marketing + Vertrieb
Versicherung + Risiko

Jetzt Wissensvorsprung sichern!

Jetzt informieren

Vorheriges Kapitel Supply Chain Modelling Using Data Science

Nächstes Kapitel Modelling of Risk and Reliability of Maritime Transport Services

https://blikmobile.pl/en/.

Profile of movement, based on unique traits that identify walk pattern specific for a user.

Actually, the question of the extent of this privacy threatening behavior is always a trade-off, as banks e.g. keep customer actions which also contain potentially private information but if this information is used for fraud detection and widely accepted among users.

GSMA Intelligence: The mobile economy 2018 (2018). https://www.gsma.com/mobileeconomy/wp-content/uploads/2018/02/The-Mobile-Economy-Global-2018.pdf. Accessed 05 July 2018

Deloitte Center for Financial Services: 2018 banking outlook (2018). https://www2.deloitte.com/global/en/pages/financial-services/articles/gx-banking-industry-outlook.html. Accessed 05 July 2018

Visa: Annual digital payments study Europe 2017 (2017). https://www.visaeurope.com/media/pdf/45377.pdf. Accessed 05 July 2018

Visa: Annual digital payments study Poland 2016 (2016). https://resources.mynewsdesk.com/image/upload/thv1p2ep6thuchr66z6m.pdf. Accessed 05 July 2018

Fridman, L., Weber, S., Greenstadt, R., Kam, M.: Active authentication on mobile devices via stylometry, application usage, web browsing, and GPS location. IEEE Syst. J. 11(2), 513–521 (2017)CrossRef

Hevner, A.R., March, S.T., Park, J., Ram, S.: Design science in information systems research. MIS Q. 28(1), 75–105 (2004)CrossRef

Saeed, K.: Biometrics principles and important concerns. In: Saeed, K., Nagashima, T. (eds.) Biometrics and Kansei Engineering, pp. 3–20. Springer, New York (2012). https://doi.org/10.1007/978-1-4614-5608-7_1CrossRef

Crawford, H., Renaud, K.: Understanding user perceptions of transparent authentication on a mobile device. J. Trust Manag. 1(1), 7 (2014)CrossRef

Kałużny, P.: Behavioural profiling authentication based on trajectory based anomaly detection model of user’s mobility. In: Abramowicz, W. (ed.) BIS 2017. LNBIP, vol. 303, pp. 242–254. Springer, Cham (2017). https://doi.org/10.1007/978-3-319-69023-0_21CrossRef

10.

Gascon, H., Uellenbeck, S., Wolf, C., Rieck, K.: Continuous authentication on mobile devices by analysis of typing motion behavior. In: Sicherheit, pp. 1–12. Citeseer (2014)

11.

Li, F., Clarke, N., Papadaki, M., Dowland, P.: Active authentication for mobile devices utilising behaviour profiling. Int. J. Inf. Secur. 13(3), 229–244 (2014)CrossRef

12.

Milton, L.C., Memon, A.: Intruder detector: a continuous authentication tool to model user behavior. In: 2016 IEEE Conference on Intelligence and Security Informatics (ISI), pp. 286–291. IEEE (2016)

13.

Shi, E., Niu, Y., Jakobsson, M., Chow, R.: Implicit authentication through learning user behavior. In: Burmester, M., Tsudik, G., Magliveras, S., Ilić, I. (eds.) ISC 2010. LNCS, vol. 6531, pp. 99–113. Springer, Heidelberg (2011). https://doi.org/10.1007/978-3-642-18178-8_9CrossRef

14.

Gupta, S., Buriro, A., Crispo, B.: Demystifying authentication concepts in smartphones: ways and types to secure access. Mob. Inf. Syst. 2018 (2018). https://www.hindawi.com/journals/misy/2018/2649598/cta/

15.

Saevanee, H., Clarke, N.L., Furnell, S.M.: Multi-modal behavioural biometric authentication for mobile devices. In: Gritzalis, D., Furnell, S., Theoharidou, M. (eds.) SEC 2012. IAICT, vol. 376, pp. 465–474. Springer, Heidelberg (2012). https://doi.org/10.1007/978-3-642-30436-1_38CrossRef

16.

Bailey, K.O., Okolica, J.S., Peterson, G.L.: User identification and authentication using multi-modal behavioral biometrics. Comput. Secur. 43, 77–89 (2014)CrossRef

17.

Telesign: Beyond the password: the future of account security (2016). https://www.telesign.com/wp-content/uploads/2016/06/Telesign-Report-Beyond-the-Password-June-2016-1.pdf. Accessed 10 Sept 2016

18.

Buriro, A., Crispo, B., Del Frari, F., Klardie, J., Wrona, K.: ITSME: multi-modal and unobtrusive behavioural user authentication for smartphones. In: Stajano, F., Mjølsnes, S.F., Jenkinson, G., Thorsheim, P. (eds.) PASSWORDS 2015. LNCS, vol. 9551, pp. 45–61. Springer, Cham (2016). https://doi.org/10.1007/978-3-319-29938-9_4CrossRef

19.

Xu, H., Zhou, Y., Lyu, M.R.: Towards continuous and passive authentication via touch biometrics: an experimental study on smartphones. In: Symposium on Usable Privacy and Security, SOUPS, vol. 14, pp. 187–198 (2014)

20.

Kayacik, H.G., Just, M., Baillie, L., Aspinall, D., Micallef, N.: Data driven authentication: on the effectiveness of user behaviour modelling with mobile device sensors. arXiv preprint arXiv:1410.7743 (2014)

21.

Ehatisham-ul Haq, M., Azam, M.A., Naeem, U., Amin, Y., Loo, J.: Continuous authentication of smartphone users based on activity pattern recognition using passive mobile sensing. J. Netw. Comput. Appl. 109, 24–35 (2018)CrossRef

22.

Wang, X., Yu, T., Zeng, M., Tague, P.: XRec: behavior-based user recognition across mobile devices. Proc. ACM Interact. Mob. Wearable Ubiquit. Technol. 1(3) (2017). Article no. 111. https://portalparts.acm.org/3140000/3139486/fm/frontmatter.pdf?

23.

Alzubaidi, A., Kalita, J.: Authentication of smartphone users using behavioral biometrics. IEEE Commun. Surv. Tutor. 18(3), 1998–2026 (2016)CrossRef

24.

Guerra-Casanova, J., Sánchez-Ávila, C., Bailador, G., de Santos Sierra, A.: Authentication in mobile devices through hand gesture recognition. Int. J. Inf. Secur. 11(2), 65–83 (2012)CrossRef

25.

Bo, C., Zhang, L., Li, X.Y., Huang, Q., Wang, Y.: SilentSense: silent user identification via touch and movement behavioral biometrics. In: Proceedings of the 19th Annual International Conference on Mobile Computing & Networking, pp. 187–190. ACM (2013)

26.

Li, L., Zhao, X., Xue, G.: Unobservable re-authentication for smartphones. In: NDSS, pp. 1–16 (2013)

27.

Ngoc Diep, N., Pham, C., Minh Phuong, T.: SigVer3D: accelerometer based verification of 3-D signatures on mobile devices. In: Nguyen, V.-H., Le, A.-C., Huynh, V.-N. (eds.) Knowledge and Systems Engineering. AISC, vol. 326, pp. 353–365. Springer, Cham (2015). https://doi.org/10.1007/978-3-319-11680-8_28CrossRef

28.

Sultana, M., Paul, P.P., Gavrilova, M.: A concept of social behavioral biometrics: motivation, current developments, and future trends. In: 2014 International Conference on Cyberworlds (CW), pp. 271–278. IEEE (2014)

29.

Saevanee, H., Clarke, N., Furnell, S., Biscione, V.: Text-based active authentication for mobile devices. In: Cuppens-Boulahia, N., Cuppens, F., Jajodia, S., Abou El Kalam, A., Sans, T. (eds.) SEC 2014. IAICT, vol. 428, pp. 99–112. Springer, Heidelberg (2014). https://doi.org/10.1007/978-3-642-55415-5_9CrossRef

30.

Damaševičius, R., Maskeliūnas, R., Venčkauskas, A., Woźniak, M.: Smartphone user identity verification using gait characteristics. Symmetry 8(10) (2016). https://doi.org/10.3390/sym8100100CrossRef

31.

Zahid, S., Shahzad, M., Khayam, S.A., Farooq, M.: Keystroke-based user identification on smart phones. In: Kirda, E., Jha, S., Balzarotti, D. (eds.) RAID 2009. LNCS, vol. 5758, pp. 224–243. Springer, Heidelberg (2009). https://doi.org/10.1007/978-3-642-04342-0_12CrossRef

32.

Shahzad, M., Liu, A.X., Samuel, A.: Secure unlocking of mobile touch screen devices by simple gestures: you can see it but you can not do it. In: Proceedings of the 19th Annual International Conference on Mobile Computing & Networking, pp. 39–50. ACM (2013)

33.

Zou, L., He, Q., Feng, X.: Cell phone verification from speech recordings using sparse representation. In: 2015 IEEE International Conference on Acoustics, Speech and Signal Processing (ICASSP), pp. 1787–1791. IEEE (2015)

34.

Bayometric: Top five biometrics: face, fingerprint, iris, palm and voice. https://www.bayometric.com/biometrics-face-finger-iris-palm-voice/. Accessed 27 Aug 2012

35.

Alotaibi, S., Furnell, S., Clarke, N.: Transparent authentication systems for mobile device security: a review. In: 2015 10th International Conference for Internet Technology and Secured Transactions (ICITST), pp. 406–413. IEEE (2015)

36.

Wójtowicz, A., Joachimiak, K.: Model for adaptable context-based biometric authentication for mobile devices. Pers. Ubiquit. Comput. 20(2), 195–207 (2016)CrossRef

37.

Ayed, M.B.: Method for adaptive authentication using a mobile device. US Patent 8,646,060, 4 Feb 2014

38.

Giuffrida, C., Majdanik, K., Conti, M., Bos, H.: I sensed it was you: authenticating mobile users with sensor-enhanced keystroke dynamics. In: Dietrich, S. (ed.) DIMVA 2014. LNCS, vol. 8550, pp. 92–111. Springer, Cham (2014). https://doi.org/10.1007/978-3-319-08509-8_6CrossRef

Titel: Behavioral Biometrics in Mobile Banking and Payment Applications
verfasst von: Piotr Kałużny
Verlag: Springer International Publishing
Buch: Business Information Systems Workshops
Print ISBN: 978-3-030-04848-8

Electronic ISBN: 978-3-030-04849-5

Copyright-Jahr: 2019
DOI: https://doi.org/10.1007/978-3-030-04849-5_55

Springer Professional

Abstract

Bitte loggen Sie sich ein, um Zugang zu Ihrer Lizenz zu erhalten.

Sie haben noch keine Lizenz? Dann Informieren Sie sich jetzt über unsere Produkte:

Springer Professional "Wirtschaft+Technik"

Springer Professional "Technik"

Springer Professional "Wirtschaft"