10,012 research outputs found
Face Off: An Examination of State Biometric Privacy Statutes & Data Harm Remedies
As biometric authentication becomes an increasingly popular method of security among consumers, only three states currently have statutes detailing how such data may be collected, used, retained, and released. The Illinois Biometric Information Privacy Act is the only statute of the three that enshrines a private right of action for those who fail to properly handle biometric data. Both the Texas Capture or Use Biometric Identifier Act Information Act and the Washington Biometric Privacy Act allow for state Attorneys General to bring suit on behalf of aggrieved consumers. This Note examines these three statutes in the context of data security and potential remedies for victims of data breaches or mishandled data. Ultimately, this Note makes policy proposals for future biometric privacy statutes, particularly recommending a private right of action as the most effective remedy for victims of biometric data breaches
Critical success factors for preventing E-banking fraud
E-Banking fraud is an issue being experienced globally and is continuing to prove costly to both banks and customers. Frauds in e-banking services occur as a result of various compromises in security ranging from weak authentication systems to insufficient internal controls. Lack of research in this area is problematic for practitioners so there is need to conduct research to help improve security and prevent stakeholders from losing confidence in the system. The purpose of this paper is to understand factors that could be critical in strengthening fraud prevention systems in electronic banking. The paper reviews relevant literatures to help identify potential critical success factors of frauds prevention in e-banking. Our findings show that beyond technology, there are other factors that need to be considered such as internal controls, customer education and staff education etc. These findings will help assist banks and regulators with information on specific areas that should be addressed to build on their existing fraud prevention systems
Practical Schemes For Privacy & Security Enhanced RFID
Proper privacy protection in RFID systems is important. However, many of the
schemes known are impractical, either because they use hash functions instead
of the more hardware efficient symmetric encryption schemes as a efficient
cryptographic primitive, or because they incur a rather costly key search time
penalty at the reader. Moreover, they do not allow for dynamic, fine-grained
access control to the tag that cater for more complex usage scenarios.
In this paper we investigate such scenarios, and propose a model and
corresponding privacy friendly protocols for efficient and fine-grained
management of access permissions to tags. In particular we propose an efficient
mutual authentication protocol between a tag and a reader that achieves a
reasonable level of privacy, using only symmetric key cryptography on the tag,
while not requiring a costly key-search algorithm at the reader side. Moreover,
our protocol is able to recover from stolen readers.Comment: 18 page
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Trusted integration of cloud-based NFC transaction players
Near Field Communication (NFC) is a short range wireless technology that provides contactless transmission of data between devices. With an NFC enabled device, users can exchange information from one device to another, make payments and use their NFC enabled device as their identity. As the main payment ecosystem players such as service providers and secure element issuers have crucial roles in a multi-application mobile environment similar to NFC, managing such an environment has become very challenging. One of the technologies that can be used to ensure secure NFC transaction is cloud computing which offers wide range of advantages compare to the use of a Secure Element (SE) as a single entity in an NFC enabled phone. This approach provides a comprehensive leadership of the cloud provider towards managing and controlling customer's information where it allows the SE which is stored within an NFC phone to deal with authentication mechanisms rather than storing and managing sensitive transaction information. This paper discusses the NFC cloud Wallet model which has been proposed by us previously [1] and introduces a different insight that defines a new integrated framework based on a trusted relationship between the vendor and the Mobile Network Operator (MNO). We then carry out an analysis of such a relationship to investigate different possibilities that arise from this approach
A proposed NFC payment application
This article has been made available through the Brunel Open Access Publishing Fund. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.Near Field Communication (NFC) technology is based on a short range radio communication channel which enables users to exchange data between devices. With NFC technology, mobile services establish a contactless transaction system to make the payment methods easier for people. Although NFC mobile services have great potential for growth, they have raised several issues which have concerned the researches and prevented the adoption of this technology within societies. Reorganizing and describing what is required for the success of this technology have motivated us to extend the current NFC ecosystem models to accelerate the development of this business area. In this paper, we introduce a new NFC payment application, which is based on our previous “NFC Cloud Wallet” model [1] to demonstrate a reliable structure of NFC ecosystem. We also describe the step by step execution of the proposed protocol in order to carefully analyse the payment application and our main focus will be on the Mobile Network Operator (MNO) as the main player within the ecosystem
A Decentralised Digital Identity Architecture
Current architectures to validate, certify, and manage identity are based on
centralised, top-down approaches that rely on trusted authorities and
third-party operators. We approach the problem of digital identity starting
from a human rights perspective, with a primary focus on identity systems in
the developed world. We assert that individual persons must be allowed to
manage their personal information in a multitude of different ways in different
contexts and that to do so, each individual must be able to create multiple
unrelated identities. Therefore, we first define a set of fundamental
constraints that digital identity systems must satisfy to preserve and promote
privacy as required for individual autonomy. With these constraints in mind, we
then propose a decentralised, standards-based approach, using a combination of
distributed ledger technology and thoughtful regulation, to facilitate
many-to-many relationships among providers of key services. Our proposal for
digital identity differs from others in its approach to trust in that we do not
seek to bind credentials to each other or to a mutually trusted authority to
achieve strong non-transferability. Because the system does not implicitly
encourage its users to maintain a single aggregated identity that can
potentially be constrained or reconstructed against their interests,
individuals and organisations are free to embrace the system and share in its
benefits.Comment: 30 pages, 10 figures, 3 table
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