Authentication technology methods for E-Commerce applications in Nigeria — a case for biometric digital security contactless palm vein authentication

E-Commerce has become one of the most interesting and beneficial Internet-enabled systems for humanity. E-Commerce has served as an economic enabler and driver for developed countries because of the total adoption by their citizens. However, in Nigeria citizens have rejected E-Commerce due to a lack of trust and inadequate security. This research identifies several factors that lead to distrust of E-Commerce systems in Nigeria. These factors: perceived fear, security, perceived risk, trust, usability, perceived advantage, and use of web assurance seal services are very important for intention to adopt E-Commerce as an online transaction technology. This thesis uses a novel Design Fiction and E-Commerce website simulation methodology to show citizens how new and improved security in E-Commerce could increase those citizens' trust and thus increase their intention to adopt E-Commerce. The research surveys a broad demographic sample of citizens from Nigeria who completed a set of tasks associated with the novel Design Fiction and E-Commerce website simulation followed by a detailed questionnaire. The questionnaire, with associated items, was designed to answer the research questions and hypothesis based on the E-Commerce Adoption Model proposed in the thesis. This new E-Commerce Adoption model is based on the Technology Acceptance Model and uses to comparatively test Digital Signature, Finger Print Identification, and Contactless Palm Vein Authentication technologies in E-Commerce transactions. Results from the survey show that Contactless Palm Vein Authentication leads to greater trust in E-Commerce in Nigeria. The thesis research findings also indicate that new improved security authentication techniques are overdue. The research indicates that poor E-Commerce adoption in Nigeria is mainly due to a key identified factor, which is security. The conceptual model and trust model are developed for E-Commerce adoption in Nigeria. Therefore, it shows that citizens are willing to accept Contactless Palm Vein Authentication as a solution. In particular, the research results also show that there are strong relationships between all the identified factors and citizens’ intention to adopt E-Commerce in Nigeria thus rejecting all null hypotheses

Running Title: Fingerprint Matching Based on Global Comprehensive Similarity

This paper introduces a novel algorithm based on global comprehensive similarity with three steps. To describe the Euclidean space–based relative features among minutiae, we first build a minutia-simplex that contains a pair of minutiae as well as their associated textures, with its transformation-variant and invariant relative features employed for the comprehensive similarity measurement and parameter estimation respectively. By the second step, we use the ridge-based nearest neighbourhood among minutiae to represent the ridge-based relative features among minutiae. With these ridge-based relative features, minutiae are grouped according to their affinity with a ridge. The Euclidean space-based and ridge-based relative features among minutiae reinforce each other in the representation of a fingerprint. Finally, we model the rela-tionship between transformation and the comprehensive similarity between two fingerprints in terms of histogram for initial parameter estimation. Through these steps, our experiment shows that the method mentioned above is both effective and suitable for limited memory AFIS owing to its less than 1k byte template size. Key words: Fingerprint identification; ridge-based nearest neighbourhood among minutiae; relative feature; minutia-simplex 2 1