Phishing – the threat of internet banking

The attractiveness of Internet banking, the dynamics and the integration with e-business is still growing. The current use of electronic banking is defined by cyberspace and abused in the form of cyber terrorism as well. Therefore it is in the interest of all banks to focus on minimizing the real attacks. This article analyzes and compares the current possibilities against so-called phishing and identifies the area of the safe use of Internet banking in terms of the current potential threats in this area

Bio : A Mulrimodal biometric authentication system for person identification and verification

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Multi-Modal Biometrics: Applications, Strategies and Operations

The need for adequate attention to security of lives and properties cannot be over-emphasised. Existing approaches to security management by various agencies and sectors have focused on the use of possession (card, token) and knowledge (password, username)-based strategies which are susceptible to forgetfulness, damage, loss, theft, forgery and other activities of fraudsters. The surest and most appropriate strategy for handling these challenges is the use of naturally endowed biometrics, which are the human physiological and behavioural characteristics. This paper presents an overview of the use of biometrics for human verification and identification. The applications, methodologies, operations, integration, fusion and strategies for multi-modal biometric systems that give more secured and reliable human identity management is also presented

Generic multimodal biometric fusion

Biometric systems utilize physiological or behavioral traits to automatically identify individuals. A unimodal biometric system utilizes only one source of biometric information and suffers from a variety of problems such as noisy data, intra-class variations, restricted degrees of freedom, non-universality, spoof attacks and unacceptable error rates. Multimodal biometrics refers to a system which utilizes multiple biometric information sources and can overcome some of the limitation of unimodal system. Biometric information can be combined at 4 different levels: (i) Raw data level; (ii) Feature level; (iii) Match-score level; and (iv) Decision level. Match score fusion and decision fusion have received significant attention due to convenient information representation and raw data fusion is extremely challenging due to large diversity of representation. Feature level fusion provides a good trade-off between fusion complexity and loss of information due to subsequent processing. This work presents generic feature information fusion techniques for fusion of most of the commonly used feature representation schemes. A novel concept of Local Distance Kernels is introduced to transform the available information into an arbitrary common distance space where they can be easily fused together. Also, a new dynamic learnable noise removal scheme based on thresholding is used to remove shot noise in the distance vectors. Finally we propose the use of AdaBoost and Support Vector Machines for learning the fusion rules to obtain highly reliable final matching scores from the transformed local distance vectors. The integration of the proposed methods leads to large performance improvement over match-score or decision level fusion

Fusion of fingerprint presentation attacks detection and matching: a real approach from the LivDet perspective

The liveness detection ability is explicitly required for current personal verification systems in many security applications. As a matter of fact, the project of any biometric verification system cannot ignore the vulnerability to spoofing or presentation attacks (PAs), which must be addressed by effective countermeasures from the beginning of the design process. However, despite significant improvements, especially by adopting deep learning approaches to fingerprint Presentation Attack Detectors (PADs), current research did not state much about their effectiveness when embedded in fingerprint verification systems. We believe that the lack of works is explained by the lack of instruments to investigate the problem, that is, modelling the cause-effect relationships when two systems (spoof detection and matching) with non-zero error rates are integrated. To solve this lack of investigations in the literature, we present in this PhD thesis a novel performance simulation model based on the probabilistic relationships between the Receiver Operating Characteristics (ROC) of the two systems when implemented sequentially. As a matter of fact, this is the most straightforward, flexible, and widespread approach. We carry out simulations on the PAD algorithms’ ROCs submitted to the editions of LivDet 2017-2019, the NIST Bozorth3, and the top-level VeriFinger 12.0 matchers. With the help of this simulator, the overall system performance can be predicted before actual implementation, thus simplifying the process of setting the best trade-off among error rates. In the second part of this thesis, we exploit this model to define a practical evaluation criterion to assess whether operational points of the PAD exist that do not alter the expected or previous performance given by the verification system alone. Experimental simulations coupled with the theoretical expectations confirm that this trade-off allows a complete view of the sequential embedding potentials worthy of being extended to other integration approaches

Recent Application in Biometrics

In the recent years, a number of recognition and authentication systems based on biometric measurements have been proposed. Algorithms and sensors have been developed to acquire and process many different biometric traits. Moreover, the biometric technology is being used in novel ways, with potential commercial and practical implications to our daily activities. The key objective of the book is to provide a collection of comprehensive references on some recent theoretical development as well as novel applications in biometrics. The topics covered in this book reflect well both aspects of development. They include biometric sample quality, privacy preserving and cancellable biometrics, contactless biometrics, novel and unconventional biometrics, and the technical challenges in implementing the technology in portable devices. The book consists of 15 chapters. It is divided into four sections, namely, biometric applications on mobile platforms, cancelable biometrics, biometric encryption, and other applications. The book was reviewed by editors Dr. Jucheng Yang and Dr. Norman Poh. We deeply appreciate the efforts of our guest editors: Dr. Girija Chetty, Dr. Loris Nanni, Dr. Jianjiang Feng, Dr. Dongsun Park and Dr. Sook Yoon, as well as a number of anonymous reviewers