Maintaining consumer confidence in electronic payment mechanisms

Credit card fraud is already a significant factor inhibiting consumer confidence in e-commerce. As more advanced payment systems become common, what legal and technological mechanisms are required to ensure that fraud does not do long-term damage to consumers' willingness to use electronic payment mechanisms

Fingerprint Verification Using Spectral Minutiae Representations

Most fingerprint recognition systems are based on the use of a minutiae set, which is an unordered collection of minutiae locations and orientations suffering from various deformations such as translation, rotation, and scaling. The spectral minutiae representation introduced in this paper is a novel method to represent a minutiae set as a fixed-length feature vector, which is invariant to translation, and in which rotation and scaling become translations, so that they can be easily compensated for. These characteristics enable the combination of fingerprint recognition systems with template protection schemes that require a fixed-length feature vector. This paper introduces the concept of algorithms for two representation methods: the location-based spectral minutiae representation and the orientation-based spectral minutiae representation. Both algorithms are evaluated using two correlation-based spectral minutiae matching algorithms. We present the performance of our algorithms on three fingerprint databases. We also show how the performance can be improved by using a fusion scheme and singular points

Postmortem iris recognition and its application in human identification

Iris recognition is a validated and non-invasive human identification technology currently implemented for the purposes of surveillance and security (i.e. border control, schools, military). Similar to deoxyribonucleic acid (DNA), irises are a highly individualizing component of the human body. Based on a lack of genetic penetrance, irises are unique between an individual’s left and right iris and between identical twins, proving to be more individualizing than DNA. At this time, little to no research has been conducted on the use of postmortem iris scanning as a biometric measurement of identification. The purpose of this pilot study is to explore the use of iris recognition as a tool for postmortem identification. Objectives of the study include determining whether current iris recognition technology can locate and detect iris codes in postmortem globes, and if iris scans collected at different postmortem time intervals can be identified as the same iris initially enrolled. Data from 43 decedents involving 148 subsequent iris scans demonstrated a subsequent match rate of approximately 80%, supporting the theory that iris recognition technology is capable of detecting and identifying an individual’s iris code in a postmortem setting. A chi-square test of independence showed no significant difference between match outcomes and the globe scanned (left vs. right), and gender had no bearing on the match outcome. There was a significant relationship between iris color and match outcome, with blue/gray eyes yielding a lower match rate (59%) compared to brown (82%) or green/hazel eyes (88%), however, the sample size of blue/gray eyes in this study was not large enough to draw a meaningful conclusion. An isolated case involving an antemortem initial scan collected from an individual on life support yielded an accurate identification (match) with a subsequent scan captured at approximately 10 hours postmortem. Falsely rejected subsequent iris scans or "no match" results occurred in about 20% of scans; they were observed at each PMI range and varied from 19-30%. The false reject rate is too high to reliably establish non-identity when used alone and ideally would be significantly lower prior to implementation in a forensic setting; however, a "no match" could be confirmed using another method. Importantly, the data showed a false match rate or false accept rate (FAR) of zero, a result consistent with previous iris recognition studies in living individuals. The preliminary results of this pilot study demonstrate a plausible role for iris recognition in postmortem human identification. Implementation of a universal iris recognition database would benefit the medicolegal death investigation and forensic pathology communities, and has potential applications to other situations such as missing persons and human trafficking cases