Behavioral Biometrics for Adaptive Authentication in Digital Banking - Guard Against Flawless Privacy

Sahdev, Supriya Lamba; Singh, Saurabh; Kaur, Navleen; Siddiqui, Laraibe

doi:10.1109/iciptm52218.2021.9388364

Cited by 5 publications

(4 citation statements)

References 13 publications

Supporting

Mentioning

Contrasting

Order By: Relevance

“…[42] The authors proposed an MFA method using username/password, user biometrics (fingerprint or facial recognition), and device identification (IP address, cookies, or digital certificate). [43] The authors in this study suggest the usage of mobile screen swipe and touch data for user authentication. [44] The authors in this study proposed using the device's MAC address and mobile International Mobile Equipment (IMEI) as a user authentication method in online banking.…”

Section: Yearmentioning

confidence: 92%

“…For instance, if a bank's biometric database is breached, hackers may have access to all of the bank's clientele's biometric information. Some people are also concerned about their biometric data being collected and stored by the banks or other groups [43]. It is the duty of banks using BBA to safeguard the privacy of the biometric information about their clients.…”

Section: ) User Privacy Challengementioning

confidence: 99%

See 1 more Smart Citation

Online Banking User Authentication Methods: A Systematic Literature Review

Karim,

Khashan,

Kanaker

et al. 2024

IEEE Access

View full text Add to dashboard Cite

Online banking has become increasingly popular in recent years, making it a target for cyberattacks. Banks have implemented various user authentication methods to protect their customers' online accounts. This paper reviews the state-of-the-art user authentication methods used in online banking and potential cyber threats. This paper starts by exploring different user authentication methods, such as knowledge-based authentication (KBA), biometrics-based authentication (BBA), possession-based authentication (PBA), and other methods. The advantages and disadvantages of each user authentication method are then discussed. Furthermore, the paper discusses the various cyber threats that can compromise user authentication for online banking systems, such as malware attacks, social engineering, phishing attacks, man-in-the-middle (MiTM) attacks, denial of service (DoS) attacks, session hijacking, weak passwords, keyloggers, SQL injection, and replay attacks. Also, the paper explores the user authentication methods used by popular banks, which can provide insights into best practices for safeguarding online banking accounts and future user authentication methods in online banking and cyber threats. It states that the increasing use of BBA, two-factor authentication (2FA), and multi-factor authentication (MFA) will help improve the security of online banking systems. However, the paper also warns that new cyber challenges will emerge, and banks need to be vigilant in protecting their customers' online banking accounts.

show abstract

Section: Yearmentioning

confidence: 92%

Section: ) User Privacy Challengementioning

confidence: 99%

Online Banking User Authentication Methods: A Systematic Literature Review

Karim,

Khashan,

Kanaker

et al. 2024

IEEE Access

View full text Add to dashboard Cite

show abstract

“…For more information, see https://creativecommons.org/licenses/by-nc-nd/4.0/ security, and surveillance [10]. Furthermore, these SBB traits can be widely applied in digital banking [11], online fraud detection [12], [13], trustworthiness detection in social media [14], [15], sexual predators detection [16], understanding psychological states [17], mental illness prediction [18], and early depression detection [19]. Human micro-expression, also referred to as expressive emotion, is the behavioral reactions a person elicits to their day-to-day interactions in a social context.…”

Section: Introductionmentioning

confidence: 99%

Human Micro-Expression: A Novel Social Behavioral Biometric for Person Identification

et al. 2023

View full text Add to dashboard Cite

The reliance on Online Social Networks (OSN) for both formal and informal social interactions has dramatically changed the way people communicate. In this paper, a novel Social Behavioral Biometric (SBB), human micro-expression, is introduced for person identification. An emotion detection model is developed to extract emotion probability scores from person's writing samples posted on Twitter. The corresponding emotion-progression features are extracted using an original technique that turns users' microblogs into emotion-progression signals. Finally, a novel social behavioral biometric system that leverages rank-level weighted majority voting to achieve an accurate person identification is implemented. The proposed system is validated on a proprietary benchmark dataset consisting of 250 Twitter users. The experimental results convincingly demonstrate that the proposed social behavioral biometric, human microexpression, possesses a strong distinguishable ability and can be used for person identification. The study further reveals that the proposed social behavioral biometric outperforms all the original SBB traits.

show abstract

“…Harnessing these social behavioral biometrics offers potential avenues for bolstering cyberspace security and surveillance [12]. Moreover, SBB traits have found diverse applications in areas such as digital banking [13], spam detection online [14,15], assessing trustworthiness in social media [16,17], identifying sexual predators [18], detecting cyberbullying [19], exploring psychological states [20], predicting mental health conditions [21], and facilitating the early detection of depression [22].…”

Section: Introductionmentioning

confidence: 99%

Human Micro-Expressions in Multimodal Social Behavioral Biometrics

Wahid,

Bari,

Gavrilova

2023

Sensors

View full text Add to dashboard Cite

The advent of Social Behavioral Biometrics (SBB) in the realm of person identification has underscored the importance of understanding unique patterns of social interactions and communication. This paper introduces a novel multimodal SBB system that integrates human micro-expressions from text, an emerging biometric trait, with other established SBB traits in order to enhance online user identification performance. Including human micro-expression, the proposed method extracts five other original SBB traits for a comprehensive representation of the social behavioral characteristics of an individual. Upon finding the independent person identification score by every SBB trait, a rank-level fusion that leverages the weighted Borda count is employed to fuse the scores from all the traits, obtaining the final identification score. The proposed method is evaluated on a benchmark dataset of 250 Twitter users, and the results indicate that the incorporation of human micro-expression with existing SBB traits can substantially boost the overall online user identification performance, with an accuracy of 73.87% and a recall score of 74%. Furthermore, the proposed method outperforms the state-of-the-art SBB systems.

show abstract

Behavioral Biometrics for Adaptive Authentication in Digital Banking - Guard Against Flawless Privacy

Cited by 5 publications

References 13 publications

Online Banking User Authentication Methods: A Systematic Literature Review

Online Banking User Authentication Methods: A Systematic Literature Review

Human Micro-Expression: A Novel Social Behavioral Biometric for Person Identification

Human Micro-Expressions in Multimodal Social Behavioral Biometrics

Contact Info

Product

Resources

About