Towards Electronic Identification and Trusted Services for Biometric Authenticated Transactions in the Single Euro Payments Area

Abstract

Abstract. On 14th October 2013 the European Parliament Committee on Industry, Research and Energy (ITRE) paved the way on the regulation and harmonisation for electronic identification, authentication and trust services (eIDAS) between EU member states. This upcoming regulation will ensure mutual recognition and acceptance of electronic identification across borders, which also provides an opportunity to establish trusted electronic transactions in the Single Euro Payments Area (SEPA). The contribution of the presented paper is twofold: on the one hand we discuss the adaption of the upcoming eIDAS standard towards trusted banking transactions and outline resulting security and privacy enhancements; on the other hand we extend the eIDAS standard by biometric authenticated transactions which not only boost user convenience, trust and confidence towards eBanking and eBusiness, but suggest to integrate state-of-the-art privacy compliant biometric technologies into the security ecosystem, which is promoted by both, the European Payment Council (EPC) and the European Banking Union (EBU). As a result we identify eIDAS as highly suitable for banking transactions since it is solely based on security protocols and infrastructure which have been for more than ten years proven secure in the civil aviation domain.

A Survey on Multimodal Biometrics and the Protection of Their Templates

“…In this work, we have presented a concrete approach on the protection of multimodal biometric templates, underlying critical privacy issues, while focusing on the suggestions for future research. Multimodal biometric systems are mostly discussed for the impact of their use on publicly accepted, reliable identification systems [31], [53], overcoming the obstacles of uni-modal ones.…”

“…The conducted tests demonstrate advantages, while introducing new tasks. The evaluation of a complete biometric system is a complex issue and requires stronger user involvement for feature level schemes [31]. Compact multibiometric templates need to be generated, offering, in this way, an improved concrete content of information.…”

“…Template Protection can be simply described as a straightforward and novel cryptographic construction. Biometrics can be found where personal information is employed to authenticate users, and here the readings are inherently noisy, not only because of their nature, but also, because of the pattern recognition techniques [14], [31]. However, such architectures have been used in a number of real-world, error-prone environments.…”

User-Adapted Web Services by Extending the eIDAS Specification with Functional Attributes

“…The authors in [29,30] investigated fields such as e-banking, analyzing current threats and the adaption of the eIDAS standard towards trusted banking transactions. Specifically, the work of [30] extended the eIDAS definition to biometrically authenticated transactions. The authors identified eIDAS as highly suitable for banking transactions due to its security protocols and infrastructure.…”