Online security pointing at fingerprints

In just one year almost ten million American adults were victims of identity fraud/theft. Over 12 months this activity cost the US $52.6 billion. With hackers and fraudsters becoming more aggressive and sophisticated isn’t it about time that banks and financial institutions consider how biometrics really can help in the war against identity theft fraud?

When signing into online banking you are asked for a series of unique codes created by you or the bank. Each organisation has different ways in which they will ask for this information – whether it be the whole code or just several random digits from it. A customer is usually asked for their date of birth or a memorable word they have chosen. Once this information is given the customer has full access to their account details, balance and many other things as well as the option to transfer funds. Although the information may be unique to the person it is not hard for other people to find these questions out and simply have full access to your account details. Banks know that their customers’ account login information can be vulnerable and they seek to improve security, but can they do more now?

UK and international banks have added additional security measures for their online banking customers. For example HSBC gives all of their customers the choice of downloading Rapport, their personal anti-virus software which authenticates websites and their security certificates and warns you if they are unsafe before you submit your password. Barclays, NatWest and Lloyds have given all internet banking customers ‘card readers’ meaning that the card being used to transfer money has to be entered into this and the customer has to enter their pin number before any money can be transferred. Many customers see these as an inconvenience but agree to use them because they believe they are using their personal details more securely.

With all these security measures in place why are there still high levels of identity theft and fraudulent activities happening? It’s simple because pin numbers, card readers, secret answers and unique codes can all be stolen.  Thieves will continue to find ways around even the strongest of security measures except the only thing that can’t be stolen, you. By finding the genuine article of authentication there will be no need for pins, codes and questions – only your fingerprint.

Which of these seems the likeliest to protect your information securely?

·         Something you may know – a pin code, a sequence of numbers and letters, a password?

·         Something you may have – an ID card, a token, a passport?

·         Something you are – a fingerprint, your voice, your signature?

A fingerprint, a voice, a signature can be copied, but with effective sensor and reading technology forged copies can be detected and rejected. The Connective Touch range of fingerprint reading solutions from Global Bio Tec can identify a forged or fake fingerprint and will deny access to fraudsters and thieves.

The logical application linked to governmental imperatives to minimise welfare benefit fraud is to consider introducing fingerprint biometrics to make sure that welfare payments are paid to those who are entitled to them. The savings on fraud and administration costs could be immense!

Could biometrics help protect the old and isolated during big freezes?

As ice, snow and sub-zero temperatures continue to grip the UK one important question raises its head again, could we being doing more to protect the elderly and vulnerable in their homes?

Death rates amongst the elderly and vulnerable have shot up rapidly as some succumb to the effects of cold on their health, worries of using heating due to rising costs and lack of contact with family, friends, neighbours and carers. Would a simple to use fingerprint biometric system help to support their safety and security by allowing them to show they have gotten up, are active during the day and gone to bed safely?

A long held dream of Devi Sohanta is to help the elderly and vulnerable to live fuller and safer lives by applying biometrics to help keep contact, maintain security and give these people peace of mind. Devi set up Global Bio Tec to develop technology that could easily go into homes, residential care settings and sheltered housing projects etc. and be simply used by people. After thorough testing and approval by the Secure By Design accreditation programme the Connective Touch range of biometric fingerprint access and communication systems are on the market.

Could a web-enabled biometric fingerprint pad help to connect old people and those who need monitoring by carers in a cheap and effective way that will bring them help promptly if needed and add extra security for their lives?

Are Biometric ATM Machines The Answer To Identity Theft?

Skimming involves the use of devices that fit on the ATM card slot and read information off a card’s magnetic strip. A small camera on or around the ATM records PINs as customers press the keypad.

Skimming is the latest threat in the identity theft war. Two men in Chicago have recently been arrested for rigging bank ATMs. ATM’s that usually have a fake cover or card slot put into them are more often found more commonly in stand-alone ATM’s or ATM’s in convenience stores.  In an article on tampabay.com John Joyce, special agent in charge of the US Secret Service Tampa field office advises, “Use legitimate bank ATMs. If possible go inside the bank and use the one inside the bank.”

But should we take after Poland’s BPS SA bank who set a European, and Western milestone, by installing a biometric ATM in Warsaw? Given the financial situations in Greece, Spain and Portugal in recent weeks the Euro Zone has plenty of reasons to be down on itself but Poland is showing a financial-sector first this week, becoming the first European country to install a biometric ATM.

The machine reads your fingerprint as opposed to the magnetic strip on a cash card. All that is needed to withdraw money and access personal information is your fingerprint and your pin number. Is this the answer to identity fraud involving ATMs?

The biometric ATM has been designed to only accept the fingerprint of a living human being. This makes it impossible for people to use a copy. As shown in many movies and often mentioned in tests of biometric devices a copy of a fingerprint, fake hand containing the fingerprint of someone else, or in extreme cases the hand or finger of a dead person cannot be used. Not only do these machines take a copy of the fingerprint they also detect the pulse from the finger which is recorded with the image.

The sensor technology employed by Global Bio Tec in its Connective Touch range of fingerprint

reading access control systems can't be fooled as it takes a scan several layers underneath the skin. The fingerprint often associated with criminality is turned the tables on those engaged in identity theft. 

Do the eyes have it? – maybe not on their own

Manchester Airport has announced a trial of retinal scanning for ‘volunteer’ passengers checking in. The retinal scanning technology is proven and is difficult to fool, although eye diseases can change the retina over time. The issues up for discussion are is it too intrusive, having a light beam shone into your eyes for ten seconds or so could be for some people, is it too expensive and what other systems should be in place to work with retinal scanning?

Fingerprint biometrics are being used in airport security and access control applications all over the world and could be a useful compliment to retinal scanning and other biometric human recognition checks. But, you may believe that fingerprint biometric systems are too easily duped? Perhaps in the past they have been ‘fooled’ as a story from Japan in early 2009 suggested. In that case some ‘special tape’ had been used by a woman with a false passport and a track record of illegal entry to the country to get through immigration controls which included a fingerprint scanner. This may suggest the sensor technology in the Japanese system was not up to scratch.

The new Connective Touch range of fingerprint scanning solutions offer a capacitive sensor that will pinpoint the ridges and valleys of the skin which it reads and then verifies down to four layers below the skin. The company believes that it will still produce a reliable fingerprint scan even if the fingerprint has outer damage from burn scarring etc. Its sensor contains tens of thousands of small capacitive plates, measuring extremely weak electrical charges that are created by the finger. This non-optical measurement generates and stores a 3D fingerprint template which has to be exactly matched by the person who created it. It can’t be fooled by fake fingerprints according to Connective Touch developers Global Bio Tec.

Shopping with Biometrics for France & Germany.

In France the high-street bank ‘Accord’ has been granted permission by the French data Protection Authorities to start a six-month trial into the new biometric payment system. The bank, owned by ‘Auchan’ will offer the service to a number of its current account holders and biometric readers will be installed into a number of French ‘hypermarkets’. Customers start the process by registering their finger data securely with their bank. Once they have ended their shopping they simply touch the finger scanner at the check-out which confirms the buyer’s identity and they amount is then debited from their account. German supermarket Edeka has also been using biometric technology since 2007. (Source: www.connexionfrance.com) 

With this technology in place all over the world there would be no problems of lost payment cards, identity theft or fraud, cards being blocked when you’ve forgotten to warn your bank you are travelling abroad etc. Could biometric technology be the answer?

Could biometric technology could put an end to the frantic searching for keys whilst stood outside in the pouring rain? Could it be the answer to “Did I leave the door unlocked?” “Where did I leave my purse?” “How did I spend that much this month?” 

New age biometrics for old age.

As we all know, biometrics applications are moving into many facets our daily lives. Joanne Perry, Alvolution Demonstrator, has been demonstrating the new secure biometric entry device ‘Flexi’ from Global Bio Tec to healthcare professionals, social care professionals and care home managers.

Reading the headline New Biometric Technology Can Change Lives for the Elderly made me consider how it could really change the lives of older folk. I’m unsure whether my almost 90 year old grandparents would be able to cope with this technology? After thinking about it I realised that maybe it maybe wouldn’t be so complicated for them, they are rather ‘tech-savvy’ for their age. They have their own computer, wireless internet and use Skype to talk to relations abroad.

Living near Croydon for most of their lives they are aware of the high local crime rate and fear of crime really concerns them. Maybe the Flexi could help them feel safer in their own home?

Looking further into it biometrics are being used to help aid the elderly with a range of issues from identity fraud through to much simpler things like ‘Where have I put my keys?’

Care homes and sheltered housing are perfect examples of how biometrics can be safer and support residents to combat fraud and theft. With each room/apartment fitted with a biometric finger print scanner there would be little chance of any personal belongings going missing or people wondering into the wrong rooms when doors have been left unlocked.

Should we be doing more to help the elderly improve their quality of life through biometrics?