Multi-Factor Authentication and Fingerprint-based Debit Card System
One thing can be said to be common to all forms of debit card fraud – authentication bypass. This implies that a secure debit card transaction system can only be guaranteed by a safe and reliable authentication system. Many approaches have been adopted to ensure a secure authentication system, but o...
| Main Authors: | , |
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| Format: | Article |
| Language: | English |
| Published: |
Universidade do Porto
2019-11-01
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| Series: | U.Porto Journal of Engineering |
| Subjects: | |
| Online Access: | https://journalengineering.fe.up.pt/article/view/145 |
| _version_ | 1828483463772110848 |
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| author | Mubarak Adetunji Ojewale Patrick Meumeu Yomsi |
| author_facet | Mubarak Adetunji Ojewale Patrick Meumeu Yomsi |
| author_sort | Mubarak Adetunji Ojewale |
| collection | DOAJ |
| description | One thing can be said to be common to all forms of debit card fraud – authentication bypass. This implies that a secure debit card transaction system can only be guaranteed by a safe and reliable authentication system. Many approaches have been adopted to ensure a secure authentication system, but often, these approaches are either focused on the Automated Teller Machines (ATM)/Point of Sales (POS) terminals or Online/e-commerce transactions, thus not providing full security on both fronts. In this work, we address this problem by adopting a multi-factor debit card system that uses a combination of the traditional Personal Identification Number code (PIN) and the mobile-phone delivered One-Time Password (OTP) with a biometric authentication option (fingerprint). We demonstrate that this approach ensures the security of both online and terminal transactions. The fingerprint option makes it easy to use by people who find memorizing PINs difficult. |
| first_indexed | 2024-12-11T08:36:03Z |
| format | Article |
| id | doaj.art-1c5ddf1fdadd4c50be6cf0d478f5dc41 |
| institution | Directory Open Access Journal |
| issn | 2183-6493 |
| language | English |
| last_indexed | 2024-12-11T08:36:03Z |
| publishDate | 2019-11-01 |
| publisher | Universidade do Porto |
| record_format | Article |
| series | U.Porto Journal of Engineering |
| spelling | doaj.art-1c5ddf1fdadd4c50be6cf0d478f5dc412022-12-22T01:14:20ZengUniversidade do PortoU.Porto Journal of Engineering2183-64932019-11-0152192810.24840/2183-6493_005.002_0003145Multi-Factor Authentication and Fingerprint-based Debit Card SystemMubarak Adetunji Ojewale0Patrick Meumeu Yomsi1CISTER, ISEP; Universidade do PortoCISTER, ISEPOne thing can be said to be common to all forms of debit card fraud – authentication bypass. This implies that a secure debit card transaction system can only be guaranteed by a safe and reliable authentication system. Many approaches have been adopted to ensure a secure authentication system, but often, these approaches are either focused on the Automated Teller Machines (ATM)/Point of Sales (POS) terminals or Online/e-commerce transactions, thus not providing full security on both fronts. In this work, we address this problem by adopting a multi-factor debit card system that uses a combination of the traditional Personal Identification Number code (PIN) and the mobile-phone delivered One-Time Password (OTP) with a biometric authentication option (fingerprint). We demonstrate that this approach ensures the security of both online and terminal transactions. The fingerprint option makes it easy to use by people who find memorizing PINs difficult.https://journalengineering.fe.up.pt/article/view/145debit cardsauthenticationfingerprintotp |
| spellingShingle | Mubarak Adetunji Ojewale Patrick Meumeu Yomsi Multi-Factor Authentication and Fingerprint-based Debit Card System U.Porto Journal of Engineering debit cards authentication fingerprint otp |
| title | Multi-Factor Authentication and Fingerprint-based Debit Card System |
| title_full | Multi-Factor Authentication and Fingerprint-based Debit Card System |
| title_fullStr | Multi-Factor Authentication and Fingerprint-based Debit Card System |
| title_full_unstemmed | Multi-Factor Authentication and Fingerprint-based Debit Card System |
| title_short | Multi-Factor Authentication and Fingerprint-based Debit Card System |
| title_sort | multi factor authentication and fingerprint based debit card system |
| topic | debit cards authentication fingerprint otp |
| url | https://journalengineering.fe.up.pt/article/view/145 |
| work_keys_str_mv | AT mubarakadetunjiojewale multifactorauthenticationandfingerprintbaseddebitcardsystem AT patrickmeumeuyomsi multifactorauthenticationandfingerprintbaseddebitcardsystem |