SECURE ELECTRONIC TRANSACTION SYSTEMDate:2021-09-10
Big Test Set for Biometrics. (cover story)
It has been showed that, by employing fake fingers, the existing fingerprint recognition systems may be easily deceived. So, there is an urgent need for improving their security. Software-based liveness detection algorithms typically exploit morphological and perspiration-based characteristics separately to measure the vitality. Both such features provide discriminant information about live and fake fingers, then, it is reasonable to investigate also their joint contribution. In this paper, we combine a set of the most robust morphological and perspiration-based measures. The effectiveness of the proposed approach has been assessed through a comparison with several state-of-the-art techniques for liveness detection. Experiments have been carried out, for the first time, by adopting standard databases. They have been taken from the Liveness Detection Competition 2009 whose data have been acquired by using three different optical sensors. Further, we have analyzed how the performance of our algorithm changes when the material employed for the spoof attack is not available during the training of the system.
A system, method, and computer program to reduce incorrectly declined transactions and improve risk calculation accuracy by reducing error probability during fraud detection. The tool first receives at least one data element as well as transaction account data and/or financial transaction instrument data. Then a customer is determined from a first record associated with the transaction account data and/or financial transaction instrument data. A record search is performed to identify at least one additional record associated with the customer. Finally, the data element is compared to the information contained in the additional record to create a comparison result that verifies a customer address. The comparison result may be used as an input to transaction risk calculations. The comparison result may also be provided to a merchant system and/or merchant for use in a decision-making process, for example, to verify customer identity.
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