DETERMINISTIC VERIFICATION OF DIGITAL IDENTITY DOCUMENTSDate:2021-09-17
FLDNet: Light Dense CNN for Fingerprint Liveness Detection
The aim is to enable users to exchange information that can not be disputed afterward. That could be a voice recording that is authenticated to eliminate any doubt that the speaker is what they actually said and prove that it has not been manipulated. To achieve this it is necessary to digitally sign the data and to ensure only the legitimate user can perform the signing. At present, security for mobile banking transactions rests on several parallel approaches: device-based security, such as the unique SIM card within each mobile handset that identifies the customer who owns the phone; know-your-customer requirements and establish their identity to the bank in order to open the account. The weakest link is device-base security. In order to do so, countries need to pursue both broader coverage of cellular networks, and better connectivity in the form of affordable mobile phones and easier access to financial and other types of services. For the banking sector to provide financial services in rural areas, the issues they face include not just coverage and connectivity, but also basic familiarity with banking systems, from training and education in the use of bank accounts to the provision of adequate security measures for users unfamiliar with Pins and passwords and who often have few formal identification documents. It is the security issue that is of particular importance to financial institutions, not just in developing countries but worldwide, led by growing concerns about money laundering and terrorist financing, fraud and consumer protection. An area of rapid development in security systems is the use of biometrics. While fingerprints have long been used in law enforcement, other types of biometrics have largely been the stuff of research and science fiction. As technology improves, the ability to use biometrics for individual applications, particularly in mobile banking, is of great interest to financial institutions seeking secure means of signing up rural customers.
In a bid to boost security in the financial services industry, ISO, the world's largest developer of international standards, recently issued a new biometrics standard for financial firms. Citing the trillions of dollars in daily transactions that
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