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Title |
BioPay: Your Fingerprint is Your Credit Card |
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Author |
Fahad Alsolami |
| Citation |
Vol. 25 No. 12 pp. 33-38 |
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Abstract |
In recent years, credit and debit cards have become a very con- venient method of payment. The growing use of card pay- ments, hereafter referred to as credit cards, is evident in the daily use with many applications, such as withdrawing money from an Automated Teller Machine (ATM) and making pay- ments in a store. Online payment has been very common these days, where the transaction is made across a great distance, al- lowing for online shopping. This has increased chance of credit cards experiencing a risk of cybersecurity attacks, particularly if the transaction amount is big enough. Another problem that arises is the potential fraud should a thief try to impersonate the credit card owners identity. To overcome these obstacles, we propose a BioPay scheme that uses the fingerprint biotoken to replace the current plastic credit card. The BioPay scheme uses the biometric data (fingerprint), revocable fingerprint bioto- kens (Biotope), and Bipartite token to provide high authenti- cation, non-repudiation, security and privacy for all payment transactions including money withdrawal from an ATM. The BioPay scheme collects biometric data (i.e. fingerprint) from users and embeds four-digit authentication numbers inside the encoding biometric data (i.e. fingerprint), finally distributing them over clouds. In the payment/withdrawal process, a user provides his/her fingerprint to complete the transaction. Bio- Pay scheme insures that the transaction process performs on an encrypted form to provide security and privacy for the cus- tomers bank information. Our experiment shows that BioPay has comparable accuracy and significant performance gain for performing the transaction process. |
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Keywords |
BioPay, Fingerprint, . Automated Teller Machine (ATM), security and privacy |
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