Abstract: With the increase of credit card usage, the volume of credit card misuse also has significantly increased, which may cause appreciable financial losses for both credit card holders and financial organizations issuing credit cards. As a result, financial organizations are working hard on developing and deploying credit card fraud detection methods, in order to adapt to ever-evolving, increasingly sophisticated defrauding strategies and identifying illicit transactions as quickly as possible to protect themselves and their customers. Compounding on the complex nature of such adverse strategies, credit card fraudulent activities are rare events compared to the number of legitimate transactions. Hence, the challenge to develop fraud detection that are accurate and efficient is substantially intensified and, as a consequence, credit card fraud detection has lately become a very active area of research. In this work, we provide a survey of current techniques most relevant to the problem of credit card fraud detection. We carry out our survey in two main parts. In the first part, we focus on studies utilizing classical machine learning models, which mostly employ traditional transnational features to make fraud predictions. These models typically rely on some static physical characteristics, such as what the user knows (knowledge-based method), or what he/she has access to (object-based method). In the second part of our survey, we review more advanced techniques of user authentication, which use behavioral biometrics to identify an individual based on his/her unique behavior while he/she is interacting with his/her electronic devices. These approaches rely on how people behave (instead of what they do), which cannot be easily forged. By providing an overview of current approaches and the results reported in the literature, this survey aims to drive the future research agenda for the community in order to develop more accurate, reliable and scalable models of credit card fraud detection.
Abstract: Face is a non-intrusive strong biometrics for
identification of original and dummy facial by different artificial
means. Face recognition is extremely important in the contexts of
computer vision, psychology, surveillance, pattern recognition,
neural network, content based video processing. The availability of a
widespread face database is crucial to test the performance of these
face recognition algorithms. The openly available face databases
include face images with a wide range of poses, illumination, gestures
and face occlusions but there is no dummy face database accessible in
public domain. This paper presents a face detection algorithm based on
the image segmentation in terms of distance from a fixed point and
template matching methods. This proposed work is having the most
appropriate number of nodal points resulting in most appropriate
outcomes in terms of face recognition and detection. The time taken to
identify and extract distinctive facial features is improved in the range
of 90 to 110 sec. with the increment of efficiency by 3%.
Abstract: Eye tracking is a great way to triangulate multiple data sources for deeper, more complete knowledge of how instructional materials are really being used and emotional connections made. Using sensor based biometrics provides a detailed local analysis in real time expanding our ability to collect science based data for a more comprehensive level of understanding, not previously possible, for teaching and learning. The knowledge gained will be used to make future improvements to instructional materials, tools, and interactions. The literature has been examined and a preliminary pilot test was implemented to develop a methodology for research in Instructional Design and Technology. Eye tracking now offers the addition of objective metrics obtained from eye tracking and other biometric data collection with analysis for a fresh perspective.
Abstract: With extensive application, the performance of unimodal biometrics systems has to face a diversity of problems such as signal and background noise, distortion, and environment differences. Therefore, multimodal biometric systems are proposed to solve the above stated problems. This paper introduces a bimodal biometric recognition system based on the extracted features of the human palm print and iris. Palm print biometric is fairly a new evolving technology that is used to identify people by their palm features. The iris is a strong competitor together with face and fingerprints for presence in multimodal recognition systems. In this research, we introduced an algorithm to the combination of the palm and iris-extracted features using a texture-based descriptor, the Scale Invariant Feature Transform (SIFT). Since the feature sets are non-homogeneous as features of different biometric modalities are used, these features will be concatenated to form a single feature vector. Particle swarm optimization (PSO) is used as a feature selection technique to reduce the dimensionality of the feature. The proposed algorithm will be applied to the Institute of Technology of Delhi (IITD) database and its performance will be compared with various iris recognition algorithms found in the literature.
Abstract: DNA data have been used in forensics for decades. However, current research looks at using the DNA as a biometric identity verification modality. The goal is to improve the speed of identification. We aim at using gene data that was initially used for autism detection to find if and how accurate is this data for identification applications. Mainly our goal is to find if our data preprocessing technique yields data useful as a biometric identification tool. We experiment with using the nearest neighbor classifier to identify subjects. Results show that optimal classification rate is achieved when the test set is corrupted by normally distributed noise with zero mean and standard deviation of 1. The classification rate is close to optimal at higher noise standard deviation reaching 3. This shows that the data can be used for identity verification with high accuracy using a simple classifier such as the k-nearest neighbor (k-NN).
Abstract: With the advent of modern computing technology, there is an increased demand for developing recognition systems that have the capability of verifying the identity of individuals. Recognition systems are required by several civilian and commercial applications for providing access to secured resources. Traditional recognition systems which are based on physical identities are not sufficiently reliable to satisfy the security requirements due to the use of several advances of forgery and identity impersonation methods. Recognizing individuals based on his/her unique physiological characteristics known as biometric traits is a reliable technique, since these traits are not transferable and they cannot be stolen or lost. Since the performance of biometric based recognition system depends on the particular trait that is utilized, the present work proposes a fusion approach which combines Inner knuckle print (IKP) trait of the middle, ring and index fingers with the geometrical features of hand. The hand image captured from a digital camera is preprocessed to find finger IKP as region of interest (ROI) and hand geometry features. Geometrical features are represented as the distances between different key points and IKP features are extracted by applying local binary pattern descriptor on the IKP ROI. The decision level AND fusion was adopted, which has shown improvement in performance of the combined scheme. The proposed approach is tested on the database collected at our institute. Proposed approach is of significance since both hand geometry and IKP features can be extracted from the palm region of the hand. The fusion of these features yields a false acceptance rate of 0.75%, false rejection rate of 0.86% for verification tests conducted, which is less when compared to the results obtained using individual traits. The results obtained confirm the usefulness of proposed approach and suitability of the selected features for developing biometric based recognition system based on features from palmar region of hand.
Abstract: For electrocardiogram (ECG) biometrics system, it is a tedious process to pre-install user’s high-intensity heart rate (HR) templates in ECG biometric systems. Based on only resting enrollment templates, it is a challenge to identify human by using ECG with the high-intensity HR caused from exercises and stress. This research provides a heartbeat segment method with slope-oriented neural networks against the ECG morphology changes due to high intensity HRs. The method has overall system accuracy at 97.73% which includes six levels of HR intensities. A cumulative match characteristic curve is also used to compare with other traditional ECG biometric methods.
Abstract: In recent times, the rapid change in new technologies has spurred up the way and manner records are handled in educational institutions. Also, there is a need for reliable access and ease-of use to these records, resulting in increased productivity in organizations. In academic institutions, such benefits help in quality assessments, institutional performance, and assessments of teaching and evaluation methods. Students in educational institutions benefit the most when advanced technologies are deployed in accessing records. This research paper discusses the use of biometric technologies coupled with smartcard technologies to provide a unique way of identifying students and matching their data to financial records to grant them access to restricted areas such as examination halls. The system developed in this paper, has an identity verification component as part of its main functionalities. A systematic software development cycle of analysis, design, coding, testing and support was used. The system provides a secured way of verifying student’s identity and real time verification of financial records. An advanced prototype version of the system has been developed for testing purposes.
Abstract: With the technological development and rise of virtual worlds, these spaces are becoming more and more attractive for cybercriminals, hidden behind avatars and fictitious identities. Since access to these spaces is not restricted or controlled, some impostors take advantage of gaining unauthorized access and practicing cyber criminality. This paper proposes an identity management approach for securing access to virtual worlds. The major purpose of the suggested solution is to install a strong security mechanism to protect virtual identities represented by avatars. Thus, only legitimate users, through their corresponding avatars, are allowed to access the platform resources. Access is controlled by integrating an authentication process based on biometrics. In the request process for registration, a user fingerprint is enrolled and then encrypted into a watermark utilizing a cancelable and non-invertible algorithm for its protection. After a user personalizes their representative character, the biometric mark is embedded into the avatar through a watermarking procedure. The authenticity of the avatar identity is verified when it requests authorization for access. We have evaluated the proposed approach on a dataset of avatars from various virtual worlds, and we have registered promising performance results in terms of authentication accuracy, acceptation and rejection rates.
Abstract: Handwritten signature is accepted widely as a biometric characteristic for personal authentication. The use of appropriate features plays an important role in determining accuracy of signature verification; therefore, this paper presents a feature based on the geometrical concept. To achieve the aim, triangle attributes are exploited to design a new feature since the triangle possesses orientation, angle and transformation that would improve accuracy. The proposed feature uses triangulation geometric set comprising of sides, angles and perimeter of a triangle which is derived from the center of gravity of a signature image. For classification purpose, Euclidean classifier along with Voting-based classifier is used to verify the tendency of forgery signature. This classification process is experimented using triangular geometric feature and selected global features. Based on an experiment that was validated using Grupo de Senales 960 (GPDS-960) signature database, the proposed triangular geometric feature achieves a lower Average Error Rates (AER) value with a percentage of 34% as compared to 43% of the selected global feature. As a conclusion, the proposed triangular geometric feature proves to be a more reliable feature for accurate signature verification.
Abstract: Access to advanced medical services has been one of the medical challenges faced by our present society especially in distant geographical locations which may be inaccessible. Then the need for telemedicine arises through which live videos of a doctor can be streamed to a patient located anywhere in the world at any time. Patients’ medical records contain very sensitive information which should not be made accessible to unauthorized people in order to protect privacy, integrity and confidentiality. This research work focuses on a more robust security measure which is biometric (fingerprint) as a form of access control to data of patients by the medical specialist/practitioner.
Abstract: The inherent skin patterns created at the joints in the
finger exterior are referred as finger knuckle-print. It is exploited to
identify a person in a unique manner because the finger knuckle print
is greatly affluent in textures. In biometric system, the region of
interest is utilized for the feature extraction algorithm. In this paper,
local and global features are extracted separately. Fast Discrete
Orthonormal Stockwell Transform is exploited to extract the local
features. Global feature is attained by escalating the size of Fast
Discrete Orthonormal Stockwell Transform to infinity. Two features
are fused to increase the recognition accuracy. A matching distance is
calculated for both the features individually. Then two distances are
merged mutually to acquire the final matching distance. The
proposed scheme gives the better performance in terms of equal error
rate and correct recognition rate.
Abstract: A relationship between face and signature biometrics
is established in this paper. A new approach is developed to predict
faces from signatures by using artificial intelligence. A multilayer
perceptron (MLP) neural network is used to generate face details
from features extracted from signatures, here face is the physical
biometric and signatures is the behavioural biometric. The new
method establishes a relationship between the two biometrics and
regenerates a visible face image from the signature features.
Furthermore, the performance efficiencies of our new technique are
demonstrated in terms of minimum error rates compared to published
work.
Abstract: In this paper the issue of dimensionality reduction is
investigated in finger vein recognition systems using kernel Principal
Component Analysis (KPCA). One aspect of KPCA is to find the
most appropriate kernel function on finger vein recognition as there
are several kernel functions which can be used within PCA-based
algorithms. In this paper, however, another side of PCA-based
algorithms -particularly KPCA- is investigated. The aspect of
dimension of feature vector in PCA-based algorithms is of
importance especially when it comes to the real-world applications
and usage of such algorithms. It means that a fixed dimension of
feature vector has to be set to reduce the dimension of the input and
output data and extract the features from them. Then a classifier is
performed to classify the data and make the final decision. We
analyze KPCA (Polynomial, Gaussian, and Laplacian) in details in
this paper and investigate the optimal feature extraction dimension in
finger vein recognition using KPCA.
Abstract: Recent growth in digital multimedia technologies has presented a lot of facilities in information transmission, reproduction and manipulation. Therefore, the concept of information security is one of the superior articles in the present day situation. The biometric information security is one of the information security mechanisms. It has the advantages as well as disadvantages. The biometric system is at risk to a range of attacks. These attacks are anticipated to bypass the security system or to suspend the normal functioning. Various hazards have been discovered while using biometric system. Proper use of steganography greatly reduces the risks in biometric systems from the hackers. Steganography is one of the fashionable information hiding technique. The goal of steganography is to hide information inside a cover medium like text, image, audio, video etc. through which it is not possible to detect the existence of the secret information. Here in this paper a new security concept has been established by making the system more secure with the help of steganography along with biometric security. Here the biometric information has been embedded to a skin tone portion of an image with the help of proposed steganographic technique.
Abstract: Fragile watermarking has been proposed as a means
of adding additional security or functionality to biometric systems,
particularly for authentication and tamper detection. In this paper
we describe an experimental study on the effect of watermarking
iris images with a particular class of fragile algorithm, reversible
algorithms, and the ability to correctly perform iris recognition.
We investigate two scenarios, matching watermarked images
to unmodified images, and matching watermarked images to
watermarked images. We show that different watermarking schemes
give very different results for a given capacity, highlighting the
importance ofinvestigation. At high embedding rates most algorithms
cause significant reduction in recognition performance. However,
in many cases, for low embedding rates, recognition accuracy is
improved by the watermarking process.
Abstract: The multimodal biometric identification is the combination of several biometric systems; the challenge of this combination is to reduce some limitations of systems based on a single modality while significantly improving performance. In this paper, we propose a new approach to the construction and the protection of a multimodal biometric database dedicated to an identification system. We use a topological watermarking to hide the relation between face image and the registered descriptors extracted from other modalities of the same person for more secure user identification.
Abstract: The Choquet integral is a tool for the information fusion that is very effective in the case where fuzzy measures associated with it are well chosen. In this paper, we propose a new approach for calculating fuzzy measures associated with the Choquet integral in a context of data fusion in multimodal biometrics. The proposed approach is based on genetic algorithms. It has been validated in two databases: the first base is relative to synthetic scores and the second one is biometrically relating to the face, fingerprint and palmprint. The results achieved attest the robustness of the proposed approach.
Abstract: Multimodal biometric systems integrate the data presented by multiple biometric sources, hence offering a better performance than the systems based on a single biometric modality. Although the coupling of biometric systems can be done at different levels, the fusion at the scores level is the most common since it has been proven effective than the rest of the fusion levels. However, the scores from different modalities are generally heterogeneous. A step of normalizing the scores is needed to transform these scores into a common domain before combining them. In this paper, we study the performance of several normalization techniques with various fusion methods in a context relating to the merger of three unimodal systems based on the face, the palmprint and the fingerprint. We also propose a new adaptive normalization method that takes into account the distribution of client scores and impostor scores. Experiments conducted on a database of 100 people show that the performances of a multimodal system depend on the choice of the normalization method and the fusion technique. The proposed normalization method has given the best results.
Abstract: In this paper, an efficient method for personal identification based on the pattern of human iris is proposed. It is composed of image acquisition, image preprocessing to make a flat iris then it is converted into eigeniris and decision is carried out using only reduction of iris in one dimension. By comparing the eigenirises it is determined whether two irises are similar. The results show that proposed method is quite effective.