A multi-layer of multi factors authentication model for online banking services

2013 INTERNATIONAL CONFERENCE ON COMPUTING, ELECTRICAL AND ELECTRONIC ENGINEERING (ICCEEE) Pub Date : 2013-10-17 DOI:10.1109/ICCEEE.2013.6633936

M. Mohammed, Muna Elsadig

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引用次数: 27

Abstract

The security risks of Internet banking have always been a concern to the service providers and users. In this work we analyze user authentication methods being used in various online environments, such as internet banking, electronic transactions and financial services, to identify the characteristics and issues of such authentication methods in order to present a user authentication level system model suitable for different online services. We integrated multi factor authentication with multi layer authentication techniques in order to produce a standard layered multi factor authentication model suitable for different internet banking services based on risk assessment criteria. The produced model consist of 5 level in which each level contain a one or combination of authentication factors such as knowledge based, possession-based or Biometric-based factors. The model then enhanced by adding control information factors, specifically for levels (4, 5), in order to support layering needs. Our paper suggests standard model compared to multi layering guidelines and it shows improvement and fulfillment of authentication needs.

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一种面向网上银行服务的多层多因素认证模型

网上银行的安全风险一直是服务提供商和用户关注的问题。在这项工作中，我们分析了各种在线环境中使用的用户认证方法，如网上银行、电子交易和金融服务，以确定这些认证方法的特点和问题，以便提出适合不同在线服务的用户认证级系统模型。将多因素认证技术与多层认证技术相结合，基于风险评估标准，建立了适合不同互联网银行业务的标准分层多因素认证模型。生成的模型由5个级别组成，其中每个级别包含一个或多个认证因素，例如基于知识的、基于所有权的或基于生物特征的因素。然后，通过添加控制信息因素(特别是级别(4,5))来增强模型，以支持分层需求。本文提出了标准模型，并与多层准则进行了比较，证明了标准模型对认证需求的改进和满足。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

2013 INTERNATIONAL CONFERENCE ON COMPUTING, ELECTRICAL AND ELECTRONIC ENGINEERING (ICCEEE)

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