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Auflistung nach Schlagwort "Banking"

1 - 5 von 5
  • Konferenzbeitrag
    Biometric Transaction Authentication using Smartphones
    (BIOSIG 2018 - Proceedings of the 17th International Conference of the Biometrics Special Interest Group, 2018) Stokkenes, Martin; Ramachandra, Raghavendra; Busch, Christoph
    Secure and robust authentication of users and customers is critical, as an increasing number of services from banks, health and government sectors are made available to people as online services. Recent development in the area of biometrics, e.g. biometric systems in smartphones, has contributed to higher adoption of the technology as a viable authentication factor in modern systems. In this work, we propose an approach for authenticating transactions in an online bank by using a combination of Bloom filters and error correcting codes. Firstly, protected biometric templates, using Bloom filters, are generated from faces detected in images captured using smartphones. Secondly, a key, shared between a smartphone and a bank server, is encoded using error correcting codes. The encoded key is then secured in the smartphone using the protected biometric templates. Authentication of a banking transaction is realised by unlocking the secured key with a protected biometric template that is close to the template used to lock the key. Experiments are performed on a database consisting of images and videos captured using an iPhone 6S.
  • Zeitschriftenartikel
    Hybrid Customer Interaction
    (Business & Information Systems Engineering: Vol. 57, No. 1, 2015) Nüesch, Rebecca; Alt, Rainer; Puschmann, Thomas
  • Zeitschriftenartikel
    KYC Optimization Using Distributed Ledger Technology
    (Business & Information Systems Engineering: Vol. 59, No. 6, 2017) Parra Moyano, José; Ross, Omri
    The know-your-customer (KYC) due diligence process is outdated and generates costs of up to USD 500 million per year per bank. The authors propose a new system, based on distributed ledger technology (DLT), that reduces the costs of the core KYC verification process for financial institutions and improves the customer experience. In the proposed system, the core KYC verification process is only conducted once for each customer, regardless of the number of financial institutions with which that customer intends to work. Thanks to DLT, the result of the core KYC verification can be securely shared by customers with all the financial institutions that they intend to work with. This system allows for efficiency gains, cost reduction, improved customer experience, and increased transparency throughout the process of onboarding a customer.
  • Konferenzbeitrag
    LVT Face Database: A benchmark database for visible and hidden face biometrics
    (BIOSIG 2023, 2023) Nélida Mirabet-Herranz, Jean-Luc Dugelay
    Although the estimation of eHealth parameters from face visuals (images and videos) has grown as a major area of research in the past years, deep-learning-based models are still challenged by RGB lack of robustness, for instance with changing illumination conditions. As a means to overcome these limitations and to unlock new opportunities, thermal imagery has arisen as a favorable alternative to solidify different technologies such as heart rate estimation from faces. However, the reduced number of databases containing thermal imagery and the lack of health annotation of the subjects in them limits the exploration of this spectrum. Motivated by this, in this paper, we present our Label-EURECOM Visible and Thermal (LVT) Face Database for face biometrics. This database is the first that contains paired visible and thermal images and videos from 52 subjects with metadata of 22 soft biometrics and health parameters. Moreover, we establish the first study introducing the potential of thermal images for weight estimation from faces on our database.
  • Textdokument
    A Reference Architecture for On-Premises Chatbots in Banks and Public Institutions
    (INFORMATIK 2021, 2021) Koch, Christian; Linnik, Benjamin; Pelzel, Frank; Sultanow,Eldar; Welter, Sebastian; Cox, Sean
    Chatbots have the potential to significantly increase the efficiency of banks and public institutions. Both sectors, however, are subject to special regulations and restrictions in areas such as information security and data protection. The policies of these organizations therefore, in some cases, reject the use of cloud and proprietary products because in their view they lack transparency. As a result, the implementation of chatbots in banks and public institutions often focuses on open-source and on-premises solutions; however, there are hardly any scientific guidelines on how to implement these systems. Our paper aims to close this research gap. The article proposes a reference architecture for chatbots in banks and public institutions that are a.) based on open-source software and b.) are hosted on-premises. The framework is validated by case studies at TeamBank AG and the German Federal Employment Agency. Even if our architecture is designed for these specific industries, it may also add value in other sectors – as chatbots are expected to become increasingly important for the practical application of artificial intelligence in enterprises.