Using Keystroke Dynamics and Location Verification Method for Mobile Banking Authentication.

Abstract

With the rise of security attacks on mobile phones, traditional methods to authentication such as Personal Identification Numbers (PIN) and Passwords are becoming ineffective due to their limitations such as being easily forgettable, discloser, lost or stolen. Keystroke dynamics is a form of behavioral biometric based authentication where an analysis of how users type is monitored and used in authenticating users into a system. The use of location data provides a verification mechanism based on user’s location which can be obtained via their phones Global Positioning System (GPS) facility. This study evaluated existing authentication methods and their performance summarized. To address the limitations of traditional authentication methods this paper proposed an alternative authentication method that uses Keystroke dynamics and location data. To evaluate the proposed authentication method experiments were done through use of a prototype android mobile banking application that captured the typing behavior while logging in and location data from 60 users. The experiment results were lower compared to the previous studies provided in this paper with a False Rejection Rate (FRR) of 5.33% which is the percentage of access attempts by legitimate users that have been rejected by the system and a False Acceptance Rate (FAR) of 3.33% which is the percentage of access attempts by imposters that have been accepted by the system incorrectly, giving an Equal Error Rate (EER) of 4.3%.The outcome of this study demonstrated keystroke dynamics and location verification on PINs as an alternative authentication of mobile banking transactions building on current smartphones features with less implementation costs with no additional hardware compared to other biometric methods.

Keywords: smartphones, biometric, mobile banking, keystroke dynamics, location verification, security