Online payments using handwritten signature verification

Trevathan, Jarrod, McCabe, Alan, and Read, Wayne (2009) Online payments using handwritten signature verification. In: Proceedings of the 2009 Sixth International Conference on Information Technology: new generations, pp. 901-907. From: 2009 Sixth International Conference on Information Technology: new generations, 27-29 April 2009, Las Vegas, Nevada, USA.

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Abstract

Making payments online is inherently insecure, especially those involving credit cards where a handwritten signature is normally required to be authenticated. This paper describes a system for enhancing the security of online payments using automated handwritten signature verification. Our system combines complementary statistical models to analyse both the static features of a signature (e.g., shape, slant, size), and its dynamic features (e.g., velocity, pen-tip pressure, timing) to form a judgment about the signer's identity. This approach's novelty lies in combining output from existing Neural Network and Hidden Markov Model based signature verification systems to improve the robustness of any specific approach used alone. The system can be used to authenticate signatures for online credit card payments using an existing model for remote authentication. The system performs reasonably well and achieves an overall error rate of 2.1% in the best case.

Item ID: 8752
Item Type: Conference Item (Refereed Research Paper - E1)
Keywords: biometric security; fraud; artificial intelligence; algorithms; privacy; eCommerce
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ISBN: 978-0-7695-3596-8
Date Deposited: 04 Mar 2010 05:35
FoR Codes: 08 INFORMATION AND COMPUTING SCIENCES > 0801 Artificial Intelligence and Image Processing > 080108 Neural, Evolutionary and Fuzzy Computation @ 50%
08 INFORMATION AND COMPUTING SCIENCES > 0803 Computer Software > 080303 Computer System Security @ 50%
SEO Codes: 89 INFORMATION AND COMMUNICATION SERVICES > 8902 Computer Software and Services > 890299 Computer Software and Services not elsewhere classified @ 100%
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