• Journal of Multimedia Information System
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• v.3 no.2
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• pp.13-20
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• 2016

Biometric authentication for account-based mobile payment continues to gain attention because of improvements on sensors that can collect biometric information. We propose an enhanced method for mobile payment security based on biometric authentication. In this mobile payment system, the communication between the user and the relying party is based on public key infrastructure. This method secures both the key and the biometric template in the user side using fuzzy vault biometric cryptosystems, which is based on non-random chaff point generator. In this paper, we consider an important process for the common fuzzy vault system, that is, the feature extraction method. We evaluate various feature extraction methods to enhance the accurate performance of the system.

• Journal of Digital Convergence
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• v.18 no.7
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• pp.123-133
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• 2020

The aim of this study is to scrutinize acceptance intentions of Korean users and influences of information security related factors on mobile payment services based on biometric authentication methods, like finger print authentication or face recognition authentication, by focusing on ApplePay. Unlike previous studies on user acceptance of mobile payment which lack considerations on information security related factors, this study employs the UTAUT with detailed information security factors to create a research model and PLS(Partial Least Squares) method to analyze the model. Based on the analysis, gaining trust on service through company's efforts on information protection, personal characteristics and trust on applied security technologies are important factors to Korean users along with social awareness and service infrastructures. The result of this study would be helpful to companies or organizations, which provide biometric-based mobile payment services, to understand needs of Korean consumers. Based on this study, further analysis is expected to find impacts of user experiences on same company's or competitors' products to acceptance intentions.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.28 no.4
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• pp.879-888
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• 2018

Along with the recent worldwide development of fintech, FIDO (Fast IDentity Online) using biometric technology is rapidly growing in the mobile payment market, replacing the existing password system. This FIDO authentication must be processed in a reliable environment that requires high level of security, as sensitive biometrics is being processed. However, this environment is currently dependent on the manufacturer as it is supported by certain hardware on the smartphone. Therefore, this thesis proposes a server-based authentication model using distributed management of compliance based biometric information that can be used universally safely without the need for specific hardware in mobile environments.

• Information Systems Review
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• v.23 no.4
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• pp.1-22
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• 2021

In the newly encountered economy caused by the Corona virus Disease-19, remote transaction becomes a new normal that disrupt traditional economic order. In the middle of the disruption, mobile tech is placed and remote finance on mobile is highly noticed and considered as an infra-tech to support the new ecology, In mobile finance. remote payment is becoming the most common service and personal identification on it is critical to operate the new service. There are various means of remotely identifying a person. Recently the use of biometric information is increasing. In this study, a correlation analysis was conducted on factors that effects to biometrics usage and the intention to use in remote personal identification. Variables for critical factor in the remote identification were classified into 4 groups such as Performance expectancy, Effort expectancy, Social influence, and Security. The empirical analysis based on the Unified Theory of Acceptance and Use of Technology (UTAUT) was conducted. The relationship between variables and the intention to use is also analyzed. In the study, stepwise regression analysis was conducted four times in which variables were adjusted in individual stage. As a result, the analysis suggests that performance expectancy, effort expectancy, social influence, security have positive effects for intention to use. Additionally, effort expectancy and security have moderating effects to intention to use depends on biometric authentication experience. The analysis has shown positive effect of variables grouped on the intention to use them. It also suggests that the intention to use biometric authentication will quickly grow. This study is expected to make a contribution to utilize and improve the use of biometric information in mobile payment.