Behavioral biometrics – show me what you do, and I’ll let you pay
Behavioral biometrics are not new: the measurement of patterns related to human activity is as old as the invention of the telegraph, in the 1860s. Back then, recipients could verify the authenticity of the messages they received based on the way telegraph operators would send those messages (they had their own dashes and dots signal signature to recognise them).
Even though behavioural biometrics exists for quite some time now, it is true that the technology behind it evolved a lot. It went from recognising a simple dash and dot signal signature, to much more subtle and precise measurements.
Those measurements can be done by the analyse of multiple data sets including hand and fingers movements, swiping, navigation and phone usage, holding, press size, hand-eye coordination, etc.
In the payment's world, behavioral biometrics, also called DNA mapping, are used to prove the identity of the user, authenticate the user and prevent fraud. The authentication of the user is a key step on the payment process: user needs to be authenticated based on one or more authentication factors (something that you know, something that you are, something that you own, where you are). Behavioural biometrics contrasts with physical biometrics, which are innate human characteristics such as fingerprints or iris patterns. It is an interesting authentication method because it does not require any change in the user experience, hence, it removes any potential friction.
Because at the end what really matters is the customer experience: Is it simple? Is it secure? Is it seamless? If the answer is yes, yes and yes – then you’re good to go.
In a world full of uncertainties, where fraudsters rise in unexpected ways, it is key to rely on a strong process to mitigate fraud, identity theft, security breaches, etc. Combined with machine learning capabilities and risk assessment techniques, behavioural biometrics show a real value-added approach to tackle fraud.
Today’s behavioural biometric platforms can collect more than 2,000 parameters from a mobile device by leveraging artificial intelligence (AI) and machine learning (ML) techniques. The collected data is used to create and train a customised security model for each user in order to secure his account and differentiate him from impersonators and robots. The trained models are polled to give an optimal prediction in real-time while the user is logging in, and as result the fraud detection can be accomplished without impacting the login performance.
For instance, mobile and online experiences built with behavioural DNA mapping are a great way to ensure the best seamless and secure customer experience. DNA mapping is the way a user holds his phone (left hand or right hand), the sizing of his hand, the way he swipes, navigates, or even the way he turns on the mobile, etc.
Along with interactions analysis (analysing the interactions of the user with its device), it ensures the identification of the users’ behaviour to protect their data. Authentication is invisible for the user, but mobile and online payments remain secured.
Behavioural biometrics have strong fraud detection capabilities: it is possible to distinguish a real user from an impostor by recognising normal user behaviour and fraudulent behaviour in real time. For example, if someone else is using my mobile and is trying to log into my wallet app or any other app in my mobile, the behavioural biometrics solution will be able to block the user, even if the password used is the correct one, simply because the way the fraudster used my phone is different from the way I use it.
Another example is for online fraud, and how behavioural biometrics solutions analyse several elements to detect a robot vs. a human. How is the text is typed? How long does it take to fill in each field? How the user navigates, scrolls on the website?
All the above are only a range of examples to show that the application of this technology is promising in the area of payments.
At HPS, we provide the invisible technology to deliver simple, secure and seamless payments.
To know more about HPS and behavioural biometrics to secure payments, please contact firstname.lastname@example.org.