Behavioral Biometrics Verifies Identity by the Way You Hold Your Phone
Researchers in the United Kingdom are working on a new form of mobile banking identity verification that analyzes each user’s individual body language. The program assesses how people hold, type or swipe their mobile devices in order to authorize transactions.
Every person has a special way of interacting with a smartphone. It may seem as though we all make the same basic gestures on the device, but the movements we make are unique to each of us. Researchers from Nationwide, Unisys and BehavioSec aim to tap into these movements through technology known as “behavioral biometrics.”
Researchers found that 70% of the adults in the UK click “forgot password” twice a month, and that same percentage want more security without having to remember another password or PIN.
The program is still in the prototype phase, but it could have a huge impact on the industry once it hits the market. Much like the fingerprint authorization of Touch ID or the facial recognition of MasterCard’s Selfie Pay, behavioral biometrics could soon become another way to log into mobile banking apps and mobile wallets.
The technology would likely not become a primary means of identity verification, but would act as a secondary identifier with existing security measures. As we search for new and better ways to protect payment information online and on mobile devices, behavioral biometrics could add another layer of security protection.
About Bill Hardekopf
Bill Hardekopf is the CEO of LowCards.com and covers the credit card industry from all perspectives. Bill has been involved with personal finance for over 15 years. He is a frequent contributor to Forbes, The Street and The Christian Science Monitor.