Model-based image processing approaches for automated person identification and authentication in online banking

Andreas Pointner, Oliver Krauss, Georg Freilinger, Daniel Strieder, Gerald Zwettler

Research output: Chapter in Book/Report/Conference proceedingsConference contributionpeer-review

1 Citation (Scopus)

Abstract

This research work covers the necessary image processing workflow to facilitate online person identification for financial authentication, to be carried out in a fully automated way. This brings the advantage of fewer errors due to human failures. Moreover, it reduces the cost of a single identification by quite a significant factor. The relevant authentication and validation steps are modelled in BPMN. Validation and comparison of the person visible in the video stream is achieved utilizing a hybrid face recognition approach combined with OCR checking and model-derived individual instructions. To ensure authenticity of the identification card, security features like color-holograms are modelled for each version and supported country. The interconnection of the process sequence, which is individually and dynamically derived from the BPMN together with adaptive paradigms of human-computer-interaction, allow for a beyond the current state-of-the-art level of manipulation prevention and of user assistance. The results show that the process of person identification and authentication can be automated when legal aspects are clarified, thus allowing for a state-of-the-art of precision on face recognition and hologram checking, at a competitive level with human staff.

Original languageEnglish
Title of host publication30th European Modeling and Simulation Symposium, EMSS 2018
EditorsYuri Merkuryev, Miquel Angel Piera, Francesco Longo, Agostino G. Bruzzone, Michael Affenzeller, Emilio Jimenez
PublisherDIME UNIVERSITY OF GENOA
Pages36-45
Number of pages10
ISBN (Electronic)9788885741065
Publication statusPublished - 2018
Event30th European Modeling and Simulation Symposium, EMSS 2018 - Budapest, Hungary
Duration: 17 Sep 201819 Sep 2018

Publication series

Name30th European Modeling and Simulation Symposium, EMSS 2018

Conference

Conference30th European Modeling and Simulation Symposium, EMSS 2018
Country/TerritoryHungary
CityBudapest
Period17.09.201819.09.2018

Keywords

  • BPMN
  • Face recognition
  • Human-computer-interaction
  • Model-based hologram validation

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