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Passfaces |
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Passfaces – a new way of authenticating Internet
users
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Currently, all Internet and PC banking
services use some form of password or PIN for authentication.
It is widely accepted that this approach leaves a lot to be
desired. Customers dislike passwords because they are difficult
to remember. Institutions dislike passwords because they are
insecure, especially since most customers write them down in
order to remember them. An intriguing
new "cognometric" authentication method called Passfaces
gets round these problems in a way that fits with the visual
nature of the Internet and is fun to use.
Passfaces is based on the remarkable
ability of the human brain to remember faces. Customers enrol
by memorising four random faces, then logon by choosing these
faces from a random array of decoy faces. This method has
great potential. It is highly secure (users cannot "write
down" their faces and can only be "robbed"
of them at the point of sale), very user friendly and intuitive
(faces are much easier to remember than passwords, and less
intrusive than most other biometric techniques), and inexpensive
to implement (no special equipment required and a simple,
user controlled enrolment procedure).
Any bank planning an Internet banking
service would do well to consider offering an authentication
option based on Passfaces. There are significant potential
benefits:
- Differentiation of a bank's Internet banking
service from the increasingly commoditised offerings of
the competition.
- Improved customer service through offering
what is potentially a highly user friendly method of authentication,
which is intuitive and fun to use.
- Further improved service through the ability
to offer customers a choice of authentication methods tailored
to their individual preferences.
- Cost savings relative to other biometric
techniques, and reduced support costs relative to passwords
since customers are less likely to forget their faces.
- Better understanding of authentication methods
generally, leading to competitive advantage in terms of
higher security, lower costs and improved levels of service.
Passfaces has been developed and patented
by ID-Arts, a UK company. Check out their web site and try
out Passfaces for yourself on http://www.id-arts.com/.
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Interested? Please contact
Nick Collin on nick@ncollin.demon.co.uk
or +44 (0)207 833 8765 with comments or questions.
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