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区块链+生物识别 双重保障护航全球交易安全性

生物认证与基于区块链的存储解决方案强强联合,可以增强全球支付应用程序的安全性。

基于区块链的应用程序以安全著称。分布式账本技术的不可变性和透明性使其成为了维护交易和活动日志完整性的理想选择。尽管加密货币技术在银行、金融和支付领域的使用越来越频繁,但它仍然有进一步发展的空间,而这些发展是以生物识别技术的形式出现的。

近来,生物识别认证变得越来越普遍,而这一切要归功于配有指纹传感器和价格优惠的便携式视网膜扫描仪的移动电话。 像区块链系统一样,基于生物识别运行的设备也有自己的独特优势。它们可能是目前可用的最具个人意义的验证模式。各类付款应用程序,如Apple Pay和其他钱包,已经在借助生物识别进行支付验证,在不久的将来,它有可能会替代双因素认证(2FA)的一次性密码(OTP)概念。

一篇最近发表在信息技术刊物上的博客文章清晰描述了生物识别与区块链的组合是如何大幅度降低付款行业欺诈风险并遵守现有监管框架的。在文章中,作者指出了由于缺少相关联的个人标识符而造成的传统方式下认证消息推送的低效率。换句话说,任何有权访问他人手机或电子邮件的人都可以轻易地通过输入支付服务提供商或银行机构发送的验证码(OTP),在同一或不同设备上批准付款(花费别人的钱)。同时,存储在传统数据库中的交易日志,为那些掌握了技术的人自由操纵数据,获取利益打开了方便之门。

生物识别验证几乎杜绝了欺诈者冒充别人,批准交易的可能。 当下的数据存储解决方案使交易日志非常容易受到攻击。然而,利用基于区块链技术而建立起的、不可变的数据存储解决方案替代传统的数据存储系统,有效地填补这些漏洞,从而阻绝交易和活动日志被篡改。

随着手机支付在世界范围内的兴起,双层安全功能在不久的将来可能会成为支付领域的行业标准。

 

Blockchain-based applications are known for the security they offer. The immutable and transparent nature of distributed ledger makes it ideal for maintaining the integrity of transactions and activity logs. As the cryptocurrency technology gains increased adoption in the banking, financial and payments sector, it still has room for further improvements. These improvements come in the form of Biometrics.

Biometric authentication is becoming widespread these days, thanks to mobile phones with fingerprint sensors and inexpensive, portable retina scanners. Like blockchain systems, Biometric authentication based devices have their own advantages. They are probably the most personal form of authentication currently available at the moment. Various payments applications like Apple Pay and other wallets are already making use of it for payment approval, and it may soon replace the concept of One Time Password (OTP) for two-factor authentication (2FA).

A recent blog post on one of the information technology publications paints a clear picture of how a combination of biometrics and blockchain can drastically reduce the risk of fraud in payments industry while complying with existing regulatory frameworks. In the article, the author points out the inefficiencies of conventional push message notifications for consent as there is no personal identifier associated with it. In other words, anyone who has access to someone’s mobile phone or email can conveniently approve payments (spend someone else’s money) over the same or a different device by entering the verification code (OTP) sent by the payments service providers or banking institutions. At the same time, the transaction logs stored in conventional databases gives a skilled person a free hand to manipulate the data for his own benefit.

Biometric verification/authentication makes it almost impossible for fraudsters to impersonate someone else and approve transactions. The current solutions for data storage leave the transaction logs vulnerable to exploits. However, replacing conventional data storage systems with immutable blockchain based data storage solutions will effectively plug the hole, making it virtually impossible to tamper with transaction and activity logs.

The two-layered security feature may as well turn into an industry standard for the payments sector in the near future as mobile payments gain traction across the world.


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