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Authors: Sven Kiljan 1 ; Harald Vranken 2 and Marko van Eekelen 2

Affiliations: 1 Faculty of Management, Science & Technology, Open Universiteit, NHL Hogeschool and Radboud University, Netherlands ; 2 Faculty of Management, Science & Technology, Open Universiteit and Radboud University, Netherlands

ISBN: 978-989-758-196-0

ISSN: 2184-2825

Keyword(s): Online Banking, Security, Authentication, Trusted, Information, Transfer, Human Interaction.

Related Ontology Subjects/Areas/Topics: Data and Application Security and Privacy ; Data Engineering ; Data Integrity ; Data Protection ; Databases and Data Security ; Identification, Authentication and Non-Repudiation ; Information and Systems Security

Abstract: Online banking relies on user-owned home computers and mobile devices, all vulnerable to man-in-the-middle attacks which are used to steal money from bank accounts. Banks mitigate this by letting users verify information that originates from these untrusted devices. This is not user-friendly since the user has to process the same information twice. It also makes the user an unnecessary critical factor and risk in the security process. This paper concerns a case study of an information scheme which allows the user to enter critical information in a trusted device, which adds data necessary for the recipient to verify its integrity and authenticity. The output of the device is a code that contains the information and the additional verification data, which the user enters in the computer used for online banking. With this, the bank receives the information in a secure manner without requiring an additional check by the user, since the data is protected from the moment the user entered i t in the trusted device. This proposal shows that mundane tasks for the user in online banking can be automated, which improves both security and usability. (More)

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Paper citation in several formats:
Kiljan, S.; Vranken, H. and van Eekelen, M. (2016). User-friendly Manual Transfer of Authenticated Online Banking Transaction Data - A Case Study that Applies the What You Enter Is What You Sign Transaction Authorization Information Scheme. In Proceedings of the 13th International Joint Conference on e-Business and Telecommunications - Volume 4: SECRYPT, (ICETE 2016) ISBN 978-989-758-196-0 ISSN 2184-2825, pages 259-270. DOI: 10.5220/0005965102590270

@conference{secrypt16,
author={Sven Kiljan. and Harald Vranken. and Marko {van Eekelen}.},
title={User-friendly Manual Transfer of Authenticated Online Banking Transaction Data - A Case Study that Applies the What You Enter Is What You Sign Transaction Authorization Information Scheme},
booktitle={Proceedings of the 13th International Joint Conference on e-Business and Telecommunications - Volume 4: SECRYPT, (ICETE 2016)},
year={2016},
pages={259-270},
publisher={SciTePress},
organization={INSTICC},
doi={10.5220/0005965102590270},
isbn={978-989-758-196-0},
issn={2184-2825},
}

TY - CONF

JO - Proceedings of the 13th International Joint Conference on e-Business and Telecommunications - Volume 4: SECRYPT, (ICETE 2016)
TI - User-friendly Manual Transfer of Authenticated Online Banking Transaction Data - A Case Study that Applies the What You Enter Is What You Sign Transaction Authorization Information Scheme
SN - 978-989-758-196-0
IS - 2184-2825
AU - Kiljan, S.
AU - Vranken, H.
AU - van Eekelen, M.
PY - 2016
SP - 259
EP - 270
DO - 10.5220/0005965102590270

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