4 Significant Misconceptions Around Online Biometric Verification
Though online biometric verification has attained immense popularity across the globe, there still exist numerous prevailing myths circulating about biometrics.
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Identity, something that must mandatorily be unique and guarded. Protection of identity is crucial in this age when hackers are proposing more sophisticated attacks. There would be no wrong in saying that identity is the most significant and valuable possession and the protection of it is crucial.
Identity theft is the biggest matter of concern when it boils down to cybercrime. Not being yourself is identity theft. Global issues such as identity theft become more prevalent. Currently, more than ever Americans need to guard their financial health more seriously and this is the most utmost information. Last year, identity theft cost Americans a total of about $56 billion, with approximately 49 million customers falling victim and are left violated because of such illicit activity. On average, victims of identity theft lose $1,100. Identity theft has tremendously evolved and will keep on evolving with the passage of time. It now reflects the length of criminals that will directly set prey to customers to have unauthorized access to their personal information.
Will enterprises let this criminal activity evolve? Well, considering the leaps and bounds progression in identity theft cases, tech giants must integrate themselves with robust identity verification solutions and services. Traditional means to secure accounts with a username or password are not enough to deter fraudulent activities. Biometric authentication systems are less exposed to vulnerabilities because of the fact that the biometric data of the user is always unique. It is not easy for fraudsters to effortlessly duplicate someone’s fingerprints, facial expressions, and more. That’s why biometric verification is considered more convenient and secure in comparison to passwords.
Types of Biometric Verification
Biometric identification is a vast branch and it is subsequently divided into the following categories.
1. Voice Recognition
Voice recognition technology is utilized to analyze the sound of the voice of an individual. The unique voice of every individual is determined by the vocal tract’s length as well as the shape of their mouth, nose, and larynx. All such factors are utilized to make the voice recognition technology more robust.
2. Face Recognition
This popular technology is rooted in our biology and is immensely utilized by a vast range of organizations and financial infrastructures to critically analyze and distinguish between fraudsters and potential customers by analyzing the unique facial features of an individual.
3. Fingerprint Recognition
Fingerprint recognition technology is utilized to validate and authenticate the identity of an individual by critically analyzing the unique fingerprints on an individual. Fingerprint scanners establish a digital model by critically analyzing ridges and patterns of the fingerprint.
4. Eye Recognition
Eye recognition is effectively categorized into two sub-categories: retina scan recognition and iris scan recognition. The authenticator shines a light into the eye during the process of retina scan for the illumination of unique blood vessel patterns. In an iris scan, the authenticator shines the light for the analysis of colored rings in the iris.
Though online biometric verification has attained immense popularity across the globe, there still exist numerous prevailing myths circulating around biometrics that are gradually prone towards acquisition.
Let's lay our eyes on the four most significant misconceptions that are revolving around biometric identification.
Myth #1: Online Biometric Verification Does Not Work If The User is Known Already
Behavioral biometrics deeply analyze how an individual interacts with their device. From the way they hold their device, to keystrokes, to swipes, all such this can be effectively utilized for the establishment of a profile that is used to authenticate the identity of an individual and for risk assessment. Let us take an example here, an individual comes to open an account, behavioral biometrics makes a comparison between the behavior of the applicant and representative pool of users to authenticate an identity of an individual to effectively carry out the online biometric verification process.
Myth #2: Biometric Models Do Not Work Properly When a User Ages and Facial Features Change
As a matter of fact, the facial features of an individual gradually transfers as the user ages with the passage of time. The biometric verification solutions are effective and robust enough that the small changes will not affect the results of the biometric authentication system. Instead, mathematical models automatically update when changes are encountered in the user’s appearance.
Myth #3: Biometric Identification Can Be Dodged Using Static Photographs
This might be true on less sophisticated or older iterations of validation and authentication technology. However, the latest biometric authentication solutions involve the capabilities of liveness detection that can effectively distinguish whether the biometric trait is authenticated or not. The user may be asked to blink or move their head for the purpose of authentication.
Myth #4: Biometric Verification Is An Annexation of Privacy
There exists a consequent distinction among biometric verification solution options that ask the individual to opt-in and facial recognition technology incorporated in public places. Online biometric verification solutions require the consent of individuals by their nature since the user is first required to enroll their biometric. Moreover, photographic pictures of faces are not kept in the database. Rather, face’s mathematical model is encrypted and stored in files to make comparisons. It is useless for a fraudster even if it is stolen.
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