e-Finance Security level optimization with user life style
Original Publication Date: 2005-Oct-19
Included in the Prior Art Database: 2005-Oct-19
Publishing Venue
IBM
Abstract
Disclosed is a system for bank account security improvements by optimization with user life style such as time/date zone, location area.
e-Finance Security level optimization with user life style
Bank account is secured by the combination of"bank card" and "password"now. But, bank card /password is stolen occationally. System described here utilize bank accout owner 's life stype pattern such as date/time zone and location area combination. For example, Senior citizen stay local area most of the time. Office worker usually use ATM during lunch break atnear office. So to utilize these lyfe style pattern, bank account security can be improved with minimum inconveniense . To utilize biometrics authentification of samrt phone or IC card improve security further.
These option setting ia made through ATM, smart phone, Internet anytime.
Bank account
card ID/password
User ID
Biometrics control
Time zone
control
Location/Area
control
①Basic
( current method )
higher security level
②Option1
③Option2
④Option3
Current method
this invention:
Combination of these is optional
This system is realised with Device: IC card (which may be embedded in samrt phone)
Time data : system clock, GPS clock, etc.
Location data : ATM location(data exist in system), smart phone GPS, wireless-LAN locator function, hotspot. etc.
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