Biometric-Based Authentication Model for E-Card Payment Technology
Peter Sungu Nyakomitta, Vincent Omollo Nyangaresi · IOSR Journal of Computer Engineering · 2014
The goals of this study were to develop and evaluate a model for acceptance of biometric-based access control for payment technologies used in commercial Banks.A wide diversity of systems requires reliable personal detection schemes to either authenticate or establish the identity of an entity requesting their services.The rationale of such schemes is to ensure that the rendered services are accessed only by a rightful user and no one else.In this paper, a biometric authentication system was modeled.This scheme eliminates the tension of cards which requires one to memorize theirs difficult passwords and pin numbers.The study centered on establishing how biometric authentication can be used in payment technology to boost e-card security.The target population included customers and DTB staff at Kisii branch.Simple random sampling technique was engaged to select respondents.The necessary data was collected using closed-ended questionnaires for easy of analysis.This data was then tabulated and presented in graphs for interpretation purposes.The researcher used the research study findings to design and develop a model, which was called BAECPT (Biometric-Based Authentication E-Card Payment Technology).The requirements for this model were obtained from the responses that the target population gave.Some research constructs loaded low than the theoretical established threshold values and was therefore dropped, while the ones that loaded higher than these values were retained.These are the ones that were included in the final model.