AUM - High Frequency Secure Signatures (AUM-HFSS)

AUM - 高频安全签名 (AUM-HFSS)

• 批准号: 971326
• 金额: $ 5.73万
• 依托单位: AUM INVESTMENTS LIMITED
• 依托单位国家: 英国
• 项目类别: Small Business Research Initiative
• 财政年份: 2013
• 资助国家: 英国
• 起止时间: 2013 至 无数据
• 项目状态: 已结题
• 来源: https://gtr.ukri.org/projects?ref=971326
• 关键词: AUM; Frequency; Secure; Signatures; HFSS

Assets Under Management - High Frequency Secure Signatures (AUM-HFSS)Most payment card fraud occurs in environments where the individual account holder is not physically present i.e. over the internet and telephone - Card Not Present Fraud (CNP Fraud) or is unaware/exposed, where it is extremely yet increasingly difficult to verify the account holder approval to a transaction leading to increased fraudulent activity. Verification of our identities are carried through plastic cards with EMV chips or RFID solutions, traditional user and passwords combinations, biometric interfaces or through simple handheld security tokens. These systems are limited, carry static information which can be copied without knowledge, or have security loopholes, or require specialist equipment at point of identity confirmation. Key logging, false website misrepresentation, mailware or voice impersonation are common methods to used by fraudsters to ascertain and manipulate account holder details. Furthermore current payment data entry requirements appear cumbersome, mundane and do not inspire ease of use/confidence from a design perspective to encourage further engagement. This is particularly true for those visually impaired or hard of hearing, those less adaptive to technology or those individuals with poor memory which is further complicated by the plethora of passwords to remember today, there has to be a simpler solution. How may a consumer or merchant be sure that confidential financial details given over the phone, internet or retail enviironment will not be intercepted? The AUM project aims to eradicate all of this!AUM – HFSS, a project aiming to develop a radical innovative & disruptive software technology interface MVP prototype for global use. Deployed through cloud computing and modern hand held interfaces, it will assist businesses verify the identity of individuals or clients and even make payments by pressing a single button! The AUM proposal will generate ‘real time dynamically generated digital wave acoustic signatures’ which can be passed through mobile, voip and traditional communication architectures without use of traditional data transfer packets. This combined with 2 or 3 factor authentication compliant with Global PCI Data standards and improved military grade cryptology makes the proposition unique.In the digital world today, data is important as there is a need and global opportunity to prevent fraud by changing the way we carry our identity. Alternate systems require specialist equipment, have security limitations or are static data carriers, and have limited use in comparison to AUM-HFSS proposal, which may be operated through any mobile phone (even those without internet enabled data packages) to further inspire confidence, increased secure transactions and ease of use within mCommerce environments.

管理下的资产-高频安全签名(AUM-HFSS)大多数支付卡欺诈发生在个人账户持有人不在场的环境中，即通过互联网和电话卡不存在欺诈(CNP欺诈)或不知道/暴露，在这些环境中，核实账户持有人对导致欺诈活动增加的交易的批准是极其困难的。我们的身份验证是通过带有EMV芯片或RFID解决方案的塑料卡、传统的用户和密码组合、生物识别界面或简单的手持安全令牌进行的。这些系统是有限的，携带的静态信息可以在不知情的情况下复制，或者存在安全漏洞，或者需要在身份确认点使用专业设备。按键记录、虚假网站虚假陈述、邮件软件或语音模拟是诈骗者用来确定和操纵账户持有人详细信息的常见方法。此外，目前的支付数据输入要求显得繁琐、乏味，从设计角度看并不容易使用/增强信心，无法鼓励进一步参与。对于那些视力受损或听力障碍的人，那些不太适应技术的人，或者那些记忆力不佳的人来说尤其如此，因为今天要记住的密码过多，这一点变得更加复杂，必须有一个更简单的解决方案。消费者或商家如何才能确保通过电话、互联网或零售环境提供的机密财务细节不会被截获？AUM项目旨在消除所有这一切！AUM-HFSS，一个旨在开发一个激进的创新和颠覆性软件技术接口MVP原型的项目，供全球使用。通过云计算和现代手持界面部署，它将帮助企业验证个人或客户的身份，甚至只需按下一个按钮就可以进行支付！AUM提案将生成“实时动态生成的数字波声签名”，这些签名可以在移动、VoIP和传统通信架构中传递，而无需使用传统的数据传输分组。这一点与符合全球PCI数据标准的2或3因素身份验证和改进的军用级别密码学相结合，使这一命题独一无二。在当今的数字世界，数据非常重要，因为有必要和全球机会通过改变我们携带身份的方式来防止欺诈。与AUM-HFSS提案相比，替代系统需要专门的设备、具有安全限制或是静态数据载体，并且与AUM-HFSS提案相比用途有限，后者可以通过任何移动电话(即使是那些没有支持互联网的数据包的移动电话)操作，以进一步增强信心、提高安全交易和在移动商务环境中的易用性。