CyberSignature: Online Authentication using User Behaviour Profiling Phase 2

CyberSignature delivers a secure and frictionless 2nd factor authentication technology for merchant service providers (MSP) by using card holders' unique digital behaviour like keyboard, mouse and touchscreen habits because standard card details are easily stolen and used for online identity fraud.

As eCommerce continues to shift our shopping preference from the physical to the online marketplace, we leave behind digital traces of our personally identifiable details. For example, the merchant keeps record of your name and address; the payment processor stores your transaction details including account or card information, and every website you visit stores other information such as your device address and type. Cybercriminals constantly steal and use some of this information to commit identity fraud, ultimately leading to devastating consequences to the victims; but also, the card issuers and payment processors with whom the financial liability most often lie.

CyberSignature recognises that data is generally compromised in this digital age, and personal identity such as card number, password, PIN and account details can be easily stolen and used by someone else. However, there are thousands of behaviour biometrics data relating to a person's digital identity that are almost impossible to steal such as the way you type on a keyboard, move the cursor, or whether you normally do so via a mouse, touchpad or trackball. CyberSignature uses them to create a unique profile for the legitimate card owner and this can be used as an additional layer of user authentication during online card payment to distinguish between a legitimate and an illegitimate card user. By adding this extra layer of identity confirmation before a user pays, MSPs that take payments from the Single European Payment Area (otherwise known as the European Economic Area which includes UK) can ensure that online transactions on their platforms meet the Strong Customer Authentication (SCA) requirements under the Second Payment Service Directive (PSD2).

The project received £60K from Innovate UK