Next-generation KYC banking verification via embedded smart keyboard

通过嵌入式智能键盘进行下一代 KYC 银行验证

• 批准号: 10100109
• 金额: $ 17.3万
• 依托单位: THINGTHING LTD
• 依托单位国家: 英国
• 项目类别: Collaborative R&D
• 财政年份: 2024
• 资助国家: 英国
• 起止时间: 2024 至 无数据
• 项目状态: 未结题
• 来源: https://gtr.ukri.org/projects?ref=10100109
• 关键词: Next; generation; KYC; banking; verification

Financial fraud continues to be a major problem for people in the UK and beyond. In the UK, £1.2bn was lost to financial fraud in 2022 (UK\_Finance), with ~£30m of that specifically lost due to mobile banking fraud (This\_Is\_Money,2022). Mobile banking fraud usually occurs through stolen phones, with criminals using sophisticated methods to override or crack passwords to access bank accounts via downloaded apps. With 93% of Britons using online banking (Finder,2023), it is no wonder this figure is a significant proportion of overall fraud losses.Banks work hard to prevent fraud, spending an average of 10% of total budgets on cybersecurity (NoWires,2021). A key part of these efforts comes in the form of Know Your Customer (KYC) verification, so the bank is certain the customer is the one trying to access their account. With the proliferation of smartphones, focus is increasingly turning to in-built technology (e.g. facial recognition via Face ID) to add new layers of security.One KYC avenue with high potential yet no existing security use is tracking of keystrokes/typing patterns on in-app keyboards. This would work by building an individual keystroke pattern for each user, with an automatic flag and request for additional verification/account freeze if someone attempted to log in using an anomalous typing pattern.At THINGTHING, we are ideally positioned to develop this new KYC avenue. We currently offer a popular pre-built virtual keyboard, the Fleksy software development kit (SDK), that ranks fifth in Europe and the USA in popularity and downloads behind major technology incumbents such as Apple, Google and Microsoft. We have many banking customers already utilising our technology, and all have expressed significant interest in the potential to utilise the Fleksy keyboard as a novel KYC tool.This is an entirely disruptive cybersecurity opportunity with no close competitor on the market. Online banking KYC verification is currently dependent on passwords, Face ID and/or fingerprint ID, with no provider offering keystroke tracking. No keyboard competitor is utilising keystroke tracking to offer an additional layer of security to banks. Market dominants (e.g. Microsoft, Apple and Google) offer only the keyboard, with no access to underlying/captured data for any purpose.This is a unique opportunity to rapidly deliver a novel, highly effective KYC security tool to banks that are calling for an urgent solution, helping to combat relentlessly high levels of financial fraud in the UK and beyond.

对于英国及以后的人们来说，财务欺诈仍然是一个主要问题。在英国，2022年（英国\ _finance）损失了12亿英镑的金融摩擦，约3000万英镑由于移动银行欺诈而损失了3000万英镑（这\ _is \ _money，2022年）。移动银行欺诈通常是通过被盗的电话发生的，犯罪分子使用复杂的方法覆盖或破解密码，通过下载的应用程序访问银行帐户。有93％的英国人使用在线银行（Finder，2023），难怪这一数字是整体欺诈损失的很大比例。银行努力努力防止欺诈，平均支付了网络安全总预算的10％（Nowires，2021年）。这些努力的关键部分是以了解您的客户（KYC）验证的形式，因此银行确定客户是试图访问其帐户的客户。随着智能手机的扩散，Focus越来越多地转向内置技术（例如，通过面部ID的面部识别）增加了新的安全层。一个具有很高潜在的KYC Avenue，但没有现有的安全使用是跟踪击键/打字模式在应用程序内键盘上。这将通过为每个用户构建单独的击键图案，并具有自动标志，并要求其他验证/帐户冻结，如果有人试图使用异常的打字模式登录。事物之后，我们理想地可以开发这一新的KYC Avenue。我们目前提供了一个受欢迎的预构建的虚拟键盘，即Fleksy软件开发套件（SDK），该套件在欧洲和美国排名第五，并在苹果，Google和Microsoft等主要技术现任者等主要技术现成。我们已经有许多银行客户已经利用我们的技术了，所有人都对利用Fleksy键盘作为新颖的KYC工具表示了重大兴趣。这是一个完全破坏性的网络安全机会，市场上没有近距离的竞争对手。在线银行kyc验证目前取决于密码，face ID和/或指纹ID，而没有提供钥匙跟踪的提供商。没有键盘竞争对手使用击键跟踪来为银行提供额外的安全层。市场主导物（例如Microsoft，Apple和Google）仅提供键盘，无法出于任何目的访问基础/捕获的数据。这是一个独特的机会，可以快速提供一种新颖的，高效的KYC安全工具，向银行提供紧急解决方案，呼吁采用紧急解决方案，帮助他们在英国和超越英国和超越较高的金融摩擦量相对较高。