Identity risk analysis in mobile commerce: A novel approach

摘要

The usage of handheld smart devices with Internet services has provided greater sense of convenience, mobility, efficiency and enjoyment to the user. Despite that, inexistence of user identity verification system has made mobile commerce platform vulnerable to malicious attacks such as identity theft. In order to provide an additional layer of security, this paper had proposed and developed Mobile Identity Verification Application (MIVA) that consists of two-factor login verification, order verification and fingerprint scanning with risk analysis. A comparison study was conducted with 6 different scenarios assigned with 7 rule IDs, success and fail score to evaluate the effectiveness of MIVA in classifying fraudulent users. The results had revealed that Scenario C using success score of `1' and fail score `2' is significant to the proposed risk analysis specification. The findings of this study would contribute a secure and robust application which would assist in verifying user identity while transacting in mobile commerce.