Mobile password system for enhancing usability-guaranteed security in mobile phone banking

Abstract

To use mobile phone banking, we have to input personal identification number, account password and security card number. When it comes to the time of using wireless public key infrastructure practically, it will be equipped with the four-stage password input system by adding the certificate password. In this paper, we introduce DAS4M(Dynamic Authentication System for Mobile phone user) password system where the password could prevent from being exposed to other people during inputting. To discuss and simulate the validity of the proposed system, we develop a mobile application which is operable on the WIPI mobile platforms. The proposed system enhances the exposure rate of the password compared to the incumbent mobile phone banking password input system up to more than 84 times. Moreover, through the experiment with the usability which has the tradeoff relationship with the password security in terms of input time, error rate and user response, we can observe that it does not make a big difference as a result. © Springer-Verlag Berlin Heidelberg 2005.