TSB - The Unique Way You Type!

ev51

I haven't typed my e-mail address in any TSB online banking pages since I set it up over a decade ago, so they can have no history to check against - would the first authorisation of a payment be likey to fail, or this typing be used as the one to be checked against?  I think the biggest concern is that TSB have not inspired confidence when introducing new systems!

mjm3346

Never been asked to do this in "real life" but many years ago did some surveys involving online typing where they were looking to see how feasible it was to identify people from how they typed 

Ergates

ev51 said:

I haven't typed my e-mail address in any TSB online banking pages since I set it up over a decade ago, so they can have no history to check against - would the first authorisation of a payment be likey to fail, or this typing be used as the one to be checked against?  I think the biggest concern is that TSB have not inspired confidence when introducing new systems!

Neither would anyone else.   The point is to start checking how you enter it so they can detect if the way it is entered suddenly changes.

masonic

"We've noticed your typing accuracy is not as good as usual. Has sir had a little tipple this afternoon? Would sir like to reconsider this purchase?"

eskbanker

masonic said:

"We've noticed your typing accuracy is not as good as usual. Has sir had a little tipple this afternoon? Would sir like to reconsider this purchase?"

"We've noticed your typing accuracy is not as good as usual.  Would sir like to consider a role in our IT department?"

NBLondon

Zanderman said:

But actually the context of the wording suggests this is a system TSB are planning for those without the app or access to a mobile.  In other words people using a keyboard on a computer.  Is it really possible to detect a pattern to how people type on a keyboard?  

It is possible with enough data examples.  Whether TSB would really implement that is anotyher idea

Zanderman said:

I'd have thought not, especially if it's not your usual keyboard (I use, for instance, at least 4 pcs in two different households plus a laptop, a tablet and a phone regularly.  All of the pcs have subtly different styles of keyboard - soft keys, hard keys, differently angled etc)

That was my next thought - two different laptops one with external keyboard.

My guess is a simpler analysis - if there are pauses in the sequence of characters, that might be a clue that the person typing is copying from a note rather than straight from memory.  Which would mean that they need to update the analysis from time to time...  if it's a new account (or e-mail) , it won't be as fluent straight away, will it?

Sea_Shell

I wonder when the first case of "customer locked out of internet banking after breaking fingers" will hit the Daily Mail, along with compo sad faces and their bandaged hand!!!
 
 

Ergates

NBLondon said:

Zanderman said:

But actually the context of the wording suggests this is a system TSB are planning for those without the app or access to a mobile.  In other words people using a keyboard on a computer.  Is it really possible to detect a pattern to how people type on a keyboard?  

It is possible with enough data examples.  Whether TSB would really implement that is anotyher idea

There are 3rd party software suppliers who are approaching banks and offering the capability, so it's not particularly unlikely.

cx6

How do they store the pattern - in a cookie? I delete mine anyway.

Molehusband

ev51 said:

We won’t store your email, instead we’ll use biometric data analysis when you type in your one-time password and email as it recognises the unique way you type.

When they say "type in your one-time password and email" are they referring you having to type in this information one character at a time on a keyboard? The reason I mention this is because when I log into websites (including bank) I always copy and paste relevant identification such as email address, passcodes etc without having to type in each character manually. So will TSB allow you to enter this information by pasting it in rather than having to type each character manually?