Last updated 30 January 2018
With a fingerprint sensor right on the card body, paying with an EMV card just got easier than ever before:
- with a simple touch, no need to enter a PIN code on the Point-of-Sales (POS) Terminal to perform a payment transaction, both in contact mode and in contactless mode
- no more limit on contactless payment transactions! The users are securely authenticated with their fingerprint and can enjoy the convenience of contactless for any amount
- no upgrade is required on the POS, as the biometrics check is directly performed on the biometric card and nowhere else
Rigourous enrolment process is key
The cardholder biometric data is enrolled at the Bank branch using either a secure tablet with the assistance of a teller or 24/7 with a kiosk: the fingerprint reference data is securely stored in the card's secure chip. It is not kept on the Bank's servers nor sent over the air to a personalization bureau.
This very rigourous and privacy-friendly enrolment process is key for the success of biometrics in payment applications. It is very similar to popular self-enrolment processes available on leading smartphones brands.
The biometric data nevers leaves the card
The fingerprint sensor is large enough and well positioned enough on the card body to enable a perfect seamless user experience: by holding the card pretty much as always before, the cardholder will perform biometrics verification with his/her enrolled finger, A simple card insertion (contact mode) or tap (contactless mode) on the POS will be sufficient to complete the transaction. PIN code can be used as a fall-back solution whenever the cardholder's fingerprint can't be used - like ATM cash withdrawals for example.
The new fingerprint sensor is compatible with all other EMV card options such as
contactless, and in the future Dynamic Code Verification with a e-Ink display on the card body. Biometrics is also compatible with the ISO dimensions of the card so there is no change for such a card to be used at the ATM with a PIN code.