• Gemalto is now part of the Thales Group, find out more.

EMV card with fingerprint biometrics


​Everywhere today people rely on cards and mobile phones to pay. Many already ensure the convenience of fingerprint biometrics on smartphones without having to remember a PIN code.

Now fingerprints biometrics is finally coming​​ to cards.

​​​​​​​​​​


With a fing​erprint 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
  • n​o upgrade is required on the POS, as the biometrics check is directly performed on the EMV biometric card and nowhere else​

A simple, yet rigorous enrollment process is key to protect the cardholder biometric data.


The enrollment procedure can be performed at home or at the branch. When performed at home, the cardholder fingerprint reference data is securely installed in the card using a self-enrollment sleeve shipped with the card. By simply inserting the new card in the sleeve and by following a very simple walkthrough procedure, the cardholder completes his/her enrollment, in a manner of seconds. Activation is then completed at the first transaction at the POS. 

Alternatively, the cardholder may go to the Bank branch and get the assistance of a teller using a secure enrollment tablet, or 24/7 kiosk..

The fin​​gerprint 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 rigorous and privacy-friendly enrollment process is key for the success of biometrics in payment applications. It is very similar to popular self-enrollment processes available on leading smartphones brands.

Slevve and card

The biometric data never 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 fallback 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.


 

Gemalto launches the first biometric EMV card for contactless payments​​


Gemalto has been selected by Bank of Cyprus to supply the world's first EMV biometric dual interface payment cardfor both chip and contactless payments.​ Using fingerprint recognition instead of a PIN code to authenticate the cardholder, the card is compatible with existing payment terminals already installed in the country. When customers place their fingerprint on the sensor, a comparison is performed between the scanned fingerprint and the reference biometric data securely stored in the card. 
The biometric sensor card is powered by the payment terminal and does not require an embedded battery; this means there is no limit from battery life nor on the number of transactions. ​​​

​​First biometric cards for Ban​k of Cyprus ​​

In order to bring seamless authentication to the banking sector, Gemalto has leveraged its extensive expertise from secure government documents and leadership in biometric applications. Our customers will benefit from this innovative payment solution with the peace of mind that their biometric data never leaves their hands Stelios Trachonitis, Card Centre Manager from Bank of Cyprus
​​

 Download

  • Biometric Card Myths

    9 myths frequently associated to biometric usages

    Debunking the most common misconceptions about the use of biometric cards.

    Download the infographic
  • Biometric paymentcard

    UK consumers excited by the new biometric payment cards

    Learn more about the findings
  • Biometrics for Financial Institutions and the new Gemalto Biometric Sensor Payment card

    Strong authentication: the search for more security without too much impact on user convenience.

    Download the whitepaper

 Blog

  • Posted on Jun 20, 2019

    Money 2020: the latest industry thinking on Open Banking

    We take a look at the key trends in Open Banking to come out of this year’s Money 2020 event in Amsterdam

    Read this post
  • Posted on Jun 04, 2019

    Digital security banking innovations at this year’s Money 2020

    We take a look at how our digital security solutions as presented at Money2020 can help shape banking and financial services in the future.

    Read this post
  • Posted on May 02, 2019

    Cash and Digital Payments will co-exist to drive financial inclusion

    This blog discusses how digital payments can drive greater financial inclusion and help reduce poverty.

    Read this post