Everywhere today people rely on cards and mobile phones to pay. Many are already benefiting from the convenience of fingerprint biometrics on smartphones without having to remember a PIN code.
Now fingerprint biometrics is finally coming to cards.
Discover biometric authentication applied to EMV cards.
Fingerprint payment made simple
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
EMV biometric card and nowhere else
Enrollment is key
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 (see picture below). By simply inserting the new biometric payment 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 biometric data never leaves the card
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.
The very rigorous and privacy-friendly enrollment process described above is key for the success of fingerprint payments.
It is very similar to popular self-enrollment processes available on leading smartphones brands.
Communications about this aspect is certainly key for customers.
The Gemalto biometric credit card combines a fingerprint scanner and EMV technology - here with its self-enrollment sleeve. The biometric data never leave the card.
The biometric payment card experience
The fingerprint sensor is large enough and well positioned enough on the card body to enable a perfect seamless user experience.
It sounds simple and it is.
By holding the card pretty much as always before, the cardholder will perform biometrics verification with his/her enrolled finger.
A 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.
The biometric payment card can also be used at the ATM with a PIN code.
Identification for social benefits cards
Another new and interesting value proposition for the biometric EMV card is that unlike PIN code
which is an authentication method, biometry is an
A PIN code can be shared by the
genuine cardholder, but biometrics data can’t be shared.
This identification approach brought by biometry can
be used by card issuers to ensure that the card usage
benefits are really used by the genuine cardholder: that
enables social benefits distribution via an EMV payment
No change on the EMV payment performance, but a
very robust identification of the cardholder.
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 card for 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 card is powered by the payment terminal and does not require an embedded battery.
In other words, there is no limit from battery life nor on the number of transactions.
First biometric cards for Bank 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