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IDC analyst sounds note of caution as banking sector embraces biometrics
TECHNOLOGY
www.biometrics-today.com
ISSN 0969-4765 November/December 2014
payments
Contents
MasterCard and Zwipe launch fingerprint payment card as Alipay looks to biometrics
M
asterCard and Norwegian firm Zwipe have partnered to launch a contactless payment card featuring an integrated fingerprint sensor. The launch of the card comes after a successful live pilot with Norway’s Sparebanken DIN and as Alipay, China’s largest electronic payments service, looks to biometric technology too. The Zwipe MasterCard payment card is billed as the world’s first fingerprint authenticated contactless payment card. It includes an integrated biometric sensor and the Zwipe secure biometric authentication technology that holds the cardholder’s biometric data. It contains an EMV certified secure element and MasterCard’s contactless application. Cardholder fingerprint data is stored directly on the card, not in an external database. After activation by a fingerprint scan, usually of the thumb, the Zwipe MasterCard card can be used to make contactless payments. The biometric authentication replaces PIN entry, enabling cardholders to make payments of any amount. Ajay Bhalla, president of enterprise security solutions at MasterCard, said, “Our belief is that we should be able to identify ourselves without having to use passwords or PIN numbers. Biometric authentication can help
Zwipe contactless payment card features an integrated fingerprint sensor.
us achieve this. However, our challenge is to ensure the technology offers robust security, simplicity of use and convenience for the customer. Zwipe’s first trial is a significant milestone and its results are very encouraging.” Alipay, China’s largest electronic-payments service, run by the financial affiliate of e-commerce giant Alibaba Group Holding, is focusing on technologies that use biometrics to identify users, reports the Wall Street Journal blog. “Biological identification will become very important in the future,” Cao Kai, a senior director of Zhejiang Ant Small & Micro Financial Services Group, the Alibaba affiliate that owns Alipay, is reported as saying at a conference the group hosted. At the conference Alipay set up a store cashier equipped with fingerprint sensors, where people could pay for goods using Alipay Wallet’s biometric-identification feature.
IDC analyst sounds note of caution as banking sector embraces biometrics
T
he financial sector worldwide continued to take biometric technology to its heart in Autumn 2014, but IDC analyst Andrei Charniauski has sounded a note of caution. According to Gulf News, Abu Dhabi Commercial Bank is turning to voice biometrics from Nuance Communications to authenticate its customers’ identity. ADCB is offering voice biometrics in Arabic, English and Hindi.
TODAY
biometric
Facial recognition technology firm FacePhi is to install a facial recognition system in the mobile banking service of the Grupo Mutual financial institution of Costa Rica by the end of 2014. Grupo Mutual will use the facial biometrics system to ensure the security of its clients when they access to their account through online banking. Grupo Mutual is to carry out tests with employees and clients, so Continued on page 2...
News MasterCard and Zwipe launch fingerprint payment card as Alipay looks to biometrics 1 IDC analyst sounds note of caution as banking sector embraces biometrics
1
Wearables to drive second wave of biometric adoption
2
Securiport combines biometrics with contact tracing to combat Ebola
2
INTERPOL meets to develop facial recognition standards
3
UK Biometrics Commissioner seeks to strengthen early deletion rights
3
US and NZ police forces roll out mobile fingerprint biometrics
3
Dubai police plan to deploy Google Glass facial recognition
12
UK Jobcentre rolls out electronic signing pads with recognition
12
Intel invests in Chinese biometrics
12
Features Setting standards for evaluation and testing
5
Steve Mansfield-Devine reports on efforts to create certification frameworks for evaluation and testing of the performance of biometric solutions. 2014 – a year in biometrics
9
Tracey Caldwell reviews the development of the biometrics industry in 2014. Regulars Events Calendar
3
News in Brief
4
Product News
4
Company News
4
Comment
12
Visit us online @ www.biometrics-today.com
ISSN 0969-4765/14 © 2014 Elsevier Ltd. All rights reserved. This journal and the individual contributions contained in it are protected under copyright by Elsevier Ltd, and the following terms and conditions apply to their use: Photocopying Single photocopies of single articles may be made for personal use as allowed by national copyright laws. Permission of the publisher and payment of a fee is required for all other photocopying, including multiple or systematic copying, copying for advertising or promotional purposes, resale, and all forms of document delivery. Special rates are available for educational institutions that wish to make photocopies for non-profit educational classroom use.
NEWS
Editorial Office: Elsevier Ltd The Boulevard Langford Lane Kidlington Oxford OX5 1GB, UK Fax: +44 (0) 1865 843973 Email: [email protected] Website: www.biometrics-today.com Publisher: David Hopwood Editor: Tracey Caldwell Email: [email protected] Production Support Manager: Lin Lucas Email: [email protected] Subscription Information An annual subscription to Biometric Technology Today includes 10 issues and online access for up to 5 users. Prices: 1209 for all European countries & Iran US$1307 for all countries except Europe and Japan ¥160 700 for Japan (Prices valid until 31 December 2014) To subscribe send payment to the address above. Tel: +44 (0)1865 843687 or via www.biometrics-today.com Subscriptions run for 12 months, from the date payment is received. This newsletter and the individual contributions contained in it are protected under copyright by Elsevier Ltd, and the following terms and conditions apply to their use: Permissions may be sought directly from Elsevier Global Rights Department, PO Box 800, Oxford OX5 1DX, UK; phone: +44 1865 843830, fax: +44 1865 853333, email: [email protected]. You may also contact Global Rights directly through Elsevier’s home page (www.elsevier.com), selecting first ‘Support & contact’, then ‘Copyright & permission’. In the USA, users may clear permissions and make payments through the Copyright Clearance Center, Inc., 222 Rosewood Drive, Danvers, MA 01923, USA; phone: +1 978 750 8400, fax: +1 978 750 4744, and in the UK through the Copyright Licensing Agency Rapid Clearance Service (CLARCS), 90 Tottenham Court Road, London W1P 0LP, UK; phone: +44 (0)20 7631 5555; fax: +44 (0)20 7631 5500. Other countries may have a local reprographic rights agency for payments. Derivative Works Subscribers may reproduce tables of contents or prepare lists of articles including abstracts for internal circulation within their institutions. Permission of the Publisher is required for resale or distribution outside the institution. Permission of the Publisher is required for all other derivative works, including compilations and translations. Electronic Storage or Usage Permission of the Publisher is required to store or use electronically any material contained in this journal, including any article or part of an article. Except as outlined above, no part of this publication may be reproduced, stored in a retrieval system or transmitted in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without prior written permission of the Publisher. Address permissions requests to: Elsevier Science Global Rights Department, at the mail, fax and email addresses noted above. Notice No responsibility is assumed by the Publisher for any injury and/ or damage to persons or property as a matter of products liability, negligence or otherwise, or from any use or operation of any methods, products, instructions or ideas contained in the material herein. Because of rapid advances in the medical sciences, in particular, independent verification of diagnoses and drug dosages should be made. Although all advertising material is expected to conform to ethical (medical) standards, inclusion in this publication does not constitute a guarantee or endorsement of the quality or value of such product or of the claims made of it by its manufacturer.
12985 Digitally Produced by
Mayfield Press (Oxford) Ltd
2
Biometric Technology Today
...Continued from front page the system will be fully operative in January with more than 250.000 active clients. For FacePhi, this agreement means a boost in its expansion plan in Latin America and in the financial sector. At the same time, it is in negotiations with the banking association in Peru, Asbanc and with other regional institutions. Technological manager of Grupo Mutual Juan Carlos Miranda said, “Facial recognition technology is the most single way to ensure the passwords and access of the clients and it lets us to avoid the banking fraud by phishing, which is one of our biggest concerns”. Biometric Update reports that Bill Gates, cochair of the Bill & Melinda Gates Foundation, recently said his foundation was ready to partner with the banking industry to develop affordable digital payments and biometric identity authorisation services via mobile phones to individuals in emerging countries. However Andrei Charniauski, research manager, IDC Financial Insights, points out that biometric identification in financial applications is a relatively young and experimental business. “While improving authorization experience is attractive and will help adoption of mobile banking services, financial institutions should not just blindly commit to mass market biometric identification solutions, especially those provided by third parties via publiclyavailable APIs,” says Charniauski. “It is going to take several years for the financial industry to assess safety levels. Until then, the best approach is to use two-factor authentication in mobile applications.”
wearables
Wearables to drive second wave of biometric adoption
W
earable devices will drive the second wave of consumer biometric authentication adoption from 2015 as biometrics in smart mobile devices become mainstream, predicts Goode Intelligence. An update to its report ‘Mobile and Wearable Biometric Authentication: Market Analysis and Forecasts 2014-2019’ forecasts that by 2019 there will be 604m users of wearable biometric technology globally. This comes as Microsoft announced a $199 fitness Band that will work with the Microsoft Health system for consolidating health and fitness data from various gadgets and mobile
Microsoft’s $199 fitness Band.
apps. Microsoft Health will work with competing phones, not just those running Windows. The next wave of consumer-led biometric adoption will be led by integration into wearable technology – smart watches, bands, ear-pods, jewellery and glasses. The wearable device, thanks to its biometric capability, will become the prime personal authentication device allowing authentication and identity verification for both the physical and logical worlds, according to Goode Intelligence. “We believe that smartphones and tablets will be the first wave of consumer devices to be biometrically-enabled and this will quickly be followed by wearable technology,” said Alan Goode, author of the report and founder of Goode Intelligence. The release of the Microsoft Band comes weeks before the debut of Apple Watch. Microsoft Band appears focused on fitness tracking and does not at this stage use biometrics for authentication. Band will also offer previews of incoming emails and alerts on calendar events, along with weather and other information requested through the Cortana virtual assistant.
borders
Securiport combines biometrics with contact tracing to combat Ebola
B
iometric immigration control systems supplier Securiport is supporting the fight against the Ebola virus in West Africa by providing advanced biometric screening technologies along with contact tracing data analytics to help governments and health organisations monitor and control the spread of the virus, mitigate the health risks and decrease the economic impact. Securiport’s immigration control systems are now in place across seven West African nations. “One of the more complex challenges in the fight against the spread of Ebola is managing the flow of infected individuals from one country to the next,” said Anibal Cheble, general manager of Securiport Sierra Leone. “Our intelligent biometric technology and data analytics
November/December 2014
www.biometrics-today.com
ISSN 0969-4765 November/December 2014
payments
Contents
MasterCard and Zwipe launch fingerprint payment card as Alipay looks to biometrics
M
asterCard and Norwegian firm Zwipe have partnered to launch a contactless payment card featuring an integrated fingerprint sensor. The launch of the card comes after a successful live pilot with Norway’s Sparebanken DIN and as Alipay, China’s largest electronic payments service, looks to biometric technology too. The Zwipe MasterCard payment card is billed as the world’s first fingerprint authenticated contactless payment card. It includes an integrated biometric sensor and the Zwipe secure biometric authentication technology that holds the cardholder’s biometric data. It contains an EMV certified secure element and MasterCard’s contactless application. Cardholder fingerprint data is stored directly on the card, not in an external database. After activation by a fingerprint scan, usually of the thumb, the Zwipe MasterCard card can be used to make contactless payments. The biometric authentication replaces PIN entry, enabling cardholders to make payments of any amount. Ajay Bhalla, president of enterprise security solutions at MasterCard, said, “Our belief is that we should be able to identify ourselves without having to use passwords or PIN numbers. Biometric authentication can help
Zwipe contactless payment card features an integrated fingerprint sensor.
us achieve this. However, our challenge is to ensure the technology offers robust security, simplicity of use and convenience for the customer. Zwipe’s first trial is a significant milestone and its results are very encouraging.” Alipay, China’s largest electronic-payments service, run by the financial affiliate of e-commerce giant Alibaba Group Holding, is focusing on technologies that use biometrics to identify users, reports the Wall Street Journal blog. “Biological identification will become very important in the future,” Cao Kai, a senior director of Zhejiang Ant Small & Micro Financial Services Group, the Alibaba affiliate that owns Alipay, is reported as saying at a conference the group hosted. At the conference Alipay set up a store cashier equipped with fingerprint sensors, where people could pay for goods using Alipay Wallet’s biometric-identification feature.
IDC analyst sounds note of caution as banking sector embraces biometrics
T
he financial sector worldwide continued to take biometric technology to its heart in Autumn 2014, but IDC analyst Andrei Charniauski has sounded a note of caution. According to Gulf News, Abu Dhabi Commercial Bank is turning to voice biometrics from Nuance Communications to authenticate its customers’ identity. ADCB is offering voice biometrics in Arabic, English and Hindi.
TODAY
biometric
Facial recognition technology firm FacePhi is to install a facial recognition system in the mobile banking service of the Grupo Mutual financial institution of Costa Rica by the end of 2014. Grupo Mutual will use the facial biometrics system to ensure the security of its clients when they access to their account through online banking. Grupo Mutual is to carry out tests with employees and clients, so Continued on page 2...
News MasterCard and Zwipe launch fingerprint payment card as Alipay looks to biometrics 1 IDC analyst sounds note of caution as banking sector embraces biometrics
1
Wearables to drive second wave of biometric adoption
2
Securiport combines biometrics with contact tracing to combat Ebola
2
INTERPOL meets to develop facial recognition standards
3
UK Biometrics Commissioner seeks to strengthen early deletion rights
3
US and NZ police forces roll out mobile fingerprint biometrics
3
Dubai police plan to deploy Google Glass facial recognition
12
UK Jobcentre rolls out electronic signing pads with recognition
12
Intel invests in Chinese biometrics
12
Features Setting standards for evaluation and testing
5
Steve Mansfield-Devine reports on efforts to create certification frameworks for evaluation and testing of the performance of biometric solutions. 2014 – a year in biometrics
9
Tracey Caldwell reviews the development of the biometrics industry in 2014. Regulars Events Calendar
3
News in Brief
4
Product News
4
Company News
4
Comment
12
Visit us online @ www.biometrics-today.com
ISSN 0969-4765/14 © 2014 Elsevier Ltd. All rights reserved. This journal and the individual contributions contained in it are protected under copyright by Elsevier Ltd, and the following terms and conditions apply to their use: Photocopying Single photocopies of single articles may be made for personal use as allowed by national copyright laws. Permission of the publisher and payment of a fee is required for all other photocopying, including multiple or systematic copying, copying for advertising or promotional purposes, resale, and all forms of document delivery. Special rates are available for educational institutions that wish to make photocopies for non-profit educational classroom use.
NEWS
Editorial Office: Elsevier Ltd The Boulevard Langford Lane Kidlington Oxford OX5 1GB, UK Fax: +44 (0) 1865 843973 Email: [email protected] Website: www.biometrics-today.com Publisher: David Hopwood Editor: Tracey Caldwell Email: [email protected] Production Support Manager: Lin Lucas Email: [email protected] Subscription Information An annual subscription to Biometric Technology Today includes 10 issues and online access for up to 5 users. Prices: 1209 for all European countries & Iran US$1307 for all countries except Europe and Japan ¥160 700 for Japan (Prices valid until 31 December 2014) To subscribe send payment to the address above. Tel: +44 (0)1865 843687 or via www.biometrics-today.com Subscriptions run for 12 months, from the date payment is received. This newsletter and the individual contributions contained in it are protected under copyright by Elsevier Ltd, and the following terms and conditions apply to their use: Permissions may be sought directly from Elsevier Global Rights Department, PO Box 800, Oxford OX5 1DX, UK; phone: +44 1865 843830, fax: +44 1865 853333, email: [email protected]. You may also contact Global Rights directly through Elsevier’s home page (www.elsevier.com), selecting first ‘Support & contact’, then ‘Copyright & permission’. In the USA, users may clear permissions and make payments through the Copyright Clearance Center, Inc., 222 Rosewood Drive, Danvers, MA 01923, USA; phone: +1 978 750 8400, fax: +1 978 750 4744, and in the UK through the Copyright Licensing Agency Rapid Clearance Service (CLARCS), 90 Tottenham Court Road, London W1P 0LP, UK; phone: +44 (0)20 7631 5555; fax: +44 (0)20 7631 5500. Other countries may have a local reprographic rights agency for payments. Derivative Works Subscribers may reproduce tables of contents or prepare lists of articles including abstracts for internal circulation within their institutions. Permission of the Publisher is required for resale or distribution outside the institution. Permission of the Publisher is required for all other derivative works, including compilations and translations. Electronic Storage or Usage Permission of the Publisher is required to store or use electronically any material contained in this journal, including any article or part of an article. Except as outlined above, no part of this publication may be reproduced, stored in a retrieval system or transmitted in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without prior written permission of the Publisher. Address permissions requests to: Elsevier Science Global Rights Department, at the mail, fax and email addresses noted above. Notice No responsibility is assumed by the Publisher for any injury and/ or damage to persons or property as a matter of products liability, negligence or otherwise, or from any use or operation of any methods, products, instructions or ideas contained in the material herein. Because of rapid advances in the medical sciences, in particular, independent verification of diagnoses and drug dosages should be made. Although all advertising material is expected to conform to ethical (medical) standards, inclusion in this publication does not constitute a guarantee or endorsement of the quality or value of such product or of the claims made of it by its manufacturer.
12985 Digitally Produced by
Mayfield Press (Oxford) Ltd
2
Biometric Technology Today
...Continued from front page the system will be fully operative in January with more than 250.000 active clients. For FacePhi, this agreement means a boost in its expansion plan in Latin America and in the financial sector. At the same time, it is in negotiations with the banking association in Peru, Asbanc and with other regional institutions. Technological manager of Grupo Mutual Juan Carlos Miranda said, “Facial recognition technology is the most single way to ensure the passwords and access of the clients and it lets us to avoid the banking fraud by phishing, which is one of our biggest concerns”. Biometric Update reports that Bill Gates, cochair of the Bill & Melinda Gates Foundation, recently said his foundation was ready to partner with the banking industry to develop affordable digital payments and biometric identity authorisation services via mobile phones to individuals in emerging countries. However Andrei Charniauski, research manager, IDC Financial Insights, points out that biometric identification in financial applications is a relatively young and experimental business. “While improving authorization experience is attractive and will help adoption of mobile banking services, financial institutions should not just blindly commit to mass market biometric identification solutions, especially those provided by third parties via publiclyavailable APIs,” says Charniauski. “It is going to take several years for the financial industry to assess safety levels. Until then, the best approach is to use two-factor authentication in mobile applications.”
wearables
Wearables to drive second wave of biometric adoption
W
earable devices will drive the second wave of consumer biometric authentication adoption from 2015 as biometrics in smart mobile devices become mainstream, predicts Goode Intelligence. An update to its report ‘Mobile and Wearable Biometric Authentication: Market Analysis and Forecasts 2014-2019’ forecasts that by 2019 there will be 604m users of wearable biometric technology globally. This comes as Microsoft announced a $199 fitness Band that will work with the Microsoft Health system for consolidating health and fitness data from various gadgets and mobile
Microsoft’s $199 fitness Band.
apps. Microsoft Health will work with competing phones, not just those running Windows. The next wave of consumer-led biometric adoption will be led by integration into wearable technology – smart watches, bands, ear-pods, jewellery and glasses. The wearable device, thanks to its biometric capability, will become the prime personal authentication device allowing authentication and identity verification for both the physical and logical worlds, according to Goode Intelligence. “We believe that smartphones and tablets will be the first wave of consumer devices to be biometrically-enabled and this will quickly be followed by wearable technology,” said Alan Goode, author of the report and founder of Goode Intelligence. The release of the Microsoft Band comes weeks before the debut of Apple Watch. Microsoft Band appears focused on fitness tracking and does not at this stage use biometrics for authentication. Band will also offer previews of incoming emails and alerts on calendar events, along with weather and other information requested through the Cortana virtual assistant.
borders
Securiport combines biometrics with contact tracing to combat Ebola
B
iometric immigration control systems supplier Securiport is supporting the fight against the Ebola virus in West Africa by providing advanced biometric screening technologies along with contact tracing data analytics to help governments and health organisations monitor and control the spread of the virus, mitigate the health risks and decrease the economic impact. Securiport’s immigration control systems are now in place across seven West African nations. “One of the more complex challenges in the fight against the spread of Ebola is managing the flow of infected individuals from one country to the next,” said Anibal Cheble, general manager of Securiport Sierra Leone. “Our intelligent biometric technology and data analytics
November/December 2014