- Email: [email protected]
Visa works with Morpho while Checkout goes global
NEWS
Editorial Office: Elsevier Ltd The Boulevard Langford Lane Kidlington Oxford OX5 1GB, UK Tel: +44 1865 843239 Email: [email protected] Website: www.biometrics-today.com Publishing Director: Bethan Keall 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: 1343 for all European countries & Iran US$1452 for all countries except Europe and Japan ¥178 500 for Japan Subscriptions run for 12 months, from the date payment is received. More information: http://store.elsevier.com/product.jsp?isbn=09694765 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 “Biometric smartphone prices have dropped dramatically as new low-end options expand adoption, especially in emerging markets,” adds Most. “Since Fujitsu introduced the Arrows XF-02 models in February 2013, and Apple the groundbreaking iPhone 5S in September 2013, the quarterly average price of biometric smartphones has plunged from $800 to just $251. This includes 28 models introduced since May 2014 selling for $150 or less. “While 93% of all biometric smartphone models run Google’s Android OS and Fingerprint Cards sensors are used in more than 60% of current models, Apple maintains a dominant 45% total device and fingerprint sensor market share. This is, however, about to change as an onslaught of Android-based Chinese phones along with aggressive plans by Chinese sensor manufacturers alter the market landscape during 2016,” Most says.
wearables (6%). Mentions of wearables in the last quarter of 2015 were more than 30 times higher than in the first quarter of the year. UÊ >ÃÌiÀ >À`ÊÃÊÌi>}ÊÕ«ÊÜÌ Ê/ iÊ iÜÊ School’s Parsons School of Design to bring a design-led approach to payments technology. In a ‘Fashion and Design Hack’ sponsored by the two organisations, teams of students will compete to develop solutions and build prototypes for connected commerce by embedding payments functionality into products, new designs or concepts. Consumers saw some of the possibilities in the forms of connected key fobs, a payment-enabled dress and other smart accessories late last year when MasterCard introduced its Commerce for Every Device programmes.
90% of Dutch shoppers prefer biometrics to passwords
payments
MasterCard study: consumers are embracing the next generation of payments
T
he end of passwords and biometrics were among the most engaging payment topics on social media in 2015, reflected in social conversations in 163 countries around the world, according to a study commissioned by MasterCard. Fingerprint and electrocardiogram (ECG) paymentsrelated technology became an engaging topic for users throughout the year, while facial recognition (selfie pays) remained a top driver (55%) of biometrics-focused conversation. The fourth annual MasterCard Mobile Payments Study, developed in partnership with Prime Research, tracked 2m global social media posts about mobile payments across Twitter, Facebook, Instagram, Forums, Google+ and YouTube, up from 85,000 posts in 2012. Supporting this increased interest was a continued positive sentiment about mobile payments technology, continuing a two-year trend. Digital wallets including Apple Pay, Samsung Pay, Android Pay and MasterPass dominated mobile payments conversations in 2015 (97%), centred on product launches, service improvements and how users are evaluating them. Outside of digital wallet discussions, contactless cards (47%) drove conversations, followed by biometrics (33%), personal payments (14%) and
N
ine out of 10 the Dutch participants of the first worldwide pilot by MasterCard and International Card Services (ICS) to allow consumers to pay online authenticated by fingerprint or facial recognition indicated that they would like to replace their password with biometric identification. The Dutch participants of the first worldwide test by MasterCard and ICS were mostly positive about the ease of use of biometric payments. Of those surveyed, 95% of the fingerprint users and 80% of the facial recognition users said that shopping became more convenient using biometric authentication. Almost 75% of users are convinced that biometric payments will decrease fraud. The 750 ABN AMRO cardholders have been able to complete their online purchases without pin codes, passwords or confirmation codes over six months. The pilot in the Netherlands has led to commercial interest from around the world – MasterCard will be launching this technology in the US, Canada and parts of Europe in the summer of 2016.
Visa works with Morpho while Checkout goes global
V
isa’s online payment service, Visa Checkout, will be rolled out to merchants and consumers across France, India, Ireland, Poland, Spain and the UK this year. In addition, Visa demonstrated
March 2016
NEWS how biometrics and in-vehicle integrations are being incorporated into Visa Checkout at Mobile World Congress. “The incredible growth in connected commerce makes this the perfect time to bring Visa Checkout to the hundreds of millions of connected consumers using mobile devices across Europe and India today,” says Sam Shrauger, senior vice president of digital solutions, Visa Inc. “Following the successful launch and growth of Visa Checkout in many countries last year – including Brazil, China, Mexico, New Zealand and Singapore – we’re continuing our momentum in 2016, with the long term vision of making it easier for consumers to use their Visa cards on any device, anywhere in the world.” Separately, biometric technology supplier Morpho and Visa are working together to explore several new payment concepts, which were co-demonstrated by the two companies at Mobile World Congress. Some of the demonstrations included biometrics for proximity payments, including the use of MorphoWave technology, a biometric solution capturing and matching four fingerprints with a single hand movement in less than a second. Anne Bouverot, CEO of Morpho, says: “In addition to touchless fingerprint recognition for proximity payments, we are incorporating facial recognition capability into smartphones and tablets, enabling users to validate payments through a simple selfie.” According to the global market research firm TrendForce, by the end of 2016 total revenue of the worldwide mobile payment market is estimated to total $620bn, representing an annual growth of 37.8%. Biometrics are in the top three technologies that will do the most to transform e-commerce this year, according to the findings of Juniper Research. It revealed the top three disruptive technologies are biometrics, federated identity and tokenisation. Juniper Research’s report, ‘Top 10 Disruptive Technologies in Fintech: 2016’ concludes that the technology making the biggest difference to payment completion today is biometrics, largely thanks to the proliferation of fingerprint readers in smartphones.
banking
HSBC to offer biometric authentication to 15m customers
H
SBC and its internet and phone banking arm first direct are rolling out voice biometric security technology in the UK. Alongside the rollout of touch ID for mobile banking
EVENTS CALENDAR 19–20 April 2016 Security & Counter Terror Expo 2016
Stuart Dorman, Sabio: HSBC’s mainstream biometrics adoption will help drive other service providers to catch up.
customers, the technology will aim to offer a secure banking experience for 15m customers by the summer. The new security processes will enable customers to access their accounts using a mobile app or telephone banking through voice and fingerprint verification of an their identity. The rollout comes after several other UK banks have adopted biometric technology, including Barclays, RBS, NatWest and startup Atom Bank. HSBC UK’s head of retail banking and wealth management, Francesca McDonagh says: “This is the largest planned roll out of voice biometric security technology in the UK.” The launch of biometric technology for HSBC and first direct is supported by online consumer research findings from research firm YouGov which reveal over a third (37%) of consumers agree traditional passwords have become an outdated security measure. The YouGov research also revealed over a third (38%) of people tend to use the same password across most of their online accounts, and over half (55%) say that they rarely update their passwords. The voice biometrics technology implemented by HSBC and first direct works by cross-checking against over 100 unique identifiers and includes both behavioural features such as speed, cadence and pronunciation and physical aspects including the shape of larynx, vocal tract and nasal passages. Customers that choose to opt in enrol their voice print and are no longer required to remember or recite their telephone security password letters or PIN. HSBC and first direct have also enabled their mobile banking apps with Apple’s touch ID. First direct will begin to enrol customers for voice ID and will be followed by HSBC by the summer. Continued on page 12...
Olympia, London Security & Counter Terror Expo (formerly Counter Terror Expo) is the event for any professional tasked with protecting assets, business, people and nations from terrorism. It attracts over 9,000 attendees from across the globe together to see the latest technology, hear about the latest developments, share best practice and ensure that their threat mitigation strategies are effective. The free-to-attend exhibition features over 300 leading suppliers, many showcasing some of the most technologically advanced solutions in preventing terrorism. Running alongside the exhibition are several free-to-attend conferences and seminar areas. A highlevel strategic paid-for conference also sits alongside SCTX, attracting hundreds of senior security, police, government and military professionals. More information: http://www.counterterrorexpo.com
10–12 May 2016 SDW 2016 Westminster, London Security Document World – the globally focused document security show – focuses on ePassports, visas, driving licences, national IDs, worker credentials, advanced border control, anti-counterfeiting and fraud detection. The event will provide a global showcase for next-generation human identity solutions, focusing on intrinsic document security and on the new cutting-edge secure infrastructure now required to produce and use these advanced documents in live situations. More information: http://www.sciencemediapartners.com
10–12 May 2016 2016 IEEE Symposium on Technologies for Homeland Security (HST ’16) Boston, US This symposium brings together innovators from academic, industry, business, Homeland Security Centers of Excellence, and government programmes to provide a forum to discuss ideas, concepts and experimental results. Produced by IEEE with technical support from DHS, S&T, IEEE, IEEE Boston Section, and IEEE-USA and organisational support from MIT Lincoln Laboratory, Raytheon, Battelle, and MITRE, this year’s event will once again showcase selected technical papers and posters highlighting emerging technologies in the areas of: cyber security, biometrics and forensics, land and maritime border security, attack and disaster preparation, recovery and response. More information: http://ieee-hst.org
18–20 October 2016 Biometrics 2016 Westminster, London This event offers three days of practical advice, tips and solutions for using biometric technology for managing identity and increasing efficiency within government and commercial applications. Speakers involved in large-scale government projects will mix with those from mainstream customer-facing applications such as mobiles and payments to give a comprehensive insight into current projects and future challenges. The exhibition and free seminars will run 19-20 October. More information: http://www.biometricsandidentity.com
3 March 2016
Biometric Technology Today
Editorial Office: Elsevier Ltd The Boulevard Langford Lane Kidlington Oxford OX5 1GB, UK Tel: +44 1865 843239 Email: [email protected] Website: www.biometrics-today.com Publishing Director: Bethan Keall 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: 1343 for all European countries & Iran US$1452 for all countries except Europe and Japan ¥178 500 for Japan Subscriptions run for 12 months, from the date payment is received. More information: http://store.elsevier.com/product.jsp?isbn=09694765 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 “Biometric smartphone prices have dropped dramatically as new low-end options expand adoption, especially in emerging markets,” adds Most. “Since Fujitsu introduced the Arrows XF-02 models in February 2013, and Apple the groundbreaking iPhone 5S in September 2013, the quarterly average price of biometric smartphones has plunged from $800 to just $251. This includes 28 models introduced since May 2014 selling for $150 or less. “While 93% of all biometric smartphone models run Google’s Android OS and Fingerprint Cards sensors are used in more than 60% of current models, Apple maintains a dominant 45% total device and fingerprint sensor market share. This is, however, about to change as an onslaught of Android-based Chinese phones along with aggressive plans by Chinese sensor manufacturers alter the market landscape during 2016,” Most says.
wearables (6%). Mentions of wearables in the last quarter of 2015 were more than 30 times higher than in the first quarter of the year. UÊ >ÃÌiÀ >À`ÊÃÊÌi>}ÊÕ«ÊÜÌ Ê/ iÊ iÜÊ School’s Parsons School of Design to bring a design-led approach to payments technology. In a ‘Fashion and Design Hack’ sponsored by the two organisations, teams of students will compete to develop solutions and build prototypes for connected commerce by embedding payments functionality into products, new designs or concepts. Consumers saw some of the possibilities in the forms of connected key fobs, a payment-enabled dress and other smart accessories late last year when MasterCard introduced its Commerce for Every Device programmes.
90% of Dutch shoppers prefer biometrics to passwords
payments
MasterCard study: consumers are embracing the next generation of payments
T
he end of passwords and biometrics were among the most engaging payment topics on social media in 2015, reflected in social conversations in 163 countries around the world, according to a study commissioned by MasterCard. Fingerprint and electrocardiogram (ECG) paymentsrelated technology became an engaging topic for users throughout the year, while facial recognition (selfie pays) remained a top driver (55%) of biometrics-focused conversation. The fourth annual MasterCard Mobile Payments Study, developed in partnership with Prime Research, tracked 2m global social media posts about mobile payments across Twitter, Facebook, Instagram, Forums, Google+ and YouTube, up from 85,000 posts in 2012. Supporting this increased interest was a continued positive sentiment about mobile payments technology, continuing a two-year trend. Digital wallets including Apple Pay, Samsung Pay, Android Pay and MasterPass dominated mobile payments conversations in 2015 (97%), centred on product launches, service improvements and how users are evaluating them. Outside of digital wallet discussions, contactless cards (47%) drove conversations, followed by biometrics (33%), personal payments (14%) and
N
ine out of 10 the Dutch participants of the first worldwide pilot by MasterCard and International Card Services (ICS) to allow consumers to pay online authenticated by fingerprint or facial recognition indicated that they would like to replace their password with biometric identification. The Dutch participants of the first worldwide test by MasterCard and ICS were mostly positive about the ease of use of biometric payments. Of those surveyed, 95% of the fingerprint users and 80% of the facial recognition users said that shopping became more convenient using biometric authentication. Almost 75% of users are convinced that biometric payments will decrease fraud. The 750 ABN AMRO cardholders have been able to complete their online purchases without pin codes, passwords or confirmation codes over six months. The pilot in the Netherlands has led to commercial interest from around the world – MasterCard will be launching this technology in the US, Canada and parts of Europe in the summer of 2016.
Visa works with Morpho while Checkout goes global
V
isa’s online payment service, Visa Checkout, will be rolled out to merchants and consumers across France, India, Ireland, Poland, Spain and the UK this year. In addition, Visa demonstrated
March 2016
NEWS how biometrics and in-vehicle integrations are being incorporated into Visa Checkout at Mobile World Congress. “The incredible growth in connected commerce makes this the perfect time to bring Visa Checkout to the hundreds of millions of connected consumers using mobile devices across Europe and India today,” says Sam Shrauger, senior vice president of digital solutions, Visa Inc. “Following the successful launch and growth of Visa Checkout in many countries last year – including Brazil, China, Mexico, New Zealand and Singapore – we’re continuing our momentum in 2016, with the long term vision of making it easier for consumers to use their Visa cards on any device, anywhere in the world.” Separately, biometric technology supplier Morpho and Visa are working together to explore several new payment concepts, which were co-demonstrated by the two companies at Mobile World Congress. Some of the demonstrations included biometrics for proximity payments, including the use of MorphoWave technology, a biometric solution capturing and matching four fingerprints with a single hand movement in less than a second. Anne Bouverot, CEO of Morpho, says: “In addition to touchless fingerprint recognition for proximity payments, we are incorporating facial recognition capability into smartphones and tablets, enabling users to validate payments through a simple selfie.” According to the global market research firm TrendForce, by the end of 2016 total revenue of the worldwide mobile payment market is estimated to total $620bn, representing an annual growth of 37.8%. Biometrics are in the top three technologies that will do the most to transform e-commerce this year, according to the findings of Juniper Research. It revealed the top three disruptive technologies are biometrics, federated identity and tokenisation. Juniper Research’s report, ‘Top 10 Disruptive Technologies in Fintech: 2016’ concludes that the technology making the biggest difference to payment completion today is biometrics, largely thanks to the proliferation of fingerprint readers in smartphones.
banking
HSBC to offer biometric authentication to 15m customers
H
SBC and its internet and phone banking arm first direct are rolling out voice biometric security technology in the UK. Alongside the rollout of touch ID for mobile banking
EVENTS CALENDAR 19–20 April 2016 Security & Counter Terror Expo 2016
Stuart Dorman, Sabio: HSBC’s mainstream biometrics adoption will help drive other service providers to catch up.
customers, the technology will aim to offer a secure banking experience for 15m customers by the summer. The new security processes will enable customers to access their accounts using a mobile app or telephone banking through voice and fingerprint verification of an their identity. The rollout comes after several other UK banks have adopted biometric technology, including Barclays, RBS, NatWest and startup Atom Bank. HSBC UK’s head of retail banking and wealth management, Francesca McDonagh says: “This is the largest planned roll out of voice biometric security technology in the UK.” The launch of biometric technology for HSBC and first direct is supported by online consumer research findings from research firm YouGov which reveal over a third (37%) of consumers agree traditional passwords have become an outdated security measure. The YouGov research also revealed over a third (38%) of people tend to use the same password across most of their online accounts, and over half (55%) say that they rarely update their passwords. The voice biometrics technology implemented by HSBC and first direct works by cross-checking against over 100 unique identifiers and includes both behavioural features such as speed, cadence and pronunciation and physical aspects including the shape of larynx, vocal tract and nasal passages. Customers that choose to opt in enrol their voice print and are no longer required to remember or recite their telephone security password letters or PIN. HSBC and first direct have also enabled their mobile banking apps with Apple’s touch ID. First direct will begin to enrol customers for voice ID and will be followed by HSBC by the summer. Continued on page 12...
Olympia, London Security & Counter Terror Expo (formerly Counter Terror Expo) is the event for any professional tasked with protecting assets, business, people and nations from terrorism. It attracts over 9,000 attendees from across the globe together to see the latest technology, hear about the latest developments, share best practice and ensure that their threat mitigation strategies are effective. The free-to-attend exhibition features over 300 leading suppliers, many showcasing some of the most technologically advanced solutions in preventing terrorism. Running alongside the exhibition are several free-to-attend conferences and seminar areas. A highlevel strategic paid-for conference also sits alongside SCTX, attracting hundreds of senior security, police, government and military professionals. More information: http://www.counterterrorexpo.com
10–12 May 2016 SDW 2016 Westminster, London Security Document World – the globally focused document security show – focuses on ePassports, visas, driving licences, national IDs, worker credentials, advanced border control, anti-counterfeiting and fraud detection. The event will provide a global showcase for next-generation human identity solutions, focusing on intrinsic document security and on the new cutting-edge secure infrastructure now required to produce and use these advanced documents in live situations. More information: http://www.sciencemediapartners.com
10–12 May 2016 2016 IEEE Symposium on Technologies for Homeland Security (HST ’16) Boston, US This symposium brings together innovators from academic, industry, business, Homeland Security Centers of Excellence, and government programmes to provide a forum to discuss ideas, concepts and experimental results. Produced by IEEE with technical support from DHS, S&T, IEEE, IEEE Boston Section, and IEEE-USA and organisational support from MIT Lincoln Laboratory, Raytheon, Battelle, and MITRE, this year’s event will once again showcase selected technical papers and posters highlighting emerging technologies in the areas of: cyber security, biometrics and forensics, land and maritime border security, attack and disaster preparation, recovery and response. More information: http://ieee-hst.org
18–20 October 2016 Biometrics 2016 Westminster, London This event offers three days of practical advice, tips and solutions for using biometric technology for managing identity and increasing efficiency within government and commercial applications. Speakers involved in large-scale government projects will mix with those from mainstream customer-facing applications such as mobiles and payments to give a comprehensive insight into current projects and future challenges. The exhibition and free seminars will run 19-20 October. More information: http://www.biometricsandidentity.com
3 March 2016
Biometric Technology Today