EMV card with fingerprint biometrics - Introducing the biometric payment card

                      ?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
                      • n?o upgrade is required on the POS, as the biometrics check is directly performed on the EMV biometric card and nowhere else?

                      Biometric card: 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 smartphone brands.

                      Communication about this aspect is certainly key for customers.

                      biometric card The Gemalto biometric credit card combines a fingerprint sensor 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 an e-Ink display on the card body.  

                      Biometrics is also compatible with the ISO dimensions of the card.

                      The result? 

                      The biometric payment card can also be used at the ATM with a PIN code.

                      There's more.

                      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 identification method

                      A PIN code can be shared by the genuine cardholder, but biometric 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 card. 

                      No change on the EMV payment performance, but a very robust identification of the cardholder.

                      Fingerprints and identity:  According to calculations made by Sir F. Galton (Darwin's cousin), the probability of finding two similar fingerprints is one in 64 billion even with identical twins. 

                      More resources



                      RBS/NatWest is the 1st UK bank group to unveil EMV biometric payment cards??

                      In partnership with Gemalto – a Thales company, RBS/NatWest is the 1st UK bank group to unveil EMV biometric payment cards.

                      RBS Group adopts fingerprint biometric contactless payment cards?

                      They launched a three-month national trial with VISA debit cards in April 2019 with 200 customers, which allowed to confirm the benefits of the new fingerprint card.

                      In financial services, biometrics are gaining ground as a secure and convenient alternative to passwords and PINs. This technology has the potential to make the lives of consumers easier and provides greater choice to confirm their identity. At Visa we’re committed to working with partners to develop and invest in emerging capabilities that deliver a better, more secure payment experience for consumers Jeni Mundy, managing director, UK & Ireland, Visa

                      RBS/NatWest/Coutts successfully deployed a second pilot from the 7th of October 2019 with Mastercard credit cards with 150 customers, to test the technology further and its potential.

                      Feeling confident that your information is protected is paramount,”. “That's why we're delighted to partner with NatWest_Help and Gemalto to pilot the first biometric fingerprint credit card issued by a UK bank. Bob Reany, EVP, MasterCard



                      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 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


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