当時、apple payがローンチした直後で、米国でのNFCを利用したペイメントの伸びが期待されていたところもあり、社内で議論するペーパーとして用意したもの。現状apple payは思うように伸びてはいないが、本質はその認証の仕組みにあるということでAuthentication/identification(個人認証)をテーマにしている。

1. Nov. 2015
(originally published Sept. 2014)
Daisuke Minamide
AUTHENTICATION
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2. IN THE PAST...
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3. NOW
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4. Ugly UI and Disastrous UX
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5. BIOMETRICS
facial recognition
iris scan
voice recognition
palm print
DNA
fingerprint
expected to be the
most practical
option
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6. TOUCH ID BY APPLE
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7. THE BIGGEST APPLICATION OF
TOUCH ID
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8. HOW IT WORKS?
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9. OTHER APPLICATIONS
contracts/agreements
Keys
government service
financial service
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10. OTHER TECH MIGHT BE WORTH
LOOKING INTO
Apple took
this part
Mic for
voice
recognition
camera for
face recognition/
iris scan
inside
sensors;
e.g. gyro for walking
recognition
the key to success is
UX x developer ecosystem
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11. CARDIOGRAPH AUTHENTICATION
Bionym
company: Bionym, Inc.
investment: $14M(Sept. 14)
investor: Salesforce,Mastercard, EDC
location: Toronto, Canada
URS: http://www.getnymi.com/
Business:
•selling the product called Nymi which can
track and identify users by cardiograph info.
•connecting any devices/software via BLE
and allow those use authentication data
from Nymi
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12. EMOTION TRACKING BY FACIAL
RECOGNITION
company: Emotient, Inc.
investment: $6M(Series B, Mar 14)
investor: Intel Capital
location: San Diego, CA
URS: http://www.emotient.com/
Business:
•developing facial emotion recognition and
analysis and targeting to B.
•easily deployed to the security camera in
retail store and see if customers satisfy with
product/service/etc.
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13. BLOCKCHAIN BASED
AUTHENTICATION TECH(NEWLY ADDED)
company: ShoCard, Inc.
investment: $1.5M(Seed, Jul 15)
investor: AME Cloud Ventures, Enspire Capital
location: Palo Alto, CA
URS: http://www.shocard.com/
Business:
•certifies and stores ID documents into
blockchain
•once create ShoCard, mobile app will generate
a private/public key to seal the record.
•the platform allows EC to identify each
customers without any destructing action.
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14. • using not only its proprietary technology but the center position of
its vertically integrated ecosystem, Apple will be in the strongest
position security sensitive application incld payment.
• although it s vulnerable relying on one system, using Apple s these
type of authentication tech would resolve huge problems which
haven t been tackled such as Vote, Governmental Service, Passport
control, etc.
• as of now in Nov. 2015, apple pay hasn t been getting traction yet
in payment nor other applications. indicating the usability of apple
pay haven t yet been making better experience than just taking a
plastic card.
SUMMARY
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15. APENDIX
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16. mobile
carrier
Apple
Google
Felica
bank
financial
institute
secure element is the key
to take initiative of every
transaction thru NFC
this is the reason why Apple
can charge every single
transaction fee to financial
institution as Apple provides
secure way of transaction
HOW THE COMPETITION CONSIST OF IN NFC?
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17. WHAT HAVE GOOGLE BEEN DOING
May in 2011 Nov in 2013
available in 160 countries
5M download(13 Feb)
only 1 integrated app(14 Feb)
google wallet google wallet credit/debit card
Not Grown as expected
Why?
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18. SECURITY AND USER EXPERIENCE
User Experience Security
Google migrated secure element into
cloud as emulation due to the sever
pressure from players who want to
control mobile payment. because of
this, security concern rises.
no innovative way old fashioned way secure element
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19. ALREADY TOUCH ID INTEGRATED APP
(AS OF JUL. 2014)
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20. the first phone w/ fingerprint reader was
launched in 2003 from Fujitsu. it s over a
decade ago...
BTW...
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