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How will biometric payment overcome consumer fears over privacy and contactless?

This presentation introduces biometrics, compare various biometric systems implementations, application requirements and user privacy protection levels, as well as examine the regulatory compliance requirements such as the European Union’s General Data Protection Regulation (GDPR).

Likewise, it demonstrates how the implementation of biometrics on a smart card shall overcome consumer fears over contactless payments and personal data privacy concerns.

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How will biometric payment overcome consumer fears over privacy and contactless?

  1. 1. How will biometric payment overcome consumer fears over privacy and contactless?
  2. 2. How will biometric payment overcome consumer fears over privacy and contactless? Many Biometric Systems Rely on Central Databases CIR IDENT
  3. 3. Sources: https://www.wired.co.uk/article/wired-awake-150819, https://www.technologyreview.com/f/614163/data-leak-exposes-unchangeable-biometric-data-of-over-1-million-people/ How will biometric payment overcome consumer fears over privacy and contactless? Many Biometric Systems Rely on Central Databases CIR CIR Databases can get compromised!
  4. 4. How will biometric payment overcome consumer fears over privacy and contactless? Ingredients for Fears Over Biometrics CIR
  5. 5. How will biometric payment overcome consumer fears over privacy and contactless? Ingredients for Fears Over Biometrics CIR Scarce resource
  6. 6. How will biometric payment overcome consumer fears over privacy and contactless? Ingredients for Fears Over Biometrics CIR No concerns!?
  7. 7. How will biometric payment overcome consumer fears over privacy and contactless? Sniffing Relay attacks Stolen / lost cards Source: The Independent Contactless Payment Penetration Increases, some fears remain…
  8. 8. General Biometric System Overview How will biometric payment overcome consumer fears over privacy and contactless? PRE- PROCESSING FEATURE EXTRACTOR TEMPLATE GENERATOR MATCHER1 REFERENCE TEMPLATE 2 3 4  MATCH STATUS TEST TEST SENSOR ENROLMENT
  9. 9. Privacy Intrusiveness Assessment Key questions included in EU’s General Data Protection Regulation (GDPR) Source: https://eugdpr.org/) Is biometric data stored? What data is stored? Where is data stored? Is the storage permanent or temporary? How is biometric data processed?
  10. 10. Privacy intrusiveness assessment Is biometric data stored? Many EU passports include JPEG file of holder’s fingerprint PKI-based Extended Access Control Authentication Reference fingerprint Matching SW Candidate’s fingerprint Issuing country grants through reciprocal agreements to those authorized to access confidential information on the chip.
  11. 11. Privacy intrusiveness assessment Is biometric data stored? Interoperability and algorithm independence At stake: Most people only have 10 fingerprints Tamper-resistance of • ID document • Communication • Matcher execution Permanent storage of data in central database – e.g. TES, CIR STORAGE
  12. 12. Privacy intrusiveness assessment What data is stored? US passport stores no biometric data US can’t do EAC on EU passports DHS’ IDENT system stores some data to facilitate re-entering visitors What data is stored sounds like a reasonable question? It’s recommended to store the template rather than the fingerprint. ?
  13. 13. Privacy intrusiveness assessment Where is data stored and processed? Storage location? Who has access to it? For which purpose? Tamper-proof storage and processing in a secure environment is a must. Source: https://www.nextgov.com/it-modernization/2019/06/dhs-move-biometric-data-hundreds-millions-people-amazon-cloud/157837/
  14. 14. Privacy Intrusiveness Assessment Based on GDPR Q1: Is biometric data stored? Q2: What data is stored? Q3: Where is data stored? Q4: Is the storage permanent or temporary? Q5: How is biometric data processed? A1: Yes A2: Enrolled reference template A3: Inside the secure element A4: Storage Reference template permanently stored Candidate template temporarily stored in RAM during match A5: Match is processed in secure element Biometric smart card
  15. 15. To conclude: How will biometric payment overcome consumer fears over privacy and contactless? Personal device  GDPR compliant • No central database • Storage of template vs. image • Tamper resistant device • Match in Secure Element (SE) is a MUST No data is retrieved over contactless without the fingerprint authentication.
  16. 16. €430 100 80% 200 Million turnover in 2018 Dedicated employees worldwide Of the population uses Linxens products every day Billion microconnectors supplied to the market Linxens is a global leader in Microconnectors, RFID Antennas & Inlays Production sites Clients over the world Research & Development Centers Billion RFID Antennas sold since 2008 Years experience 6 10 3200 30 4 More than
  17. 17. Linxens products in various applications
  18. 18. 1) * Sales Representatives ** Sales Office Linxens Global Footprint South America* France – Levallois, Mantes-la-Jolie, Vorey Germany - Dresden The Netherlands - Wijchen South Korea** China – Suzhou, Guangzhou, Shanghai India - Mumbai Thailand - Ayutthaya Singapore – Changi LATAM* USA*
  19. 19. linxens.com For further information, please feel free to contact: • Jean-François Durix, Linxens Business Development Director Jean-Francois.Durix@linxens.com • Stephany Gochuico, Linxens Digital & Product Communications Manager Stephany.Gochuico@linxens.com

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