Bank card identifies cardholder

Mar 06, 2013
The biometric “on-card comparison” additionally makes payment transactions more convenient and secure. Credit: Fraunhofer IGD

From the gas station to the department store – paying for something without cash is commonplace. Now such payments become more secure: The Fraunhofer Institute for Computer Graphics Research IGD engineered a solution for inspecting the handwritten signatures directly on the bank card. The biometric "on-card comparison" additionally makes payment transactions more convenient, and it works with any ordinary commercial credit card. At this year's CeBIT in Hannover, the experts will unveil their latest prototype development.

Who isn't familiar with this scenario? You are standing at the check-out counter, a long line waiting behind you, and all you have in your wallet is just a handful of old receipts – and, thank goodness – the ! There' s just no question: when it comes to paying for something, credit cards and the EC bank card make life easier. Unless the cardholder completely forgets the PIN (). It is obviously much easier for the consumer if a purchase transaction can be sealed with a signature. But it is just as easy for a practiced hand to forge a florid signature, right? Wrong, if the biometric parameters are measured.

Like getting parcel post

The magic words which researchers at Fraunhofer IGD used to realize a bank card that can recognize a customer by his or her signature: "signature dynamics."

Each person's signature is completely unique; in the process of signing, he or she leaves behind an extraordinary – and therefore, extremely difficult to forge – biometric trace: Based on the chronological progression of the pen's position, which is traced onto a graphic tablet or while signing, the Fraunhofer system ascertains if the cardholder's signature is genuine. In terms of , there is no comparison with the conventional procedure – a purely subjective process in which the person behind the verifies the signature.

Greater convenience and even more security

This process adds security and makes it twice as tough for any criminal. Even if the criminal gains possession of a card and uncovers its PIN code, biometrics places a whole new barrier in front of their activities. "The combination of knowledge, possession and biometrics is ideal, and guarantees a substantial additional benefit to the convenience and security for the cardholder," explains Alexander Nouak, head of competence center for identification and biometrics at Fraunhofer IGD.

"The comparison between the presented data and the biometric data stored in the card is done directly on the chip in the bankcard, which is protected according to established standards," explains Nouak. "So it is impossible for the biometric data to be stolen through an external device and be abused." One distinct advantage of the Fraunhofer solution: it meets all the conventional standards, so that it can be recorded onto any ordinary EC or bank credit card.

And this is how it looks in an everyday retail setting: The customer registers at his or her bank – upon card issuance, for example – by signing a touchpad. The biometric features of this signature are stored directly onto the chip in the card. When shopping, the cardholder runs the card through an ordinary merchant card reader. The reader is linked to a writing pad, on which the customer signs using an electronic pen. Once the authenticity of the signature is confirmed, the transaction is authorised. Entering a PIN code is only required, as an added level of security, for those transactions that are high in amount.

Explore further: Skin icons can tap into promise of smartwatch

add to favorites email to friend print save as pdf

Related Stories

Chip and pin terminals shown to harvest customer info

Jul 31, 2012

(Phys.org) -- For all customers, merchants and restaurant owners making use of card readers for transactions, well, this is not the best of news. Experts have found a security flaw in chip and PIN terminals ...

Security card with a one-time password and LED display

Mar 06, 2013

Infineon Technologies AG and Bundesdruckerei GmbH have developed a new security smart card with an LED display and a one-time password. This new technology is centred around a security chip in the card which ...

Recommended for you

Skin icons can tap into promise of smartwatch

7 hours ago

You have heard it before: smartwatches are cool wearables but critics remind us of the fact that their small size makes many actions cumbersome and they question how many people will really have them on their ...

Japan firm showcases Bat-Signal of the future

Oct 20, 2014

A free-floating image created by firing lasers into thin air was unveiled in Japan on Monday, offering the possibility one day of projecting messages into a cloudless sky, as seen in Batman.

Do we want an augmented reality or a transformed reality?

Oct 14, 2014

It seems we are headed towards a world where augmented reality (AR) systems will be as common as smartphones are today – it's already about to revolutionise medicine, entertainment, the lives of disabled peop ...

Can it be real? Augmented reality melds work, play

Oct 14, 2014

(AP)—Mark Skwarek is surrounded by infiltrating militants in New York's Central Park. He shoots one, then hearing a noise from behind, spins to take down another. All of a sudden, everything flashes red. ...

User comments : 3

Adjust slider to filter visible comments by rank

Display comments: newest first

dschlink
not rated yet Mar 06, 2013
My signature varies tremendously depending on the slickness and angle of the signing surface. Trying to write with a blunt object, on a tiny pad, mounted on a small box, at a 30-degree angle produces something that in no way resembles my signature using a pen on a piece of paper on a decktop. The timing of the strokes are also completely different.
PPihkala
5 / 5 (1) Mar 06, 2013
I also prefer the PIN, that is normally used, to writing my signature. The problem with my signature is that it is always different, even when using paper and pen.
grondilu
not rated yet Mar 07, 2013
I seriously think many people have lost the use of writing anything with a pen, nowadays. I haven't done it for years, for instance. So I doubt this is a good idea, as I personally don't think my handwriting will be the same each time I try to sign my name.