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October 29, 2020

SmartMetric biometric contactless cards to ditch 4-digit PINs for security

By Mohamed Dabo

SmartMetric, a technology engineering, research and development company, has created a biometric credit and debit card that has an inside-the-card, biometric fingerprint scan and recognition hardware solution.

This allows for far greater security to the ubiquitous credit and debit card than the reliance on simple and insecure four-digit PINs.

“Using a card holder’s biometrics to identify and authenticate the card user provides a giant leap forward in credit and debit card security over the poorly secure PIN used on today’s payment cards,” said today, SmartMetric’s President and CEO, Chaya Hendrick.

The technology provides the highest level of encryption

SmartMetric has enhanced its internal card security providing for the highest level of encryption of the card holder’s fingerprint held inside the SmartMetric biometric credit/debit card.

Using a secure element chip, separate from the contact and wireless chip inside the card, provides a firewalled secure protection of the card holder’s fingerprint using the most advanced levels of encryption technology.

In line with SmartMetric’s foundation policy to provide the highest level of security for the card user as well as the card’s issuing bank, at no time does the card user’s biometrics leave the card or is the user’s fingerprint stored in an offline database.

Fingerprints are stored in a one-time touch and store process

The other major feature of the SmartMetric biometric fingerprint activated credit/debit card is that it allows the card to have the user’s fingerprint stored in a one-time touch and store process.

Similar to the simplicity and ease of storing a fingerprint for security on a mobile phone, the SmartMetric secure storage of the user’s fingerprint does not require additional fingerprint reading devices in, say, the Bank branch.

The SmartMetric biometric card uses an easy to use mobile phone type fingerprint storage enrolment process.

Using the card’s own internal fingerprint scanner, it allows card issuing banks to issue the card to users in the same manner they now issue standard credit and debit cards.

Fingerprint enrolment process for the card user

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