Transcript 投影片 1

Biometrics Market Trend in Asia
(The Impact of US PIV program)
Dr. Wen-Hsing Hsu
Professor
National Tsing Hua University
Background
1. Biometric technology are entering the implementation
stage where this technology is applied to various kinds
of public infrastructure, such as government
administrative work and financial service.
– Vein verification for ATM : Sumitomo Mitsui Bank (Japan),
–
–
–
–
P.2
Bank of Tokyo-Mitsubishi UFJ (Japan)
Bhamashah program (rural banking) : Fingerprint verification
for Money Transfer, (India, 5.5 million / 110million families)
PIV program: Personal Identity Verification System, U.S (16
million employees)
ID card Projects in Asia (RFID & Fingerprint) : Thailand,
Hong Kong, Singapore, Malaysia and Philippine
Boader Control: Japan, Singapore, Hong Kong
Background
2.
P.3
ISO standard for biometric technology announced in
2005, and ANSI/SIA standard for Surveillance system
will be completed soon (Q4 2008). The industry is
entering a high growth stage
Introducing of PIV Program
(USA)
History of FIPS 201
(Federal Information Processing Standard )
• ISO SC 37 (June, 2002):
– Defined File Format, APIs, application profiles, testing, etc for
Biometric Technologies
• ISO 19794 (19794-2, 19794-4) (July, 2005):
– Established a Data Interchange Format for Minutiae Based Fingerprint
Algorithm
• FIPS 201 (Feb, 2005):
– Established a Foundation for an Infrastructure with Secured Personal ID
with Standardized Biometric Formats and Technologies (i.e. Special
Publications, etc)
P.5
ISO Standard
Because there is more demand for the biometric
product from the society, International
Organization for Standardization (ISO) has
established SC37 in 2002, and has established
and announced the international standards that
is related to biometric technology (July, 2005).
ISO has established Biometric standards,
and is leading the biometric industry
(world wide service) into the High growth rate stage
P.6
ISO Standard
• In July 2005, ISO announced various fingerprint
verification related standards including the ISO 19794
(data format), ISO 19785 (CBEFF) and ISO 19795
(Biometric Performance Testing and Reporting). The
completion of these module specifications and interface
standards will become the common reference when
establishing any future Biometric system structures.
P.7
HSPD-12
• In August 2004, President George W. Bush issued
Homeland Security Presidential Directive 12 (HSPD-12),
which mandated new standards for secure and reliable
personal identification for all federal employees and
contractors.
• The Personal Identity verification (PIV) program.
•
PIV card issuance (Summer 2007~Fall 2009)
•
PIV authentication (Fall 2009 ~ End 2011)
P.8
PIV program
• The PIV program required the US government to
establish secured personal ID for its 16 million
employees and contractors, install PACS (Physical
Access Control System) for the several thousand US
federal buildings around the world and reinforce the
security of federal information through LACS (Logical
Access Control System).
• Such series of Biometric application systems are
scheduled to be completed worldwide by the end of 2011
and will set a perfect example for the era of biometric
applications.
P.9
Establishment of Personal Identity
Verification System
• Issuing standard ( NIST PIV Program)
– FIPS201
– NIST 800 series
• Product Certification（S/W, H/W）
– Implementation guideline, Test guideline
P.10
PIV Documents
Standards
Implementation
Guide
HSPD 12
Homeland Security Presidential Directive/HSPD-12. Policy for a Common Identification Standard for
Federal Employees and Contractors (8/27/04)
FIPS 201
Personal Identity Verification (PIV) of Federal Employees and Contractors.
FIPS 201-1
Personal Identity Verification (PIV) of Federal Employees and Contractors (chng1)
M-05-24
Implementation of Homeland Security Presidential Directive (HSPD) 12 – Policy for a Common
Identification Standard for Federal Employees and Contractors
SP 800-73
Interfaces for Personal Identity Verification (4 parts):
1- End-Point PIV Card Application Namespace, Data Model and Representation
2- End-Point PIV Card Application Interface
3- End-Point PIV Client Application Programming Interface
4- The PIV Transitional Data Model and Interfaces
SP 800-76
Biometric Data Specification for Personal Identity Verification
SP 800-78
Cryptographic Algorithms and Key Sizes for Personal Identity Verification
SP 800-79
Guidelines for the Accreditation of Personal Identity Verification (PIV) Card Issuers (PCI's)
SP 800-87
Codes for Identification of Federal and Federally-Assisted Organizations
SP 800-85
Test Guidelines
SP 800-85A
PIV Card Application and Middleware Interface Test Guidelines (SP800-73 compliance)
SP 800-85B
PIV Data Model Test Guidelines
P.11 SP 800 : Special Publications (800 Series)
FIPS 201-NIST 800 Series
•
•
•
•
•
•
Improving the identification and authentication for access to Federal
facilities and information systems (2005, Feb)
NIST Special Publication 800-53
Recommended Security Controls for Federal Information Systems,
February 2005
NIST Special Publication 800-73
Interfaces for Personal Identification Verification, April 2005.
NIST Special Publication 800-76
Biometric Data Specification for Personal Identification Verification.
NIST Special Publication 800-78
Cryptographic Algorithms and Key Sizes for Personal Identity Verification,
April 2005.
NIST Special Publication 800-79
Guidelines for the Certification and Accreditation of PIV Card Issuing, July
2005.
P.12HSPD-12
(FIPS) 201
NIST Special Publication 800-53,73, 76, 78, 79
PIV
NPIVP
MINEX
NIST PIV Program (NPIVP)
•
•
•
To validate the compliance/conformance of two PIV
components － PIV middleware and PIV card
application with the specifications in NIST SP 800-73-1
To provides the assurance that the set of PIV
middleware and PIV card applications that have been
validated by NPIVP are interoperable
All of the tests under NPIVP are handled by third-party
test facilities
P.13HSPD-12
(FIPS) 201
NIST Special Publication 800-53,73, 76, 78, 79
PIV
NPIVP
MINEX
HSPD #12: PIV Document
Relationships
SP 800-73
(NIST)
HSPD 12
Policy
(Presidential)
M-05-24
(Director OMB)
8/04
FIPS 201
(Secretary of Commerce) 2/05
8/05
FIPS 201-1
(Secretary of Commerce) (2/06)
Revise ‘06
Dynamic
P.14
4/05
(NIST)
(2/06)
SP 800-85A
10/05
SP 800-76
(NIST)
(NIST)
SP 800-78
(NIST)
(NIST)
(2/06)
4/05
SP 800-85B
SP 800-79
7/05
(NIST)
(2/06)
SP 800-87
(NIST)
Driver
SP 800-85
10/05
Date
Standards
NIST: National Institute of Standards and
Technology
Implementation
Guidelines
Test Guidelines
PIV MINEX Template Generator / Matcher
Certification Process Flow
NVLAP
accredited
MINEX Test
Laboratories
Vendor contracts
with a lab and
submits PIV S/W
to lab for testing
Lab tests PIV
MINEX with
NPIVP’s test
tool kit and
generates Test
Report
P.15
NVLAP : National Voluntary Laboratory Ac Program
NPIVP: NIST Personal Identity Verification Program
GSA : General Service Administration
PIV Template
Generator / matcher
Vendor
PIV Middleware
Certification
Process Flow
P.16
NVLAP : National Voluntary Laboratory Ac Program
NPIVP: NIST Personal Identity Verification Program
GSA : General Service Administration
PIV Card Application
Certification Process Flow
FIPS 140-2:
Security Requirements
for Cryptographic
Modules
P.17
PIV Structure
P.18HSPD-12
(FIPS) 201
NIST Special Publication 800-53,73, 76, 78, 79
PIV
NPIVP
MINEX
PIV Card –
Physical & Logical Access Control
The card allows the identity of the cardholder to be verified
• The cardholder unique
identifier (CHUID)
• Photograph
• Cryptographic keys
• Biometric data
• Electrical signature
• Digital signature
• Smart card
• RFID card
Government institution should report PIV on
P.19HSPD-12 Card Issuance
MINEX
• The Minutiae Interoperability Exchange Test
• Measuring performance and interoperability of core template (INCITS
378) encoding and matching capabilities
• To establish compliance for template encoders and matchers for PIV
program
• Following the approach of NIST MINEX04 test which evaluated the
products of fourteen vendors and was used in establishing an initial
compliance for the PIV program
• STARTEK, Template generator and Template Matcher, is in MINEX
compliant list
P.20
HSPD-12
PIV
(FIPS) 201
NIST Special Publication 800-53,73, 76, 78, 79
NPIVP
MINEX
Approval Authorization Letter
P.21
P.22
Source: GE
Enrollment and
Registration
Background
Screening
Applicant
Adjudication
Card Production
PKI Trust Integration
Card Personalization
and Issuance
Physical And Logical
Access Control
System
Enrollment
P.23
Source: GE
Enrollment and Registration / Card
Personalization and Issuance
P.24
PIV Related Product Category
Card Issuance & Maintenance
Facial image Capturing
Station (Physical)
Facial Image Capturing
(middleware)
Electromagnetically
opaque sleeve
Card Electrical
Personalization Services
PIV Card Printer station
Fingerprint capture
stations
OCSP Responders
Card Electrical
Personalization Device
SSP
PIV Card Delivery
PIV Middleware
Cryptographic Modules
Card Graphical
Personalization Services
Front-End Subsystem
PIV Card
Card Reader Chuid
(Contact)
Card Reader Biometric
Card Reader
Authentication key
Template Generator
Template Matcher
Transparent Card
Reader
CHUID Reader
(Contactless)
Single Fingerprint
Scanner
P.25
US Federal Application
(PIV program, 2004~2011)
US Commercial Application
(2009~)
Logic access control
Physical access control
(Internal Administrative,
cross agency)
The World
(2009~)
P.26
Internal Administrative
B to C web authentication
B to B web authentication
ID card projects
POS
Fingerprint verification will dominate web
service business (Web authentication)
• Minutia-Only Fingerprint Verification Standardized
Internationally (ISO 19794-2), (MINEX test)
• The US led FIPS 201 PIV Program (2004 - 2011) will set
the interoperable structure and standards needed for
Logical and Physical Access Control by 2008

–
–
–
–
Fingerprint Verification Applications
Web Transactions and Payments (B to C)
Web Authentication Services
Digital Signatures
Web Authentication Business
P.27
Authenticate true identity at anytime, in anywhere ,
with any fingerprint reader , on any platform for anybody
P.O.S.
Laptop
Smart Phone
I
ATM
Smart Card
Kiosk
Fingerprint enrollment
P.28
Service
Providers
OSIPS – Open System Integration and Performance Standards
(ANSI/SIA)
• SIA (Security Industry Association)
– ANSI Accredited Standards Developing Organization
• OSIPS (Surveillance System)
– Security System Integration Standards
– Security System Performance Standards
P.29
SIA StandardsCurrent initiatives overview
P.30
Designation
Title
Estimated time of completion
ANSI/SIA OSIPS-APC01-200x
OSIPS-Access Point Controller Data
Model Interface Standard
Public Review targeted for 3Q 2008
ANSI/SIA OSIPS-DV101-2008
OSIPS-Digital Video Interface Data Model
Approved as American National Standard Feb.
2008
ANSI/SIA OSIPS-01200x
OSIPS Framework Data Model
Final Approval Expected in 2Q 2008
ANSI/SIA OSIPS-ACR01-200x
Access Control Role Data Model Interface
Standard
Public Review targeted for 3Q 2008
ANSI/SIA OSIPS-IDM01-200x
OSIPS-Identity and Carrier Management
Data Model Interface Standard
Public Review targeted for 3Q 2008
OSIPS Binding for Fixed Format and XML
Document Messages over TCP and UDP
Public Review targeted for 3Q 2008
ANSI/SIA OSIPSACGO-01-200x
OSIPS-Access Control for Gate
Operations
Public Review targeted for 3Q 2008
ANSI/SIA OSIPS-CUIS01-200x
OSIPS-Common User Interface Standard
Public Review targeted for 3Q 2008
SIA StandardsCurrent initiatives overview
P.31
Designation
Title
Estimated time of completion
ANSI/SIA CP-01-2007
Control Panel Standard-Features for False Alarm
Reduction
Public Review targeted for 4Q
2008
ANSI/SIA PIR-01-2000
Passive Infrared Motion Detector Standard –
Features for Enhancing False Alarm Immunity
N/A
ANSI/SIA OSIPS PIR-02200x
OSIPS-Passive Infrared Motion Detector – Internal
PIR for High Security Applications
N/A
SIA GB-01-1994.12
Acoustic Glassbreak Detector Standard – Features
for Optimizing False Alarm Reduction and Detection
N/A
SIA GB-02-1996.07
Acoustic Glassbreak Sensor Technical Report –
False Alarm Sounds Recommendations for Testing
False Alarm Rejection and Detection
N/A
ID card projects and
Boarder Control in Asia
Fingerprint ID Card in Thailand
(1077 district offices) (Startek, February 2004)
P.33
G.W@PS – GSIS Wireless Automated Processing
System (Philippines)
• Combining RFID card with Startek
Fingerprint Technology.
1st example combined fingerprint
Authentication with debit card in the world
(Union Bank)
– ISO-19794-2 compliant Fingerprint
Template
– Minutiae-Only Matching Algorithm
• GSIS eCard Services
– VISA Wave Debit Card
– Loan/Insurance application
P.34
G.W@PS – Kiosk 2,000 Units
• RFID Card + Fingerprint
for Double Security
• Apply Loan Application
• Apply Insurance
Application
P.35
Border Control (Singapore)
P.36
Biometric Border Crossing:
ShenZhen / Hong Kong
• 400,000 border crossings
every day
• Two scenarios：Passengers
& Vehicle Drivers
• 100+ gates deployed by now
• Three Modalities: VL Face,
NIR Face, & Fingerprint
• 1,800,000 people enrolled.
• Verification Speed: 6 sec /
crossing
• 40,000,000 crossings since
June 2005
P.37
Source: CAS (China)
Bhamashah Project
(Rural Banking)
• GoR (Government of Rajasthan) desires to
create a State-wide biometric smartcard
based IT infrastructure and platform for
incremental service delivery to the rural poor
• IL&FS and Bartronics selected as ISP
(Infrastructure Service Provider) on BOT
basis for 10 years
• ISP to
– Enroll 5 million households and issue smart
card
– Establish Central Data Center and connectivity
– Establish 15000 banking POS and 2000 POS
at hospitals
– Open no-frills bank a/c for disbursement of
entitlements.
P.38
Bhamashah Project
Implementation Steps
•
•
•
•
•
•
•
P.39
Mobilization Campaign
Village –wise beneficiary enrolment; Capturing
beneficiary information/photo as per RBI /RSBY
guideline (ISO 19794-2)
Opening Bank A/c
Data Validation & Card personalization
Card Printing and Issue (64KB Smartcards)
Establishing 15,000 Points of Service
Disbursal of entitlements
Biometrics Market Analysis
NB market (Bundling Fingerprint Sensor)
• The PC market, particularly laptops
represents the largest market segment
using fingerprint sensors
• According to IDC
• 2006: 8.2M sweap sensors / 82M NB
Bundle rate 10%
• 2007: 21.06M sweap sensors /105.3M
NB Bundle rate 20%
P.41
Fingerprint authentication function on NB
only for PC logon.
When applying to B to C, the S/W should
be FIPS 201 certificated
Market Segment
- NB and Mobile phone
• Personal use
– Windows Logon/File Encryption/Password
Management
– Swipe Sensor bundled with mobile devices
(ASP US$ 4 per module)
• Market Size in 2009 – US$120M
– NB
US$4 X 20M = US$ 80M
– Mobile phone US$4 X 10M = US$ 40M
P.42
Market Segment
- Home Security
• Personal use
– Door Lock, Safety Box, Gun Box
– Swipe Sensor with DSP module
(ASP US$ 100 per module)
• Market Size in 2009 – US$ 50M
– US$100 X 500K = US$ 50M
P.43
Market Segment
- LACS (Enterprise)
• Enterprise applications
– Workforce Management /ERP/Information Security
– Optical Fingerprint Reader
• PIV Project (FIPS 201 certificated)
– 16M units in 3 yrs (2009~2011)
– ASP US$ 50 per unit
• Market Size in 2009 – US$ 250M
– US$ 50 X 5M = US$ 250M
P.44
Market Segment
- PACS
• Enterprise applications
– PACS/T&A
– Optical Fingerprint Reader + RFID reader on IPC
• PIV Project
– 1M units in 3 yrs(2009~2011)
– ASP US$ 800 per unit
• Market Size in 2009 – US$ 240M
– US$ 800 X 0.3M = US$ 240M
P.45
Market Segment
- POS
• Public Service (FIPS 201 certification)
– Banking/Payment
– Optical Fingerprint Reader on ARM 9
(ASP US $200 per unit)
• Market Size in 2009 – US$ 200M
– US$ 200 X 1M = US$ 200M
P.46
Market Segment
- Web Service
• Enterprise applications
– ERP/Web T&A
• Public service(2010), B to C
–
–
–
–
P.47
Online banking, shopping and trading
Card issuance (ISO 19794-2 compliant)
Fingerprint enrollment (ISO 19794-2 compliant)
Personal ID verification
Market Segment
- ID Card Projects
• Card issuance/Enrollment
– FIPS201 Compliance
• Personal ID Authentication application(2010)
– Hospital (Health care/Medical Card)
– Social warfare, insurance, pension
(Social security card)
P.48
Application for ISO 19794-2 Compliant /
FIPS201 Certificate
Platform／Application
ISO19794-2
Compliant
(Current)
Necessary for FIPS201
certification
NB
Sweap
×
When apply to B to C
Mobile phone
Sweap
×
When apply to B to C
Access Control
Physical
Area (Optical)
×
○
Door lock
Optical area
×
△
Enrollment
Area (Optical )
×
○
Verification
Sweap
×
TG, TM
Enrollment
Area (PIV)
×
○
Verification
Area (PIV)
×
○
Web
Authentication
Logical Access
Control
P.49
Reader
FIPS201: Reader field size: 12.8mm*16.5mm, resolution: 500 dpi
TG: ANSI/ICITS 378 Template Generator (TG)
TM: ANSI/ICITS 378 Template Matcher (TM)
Fingerprint Module Market Supplied
by Asia Vendors (2009, estimated)
Market segments don’t require
FIPS201 certification
1. NB / Mobile phone
$120M
2. Door Lock
$ 50M
______________________
$170M
P.50
Market segments require
FIPS201 certification
1. Logical Access
Control (US)
$250M
2. Physical Access
Control (US)
$240M
3. ID Card (Asia) $ 50M
4. POS
$200M
______________________
$740M
Conclusion
1. Biometrics technology is gaining wide acceptance in NB, mobile
phones, ATM, POS and smart card.
2. To enable network authentication service (B to C) on NB and mobile
phone, FIPS201 ( ISO 19794-2 ) compliant software (template
generator/matcher) module must be adapted.
3. Biometrics ATM has been successfully implemented at individual
bank operation (Close System). When it comes to cross-bank
operations, standards such as FIP201S must be followed for
common data format and (H/W, S/W, I/F) module interoperability.
4. Matured environment of network fingerprint authentication service
enables web service business to develop under a new and safe
environment.
P.51
5.
6.
7.
8.
P.52
Existing fingerprint database for National ID Card projects in Asia
must be converted to ISO 19794-2 and ISO 19794-4 complaint
format for interoperability through out Asian countries.
Because of the establishment of OSIP (Open System Integration
and Performance Standards) by ANSI/SIA, security system
integration becomes simple and convenient. Market for security
module products will grow rapidly.
Because of FIPS201 certification, LACS and PACS will be
integrated as one common security system.
Although most Boarder Control System is connected to AFIS, but
ID card program should be separated to AFIS.
Brief Introduction of Startek
P.53
Startek Overview
The global leader in Biometrics Fingerprint Verification Technology
• Startek Engineering Inc, found in 1989
•
Product & Service
– Before 2006 : Physical Access Control & Time Attendance System
(Startek Technology is Market Proven)
– 2006 ~
: Fingerprint Authentication Solution for Network Authentication
Web Server Authentication
- Mobile Phone Development Kits with Fingerprint Solution
- Matching Module for Network Authentication
- PIV (Personal Identity Verification) module in US
Internet Service
P.54
2003
2006 ~~
PIV Applications
Startek’s Biometrics solutions
• Startek provides the most cost effective and best
performance enrollment module for ID card system.
(FIPS 201 certificated NIST/INCITS 378 Template
Generator).
• Startek provides the best performance authentication
(matching) module ,for web authentication, physical
access control, logical access control. (FIPS 201
certificated NIST/INCITS 378 Template Matcher)
• Startek provides Web server authentication (WSA)
solution for Web service business, and authentication
module on P.O.S., ATM
P.55
STARTEK’S Competitive Edge
• Has technology that is ISO 19794-2 (Minutiae Only),
MINEX passed
• One of the only two FIPS 201 (Federal Information
Processing Standard 201) approved venders in Asia
Has 6 Key Patents in Fingerprint Verification (Minutiae
Extraction & Minutiae-Only Matching)
• The smallest code size in any platform - Compact, Efficient,
Accurate
– (160 k bytes / Windows, 64 k bytes / Bios, 12 k bytes / Matching on card)
P.56
STARTEK’S Competitive Edge
(cont’d)
• Cross Device Matching
– Among optical, chip, area and sweap sensor
• Cross Platform Matching
– NB, Mobile Phone, Smart Card
• Open System Technology
– ISO 19794-2 Compliant Minutiae-Only Fingerprint Matching Algorithm
P.57
WSA Configuration
Client Side
Client Web Page/App
Server Side
Enroll
Identify
Verify
Web/Application Server
WSA Browser Plugin
Capture
Secured
Minutiae-Only FP
Expandable
Extraction
Encryption
WSA Browser Plug-in
P.58
Identification
Easy&Fast Integration
Internet
Cross platform
WSA Server Plug-in
Verification
SSL
Matching Server
Cross Device Matching
MKC200
Combo Mini
FCS100
FD100
FM200
Enrollment / Matching – on different devices
P.59
WSA Demo Site
• http://wsa.startek-eng.com
• http://61.218.109.72
P.60
•
Thank you for your consideration.
Best Regards,
Laura Wood
Senior Manager
Research and Markets Ltd
[email protected]
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•
•
-.
•
Title Index:
•
1. Introduction
•
2. Market development
•
•
3. Current status of technology
- Facial recognition /Fingerprint/Voice recognition/Iris-Retina scans
•
•
4. Suppliers
- ActivIdentity/Cogent Systems/Digimarc/Corp
•
•
5. Standards and legislation
- ISO/ICAO/US Department of Homeland Security (DHS)/European Biometrics Forum
• . Opportunities and challenges for finance
- Identity theft/Global fraud/Electronic crime/Card
fraud/EMV (or Chip & PIN)/Contactless cards/Employee
fraud.
11. Conclusions: Establishing the business case for
biometrics in finance
- Biometrics and strategic pressures/Identity
fraud/Regulatory costs/Customer service/Customer
acceptance/Standardisation/Return on investment.
• 6. Key players and programmes:
• - Governments
• 7. Key players and programmes:
• - Travel
• 8. Key players and programmes:
• - Financial services and transactions
• - Customer-facing/Employee-facing/International payment schemes.
• 9. Case studies
• - Fingerprint verification for employees/Voice recognition for
telephone banking
• 10. Opportunities and challenges for finance
- Identity theft/Global fraud/Electronic crime/Card
fraud/EMV (or Chip & PIN)/Contactless cards/Employee
fraud.
11. Conclusions: Establishing the business case for
biometrics in finance
- Biometrics and strategic pressures/Identity
fraud/Regulatory costs/Customer service/Customer
acceptance/Standardisation/Return on investment.
Pricing:
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•
Thank you for your consideration.
Best Regards,
Laura Wood
Senior Manager
Research and Markets Ltd
[email protected]
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• The report contains up-to-date analysis of best-practice,
developments and emerging trends in biometrics, including:
• - Terminology, standards and compliance de-mystified and
explained
• - Adapting biometric technologies from border control, ID cards, and
passports
• - Assessing the reliability and robustness of the technologies
developed to date, including: voice recognition technologies for
customer verification, and the use of fingerprint technology
• - Biometrics within the range of financial operations: ATMs, call
centres, cards, customer service, data protection, e-channels and
fraud
• - The lessons from schemes and pilots already implemented
• - Key players and programmes in the
deployment of biometric security in
government sectors, including the US'
Department of Homeland Security, Visa
Waiver Program and Real ID Act, and the
UK's ARC and ID card programmes (and
charting the ongoing travails of the latter).
• -.
• For more information please click on:
• http://www.researchandmarkets.com/product/86c7e0/the
_business_case_for_biometrics_in_finance
• Case studies and examples from countries including:
Australia, Canada, Japan, Malaysia Mexico, Pakistan,
Russia, Singapore, South Africa and the US.
• Many treat biometrics as a 'big government' thing, but
today's government technology is tomorrow's banking
standard... financial services strategists must keep
themselves abreast of biometric developments and seek
to find ways to bring these technologies to retail financial
services.
• cutting edge methods of verification are at a
premium, and right now that means biometric
technology. Its linkage to national security
means that vast sums of government money
worldwide are being spent on developing stateof-the-art biometric solutions.
• This report presents the concepts of biometrics
and sets the scene for its use in banking and
financial services, including:
• of biometric technologies, analysing each
of the main technologies, looking at how
and where they might be deployed and the
strengths and weaknesses of This report
presents the concepts of biometrics and
sets the scene for its use in banking and
financial services, including:
• - The market for biometrics by region, by sector
and by technology, with projections as to its
future growth and development in the years to
2015.
• - A snapshot of the current status each.
• - The market as it currently stands, identifying
the drivers for future growth and discussing how
these will shape the future market, and looking
at some of the leading suppliers of biometrics
technologies, such as L-1 Identity Solutions,
Digimarc and LaserCard to name but three
• The standards and legislation that currently
frame the development of biometrics worldwide,
and discussing how these are designed to
balance privacy issues with the need for
security.
• - Key players and programmes in the
deployment of biometric security in government
sectors, including the US' Department of
Homeland Security, Visa Waiver Program and
Real ID Act, and the UK's ARC and ID card
programmes (and charting the ongoing travails
of the latter
• Biometrics programmes in the travel sector, including the
European Visa Information System, Project Iris, the
Registered Traveller Program and the deployment of
biometric passports, and discussing security concerns
about just how secure biometric data stored in biometric
passports really is.
• - The financial services sector's use of biometrics today,
and examines customer-facing systems such as ATMs,
online banking and access to bank vaults as well as the
development of voice, fingerprint and signature
verification technology for remote banking, and
employee-facing systems for staff ID verification, access
to physical areas of the branch and transactional
security.
• The potential growth areas for banks that will
drive the adoption of biometric technology such
as online banking, e-commerce and the
development of computers with finger scanners
as standard, as well as ways in which biometrics
can solve existing problems such as ID theft,
card fraud, electronic crime and employee fraud.
It also looks at new markets that will be
accessed by the deployment of biometrics
• - The overall business case for biometrics in
banking, addressing issues such as whether it
will achieve its return on investment, how it will
address key strategic pressures such as
globalisation and domestic competition. It also
looks at those considerations not so easily
incorporated into a Profit and Loss statement
such as enhancing the bank's competitive
position in the marketplace and 'hygiene factors'
that affect the technology
• For more information please click on:
• http://www.researchandmarkets.com/prod
uct/86c7e0/the_business_case_for_biome
trics_in_finance
Thank you for your attention
Dr. Wen-Hsing Hsu
E-Mail: [email protected]
www.startek.com.tw
P.82