Featured Research

from universities, journals, and other organizations

Bank card identifies cardholder

Date:
March 6, 2013
Source:
Fraunhofer-Gesellschaft
Summary:
From the gas station to the department store – paying for something without cash is commonplace. Now such payments become more secure: Scientists have 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.

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.

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 bank cards! 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 (personal identification number). 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.

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 touchscreen while signing, the Fraunhofer system ascertains if the cardholder's signature is genuine. In terms of security technology, there is no comparison with the conventional procedure -- a purely subjective process in which the person behind the cash register 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 biometric 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.

The researchers at Fraunhofer IGD will introduce their prototype development at CeBIT 2013 in Hannover from 5 to 9 March.


Story Source:

The above story is based on materials provided by Fraunhofer-Gesellschaft. Note: Materials may be edited for content and length.


Cite This Page:

Fraunhofer-Gesellschaft. "Bank card identifies cardholder." ScienceDaily. ScienceDaily, 6 March 2013. <www.sciencedaily.com/releases/2013/03/130306083932.htm>.
Fraunhofer-Gesellschaft. (2013, March 6). Bank card identifies cardholder. ScienceDaily. Retrieved July 25, 2014 from www.sciencedaily.com/releases/2013/03/130306083932.htm
Fraunhofer-Gesellschaft. "Bank card identifies cardholder." ScienceDaily. www.sciencedaily.com/releases/2013/03/130306083932.htm (accessed July 25, 2014).

Share This




More Science & Society News

Friday, July 25, 2014

Featured Research

from universities, journals, and other organizations


Featured Videos

from AP, Reuters, AFP, and other news services

New Painkiller Designed To Discourage Abuse: Will It Work?

New Painkiller Designed To Discourage Abuse: Will It Work?

Newsy (July 24, 2014) The FDA approved Targiniq ER on Wednesday, a painkiller designed to keep users from abusing it. Like any new medication, however, it has doubters. Video provided by Newsy
Powered by NewsLook.com
Condemned Man's US Execution Takes Nearly Two Hours

Condemned Man's US Execution Takes Nearly Two Hours

AFP (July 24, 2014) America's death penalty debate raged Thursday after it took nearly two hours for Arizona to execute a prisoner who lost a Supreme Court battle challenging the experimental lethal drug cocktail. Duration: 00:55 Video provided by AFP
Powered by NewsLook.com
Bill Gates: Health, Agriculture Key to Africa's Development

Bill Gates: Health, Agriculture Key to Africa's Development

AFP (July 24, 2014) Health and agriculture development are key if African countries are to overcome poverty and grow, US software billionaire Bill Gates said Thursday, as he received an honourary degree in Ethiopia. Duration: 00:36 Video provided by AFP
Powered by NewsLook.com
China's Ageing Millions Look Forward to Bleak Future

China's Ageing Millions Look Forward to Bleak Future

AFP (July 24, 2014) China's elderly population is expanding so quickly that children struggle to look after them, pushing them to do something unexpected in Chinese society- move their parents into a nursing home. Duration: 02:07 Video provided by AFP
Powered by NewsLook.com

Search ScienceDaily

Number of stories in archives: 140,361

Find with keyword(s):
Enter a keyword or phrase to search ScienceDaily for related topics and research stories.

Save/Print:
Share:

Breaking News:
from the past week

In Other News

... from NewsDaily.com

Science News

    Health News

      Environment News

        Technology News



          Save/Print:
          Share:

          Free Subscriptions


          Get the latest science news with ScienceDaily's free email newsletters, updated daily and weekly. Or view hourly updated newsfeeds in your RSS reader:

          Get Social & Mobile


          Keep up to date with the latest news from ScienceDaily via social networks and mobile apps:

          Have Feedback?


          Tell us what you think of ScienceDaily -- we welcome both positive and negative comments. Have any problems using the site? Questions?
          Mobile: iPhone Android Web
          Follow: Facebook Twitter Google+
          Subscribe: RSS Feeds Email Newsletters
          Latest Headlines Health & Medicine Mind & Brain Space & Time Matter & Energy Computers & Math Plants & Animals Earth & Climate Fossils & Ruins