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.

Related Articles


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 March 5, 2015 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 March 5, 2015).

Share This


More From ScienceDaily



More Science & Society News

Thursday, March 5, 2015

Featured Research

from universities, journals, and other organizations


Featured Videos

from AP, Reuters, AFP, and other news services

Prince William Calls for Unified Effort Against Illegal Wildlife Trade

Prince William Calls for Unified Effort Against Illegal Wildlife Trade

Reuters - Entertainment Video Online (Mar. 4, 2015) Britain&apos;s Prince William pledges to unite against illegal wildlife trade on the final day of his visit to China. Rough cut - no reporter narration Video provided by Reuters
Powered by NewsLook.com
Analysis: Supreme Court Hears ACA Challenge

Analysis: Supreme Court Hears ACA Challenge

AP (Mar. 4, 2015) Associated Press legal reporter Mark Sherman breaks down the details of the latest Affordable Care Act challenge to make it to the Supreme Court. (March 4) Video provided by AP
Powered by NewsLook.com
Greenpeace Activists Protest French Imports of Illegal Logs

Greenpeace Activists Protest French Imports of Illegal Logs

AFP (Mar. 4, 2015) Greenpeace activists deliver a four tonne log to the Ministry of Ecology to protest against imports of illegal wood. Duration: 00:59 Video provided by AFP
Powered by NewsLook.com
Obamacare's New Supreme Court Battle

Obamacare's New Supreme Court Battle

Washington Post (Mar. 4, 2015) The Affordable Care Act is facing another challenge at the Supreme Court in King v. Burwell, which deals with subsidies for health insurance. The case could cut out a major provision of Obamacare, causing the law to unravel. Here’s what you need to know about the case. Video provided by Washington Post
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:

Strange & Offbeat Stories


Science & Society

Business & Industry

Education & Learning

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