NFC vs biometric identification - who is first?
The developers say, unlike the phone NFC-wallets, biometric technologies really promise a future without cash and bank cards. The launch of NFC payments is so slow that biometric payment technologies promise to catch up with them in the near future.
After Google announced Android-based phones with a built-in chip that allows making purchases in a non-contact manner, interest in the future without wallets has increased. NFC technology, widespread in Asian countries, especially in Japan, has allowed consumers to partially or completely replace credit cards with telephones, however, in the USA and other countries, technology is being introduced quite slowly.
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This developmental delay was so long that rival and, one might say, more advanced technologies matured. The system developed by Fujitsu under the trade name PalmSecure does not require any devices on the user's side. You can pay for your purchases by simply waving a hand in front of a special detector.
The technology is available and is currently being tested at a Florida school, where students can pay for lunch with it, it is also used at one of the medical centers in New York to identify patients (the cost of a system with 250 scanners was $ 200,000).
The technology is simple: an infrared emitter shines on the palm, allowing the detector to read a unique pattern of blood vessels in the hands of a person. This picture is not stored in a graphic format, but remains in the system as a unique identifier.
All that is needed to turn the system into a reliable payment technology is the desire of the service provider to associate a unique identifier with a bank account or credit card.
Unlike NFC, the advantages of which over credit cards are difficult to judge unequivocally, biometric payment technologies are not only more secure than existing alternatives, they can make traditional payment methods more secure.
Unique pattern on the palms can not be stolen. The biometric marker can be used as a secondary authentication factor for existing payment systems, slightly reducing the likelihood of fraud in supermarkets and other stores.
The fact of the slow introduction of NFC payments indicates that it is quite difficult to unravel the existing monopoly tangle, especially when the sellers themselves incur the costs. But for some of them, the benefits of using biometric technologies can be much greater than the cost of implementation. It is worth remembering the case when the WOW-effect of the ability to pay for the purchase with a wave of the phone was a decisive factor when a client chooses a coffee shop.
The authors of the technology are confident that people will react to your business with great interest if they can pay for their purchases with a flick of the wrist. There are other views on the safety of using biometrics for payment. Some experts argue that if the biometric database is stolen, all information will be more seriously compromised than if a password or card is stolen: a person can change a password, PIN code or code word, reissue a card or change an NFC chip - biometric data other things being equal, it is impossible to change.
Based on technologyreview.com
After Google announced Android-based phones with a built-in chip that allows making purchases in a non-contact manner, interest in the future without wallets has increased. NFC technology, widespread in Asian countries, especially in Japan, has allowed consumers to partially or completely replace credit cards with telephones, however, in the USA and other countries, technology is being introduced quite slowly.
')
This developmental delay was so long that rival and, one might say, more advanced technologies matured. The system developed by Fujitsu under the trade name PalmSecure does not require any devices on the user's side. You can pay for your purchases by simply waving a hand in front of a special detector.
The technology is available and is currently being tested at a Florida school, where students can pay for lunch with it, it is also used at one of the medical centers in New York to identify patients (the cost of a system with 250 scanners was $ 200,000).
The technology is simple: an infrared emitter shines on the palm, allowing the detector to read a unique pattern of blood vessels in the hands of a person. This picture is not stored in a graphic format, but remains in the system as a unique identifier.All that is needed to turn the system into a reliable payment technology is the desire of the service provider to associate a unique identifier with a bank account or credit card.
Unlike NFC, the advantages of which over credit cards are difficult to judge unequivocally, biometric payment technologies are not only more secure than existing alternatives, they can make traditional payment methods more secure.
Unique pattern on the palms can not be stolen. The biometric marker can be used as a secondary authentication factor for existing payment systems, slightly reducing the likelihood of fraud in supermarkets and other stores.
The fact of the slow introduction of NFC payments indicates that it is quite difficult to unravel the existing monopoly tangle, especially when the sellers themselves incur the costs. But for some of them, the benefits of using biometric technologies can be much greater than the cost of implementation. It is worth remembering the case when the WOW-effect of the ability to pay for the purchase with a wave of the phone was a decisive factor when a client chooses a coffee shop.
The authors of the technology are confident that people will react to your business with great interest if they can pay for their purchases with a flick of the wrist. There are other views on the safety of using biometrics for payment. Some experts argue that if the biometric database is stolen, all information will be more seriously compromised than if a password or card is stolen: a person can change a password, PIN code or code word, reissue a card or change an NFC chip - biometric data other things being equal, it is impossible to change.
Based on technologyreview.com
Source: https://habr.com/ru/post/125925/
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