EMVCo’s Pursues Standards in ‘Biometric On Card’ Initiative

EMVCo is working on a set of performance and security requirements for fingerprint-scanning payment cards, a project the organization is calling its “Biometric on Card” initiative. A document outlining its requirements is expected to be published for EMVCo Associate review by the end of this month.

One crucial aspect of EMVCo’s initiative is the development of performance requirements. By defining clear benchmarks, EMVCo aims to ensure that biometric payment cards deliver both seamless user experiences and robust security. Several performance metrics are under consideration to evaluate the effectiveness of these cards:

• False Acceptance Rate (FAR): This metric measures the proportion of verification transactions where wrongful claims of identity are incorrectly confirmed. Keeping this rate low is crucial to prevent fraudulent activity.

• False Rejection Rate (FRR): FRR represents the proportion of verification transactions where truthful claims of identity are incorrectly denied. Striking a balance between security and convenience is important, minimizing false rejections while maintaining system security.

• Imposter Attack Presentation Accept Rate (IAPAR): IAPAR assesses the proportion of imposter attack presentations (more commonly known as “spoofs”), such as fake fingerprints, that are erroneously accepted. Detecting and rejecting these attacks is essential for transaction integrity.

• Transaction Time: Biometric authentication should be swift to provide a seamless and convenient user experience. The performance requirements will include guidelines to ensure efficient transaction times without compromising accuracy or security.

After the publication of the performance requirements document, a Technical Special Interest Meeting, scheduled for Q4 2023, will facilitate in-depth discussions and exploration of the performance requirements for Biometric on Card technology. The meeting will offer an opportunity for stakeholders, particularly biometric card manufacturers and biometric sensor providers, to actively contribute to the development of industry standards.

Source: EMVCo

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June 28, 2023 – by the FindBiometrics Editorial Team