This is how contactless and biometric payment cards work

In this age when touching surfaces and objects should be avoided, contactless payment solutions and through the use of fingerprints facilitate all types of transactions.


Transactions electronic are already part of everyday life. In their various presentations and technologies, they are present in a good part of the millions of purchases that people around the world make in their day-to-day lives.


In recent years, the technology of payment without contact has been developing by leaps and bounds. During this recent stage of a health emergency, they have become a solution to the need for physical distancing.


And this type of card enables the validation and payment of products and services without the need to insert the card into a terminal of payment, just to mention one example.


The next step in that effort, according to the company specializing in defense, aeronautics, space, transportation, and digital identity markets, Thales, is to add biometric sensors to the cards. However, the challenge was to make them totally safe and easy for users to use.


In that sense, Thales recently announced a new card biometric contactless dramatically simplifies the payment of proximity and also provides an essential level of privacy and trust, according to the reported signing of origin French.


He added that the data fingerprints of the user are loaded into the card with the personal enrollment process easy and safe, which is done at home or at a branch bank. Furthermore, none of the biometric data used for registration is passed on to third parties; the footprint fingerprint of the chip card is only used to facilitate authentication Local of the cardholder to make a payment without the contact. Neither the retailer nor the bank has access to the biometric data since they remain safely stored on the card's chip.


The foregoing is very relevant since by storing people's personal and biometric data locally (on the card), their sending to cloud servers or other decentralized storage solutions is avoided that at any given time may be subject to massive hacks.


Security at all levels


On the other hand, in terms of security, "the card biometric means, ultimately, a lost or stolen card becomes useless without the fingerprint of the owner to authenticate a transaction without contact. In such reliable payment environments, there is no need to set any payment limits. And besides, should not be able to use the fingerprint of the holder of the card, for example, to withdraw cash at ATMs, you can still use a code PIN as an alternative solution, "said Thales.


"After testing the card for payment biometric of Thales with positive results, we decided to approach them now offer all our customers with confidence. This solution solves the first level several challenges, including comfort, safety, and technology without contact. A simple but strict enrollment process has been established at the branch so that biometric data can never be removed from the card. This is a key prerequisite as we take privacy very seriously of our customers' data ”, assured Jean-Marie Dragon, Head of Payments and Cards at BNP Paribas.


In addition, Bertrand Knopf, executive vice president of Banking Solutions and Payment of Thales explained that "the pandemic COVID-19 has pushed the industry technology to develop solutions without contact and, indirectly, allowed has more processed transactions without the second factor of authentication. The biometric payment card facilitates contactless payment of any amount, without compromising the privacy of this very personal data ”.


With such developments, it is expected that in the future next increasingly implement more solutions payment without contact and through sensors biometrics. In fact, payment system providers such as MasterCard and Visa have already certified this development, which is also compatible with the certifications of other popular payment schemes.


Thales, a company internationally recognized for its developments in connectivity, Big Data, artificial intelligence, cybersecurity, and quantum technology, reported that after a series of successful tests around the world, the aforementioned biometric card is already marketed in several countries.

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