SECORA™ Pay Bio security solutions
SECORA™ Pay Bio is our all-in-one biometric payment solution, supporting scalable production and frictionless onboarding process.
As part of our innovative SECORA™ Pay family, SECORA™ Pay Bio streamlines the entire HW architecture of biometric payment cards with a cutting-edge, all-in-one offering that simplifies card production and issuance.
This all-in-one biometric payment card solution complies with Mastercard® and VISA® specifications and therefore will bring more convenient, unique contactless payment experiences to cardholders.
It integrates the SLC39B system-on-chip Secure Element and a biometric sensor into the Infineon biometric Coil on Module (BCoM) packaging, based on inductive coupling technology.
More information on SECORA™ Pay Bio can be found on our blog.
Biometric payment cards offer hygienic payment experiences, as card holders can verify their identity by simply placing a finger on the card’s sensor and tapping the card at the terminal.
Key benefits:
- Convenient and fast biometric 2nd factor authentication as PIN alternative
- Hygienic, touchless interaction with POS terminal
- Ready to use: No infrastructure upgrade required
- Cardholder’s fingerprints are captured, extracted and matched on a single Secure Element, where also the biometric credentials are securely stored
- Offers various enrollment options
- Supporting quick card release and go live through the BCoM based card architecture, which drastically reduces manufacturing complexity due to inductive coupling technology.
Key features:
- The biometric all-in-one payment card solution complies with Mastercard® and VISA® specifications
- Java Card™ operating system compliant with Java Card™ 3.1 and GlobalPlatform card specification v2.3.
- Mastercard® bio-applet compliant with MCA V1.2.3
- VISA® bio-applet compliant with VSDC2.9.2
- Card solution compliant with EMV Level 1 specification
- Communication interfaces:
- ISO7816, ISO14443
- Cryptography implementation:
- RSA, 3DES, SHA1, AES
- Card biometric performance:
- False acceptance rate (FAR) of below 0.01%
- False rejection rate (FRR) of below 3%
- Product delivery form
- Infineon Biometric Coil on Module (BCoM) supporting dual interface communication
- Tape on standard 35 mm film
SECORA™ Pay Bio is Infineon’s all-in-one biometric payment solution. A single module contains the fingerprint sensor and a Secure Element with an integrated power source, together with the Infineon Biometric Coil on Module (BCoM) packaging. Thanks to inductive coupling technology, there is no need for a wire connection between the card antenna and the module. This innovative approach simplifies the manufacturing process for biometric payment cards, as only a single module needs to be implanted into the card.
- Cost-efficient and frictionless onboarding process: Compatible with existing card production equipment with minor adaptions and improved production yield
- Fast and easily scalable manufacturing process: Allows manufacturers to adapt to changes in demand
- Quick and simple go-live: Since the solution complies with both Mastercard and VISA specifications, by leveraging the BCoM technology, almost no additional performance testing is required and issuers can get a paper based approval within 2~3 weeks, which can speed up the biometric payment card release and go-live
- Long-term reliability: Significant improvement in the robustness and of the biometric payment card.
Supporting various enrollment options, SECORA™ Pay Bio supports manufacturers and issuers having more flexibility in the delivery of biometric payment cards, paving the way for the smooth adoption of biometric payment cards:
- Smartphone enrollment:
A mobile application enables cardholders to easily enroll their fingerprints on their smart card at home. The SECORA Pay Bio solution offers reference code and documentation to develop or integrate this functionality into smartphone apps (iOS and Android).
- In-field enrollment (PoS enrollment):
Cardholders transparently enroll their card just by using it and placing a finger on the card sensor during contactless communication. The PoS terminal may ask the user to also enter the PIN. This enrollment procedure is predefined by the system for a certain number of initial transactions under certain conditions.
- Sleeve enrollment:
The cardholders use a contact-based sleeve enrollment device to enroll their fingerprint on the card. For this option an application note to support the design of such a sleeve is available. Alternatively, a ready-to-use sleeve can be sourced from our partner.
