How it works: easy and safe transaction
Up to three digital templates of fingers can be added to the card during enrollment and the biometric data is securely stored on the card. Depending on the issuer’s policy, the enrollment can be done at home or at a supervised, in-person location selected by the issuer. In order to make payment, cardholders can tap or insert their biometric card at a standard EMV point-of-sale terminal with the enrolled finger placed, usually the thumb on a sensor built into the card. The biometric card instantly verifies the card user's identity, eliminating the need to enter a PIN. If the biometric match is successful, the card user is authenticated, and the transaction proceeds.
Without providing any biometric information to the merchant, a biometric card scans the fingerprint and compares it to the fingerprint templates stored on the card. At the point of sale, the card compares the scanned image to the fingerprint template stored on it. The enrolled fingerprint template cannot be modified or shared outside the card. The biometric template is strongly encrypted and protected from the unauthorized access to prevent any fraudulent modification. It is not necessary for the biometric data to leave the card because the enrolled template is not stored by the issuer and the scanned image is not shared with the merchant. As a result, the biometric information is protected and is not accessed nor used outside the card.