Biometrics - In an ATM
Around 75% of accepting banks [including four of the five mega-banks, [e.g. Mizuho, SMBC]] are in the process of implementing Finger Vein Authentication technology from Hitachi Ltd. Japan Post, the largest financial group in Japan with over 20,000 branches, has selected Hitachi's system along with over 30 other banks.
To overcome Financial Institutions concerns about the management of the biometric data as well as the data privacy issues when setting up a Biometric solution, the flexible alternative to storing the data on a central server is to store the biometric template in a smart card and such as the MULTOS secure smart card operating system.
Thus allowing a number of different [but related] applications to co-exist on the same chip platform, such as: EMV credit, bank Debit Card function, Biometric Database, Finger Vein biometric validation program etc.
Ease of integration into the ATM is key and this solution provides a number of standard software and hardware components to facilitate this and since the validation takes place locally at the ATM [rather than in a central server] the impact on the banks systems infrastructure is minimised.
Paramount to obtaining user acceptance is the ease and practicality of the enrolment process so that they can benefit from the security and knowledge that identity theft and un-solicited withdrawals are almost impossible when using such a system.