PRODUCTS FORUM BIOMETRIC OFFER

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29 Νοε 2013 (πριν από 3 χρόνια και 18 μέρες)

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PRODUCTS FORUM

BIOMETRIC OFFER

Jérôme TREMBLET


R&D Support

Vincent CACHARD


Marketing Support

VISION 2009

Summary

Main markets


Biometric Range


Business Case



EEMEA / INDIA / SOUTH EAST ASIA • VISION 2009 •
2

Main Markets

1

EEMEA / INDIA / SOUTH EAST ASIA • VISION 2009 •
4

Focus on Biometrics

Biometrics



Biometrics

is

any

technology

that

uses

a

unique

physical

attribute

of

a

person

as

the

"password"

to

gain

access

to

a

protected

location

or

device

Biometrics

provides

a

cost
-
efficient

and

strong

security,

using

a

combination

of

smart

card,

PIN

entry,

and

fingerprint

technology

:


A

fingerprint

is

an

impression

of

the

ridges

and

furrows

of

the

surface

of

the

finger


Fingerprint

identification

is

the

process

of

comparing

questioned

and

known

friction

skin

ridge

impressions

(Minutiae)

from

fingers

Minutiae

:



Are

specific

points

in

a

finger

image
.



Minutiae

points

are

local

ridge

characteristics

that

occur

either

a

ridge

bifurcation

or

a

ridge

ending

EEMEA / INDIA / SOUTH EAST ASIA • VISION 2009 •
5




BANKING for under
-
banked people


Micro Financing


Money Transfer


Cash withdrawals


Cash advance



HEALTH


Medical management


Patient authentication



SALARY & WAGE PAYMENTS



PREPAID


Utilities


Retail



Ingenico Biometric Markets


Biometrics could be used for numerous application requiring
security and easy to use devices :





Ingenico Biometric Range

2

EEMEA / INDIA / SOUTH EAST ASIA • VISION 2009 •
7

Ingenico
Biometric

Offer


Three products on Telium platform



BIO930


Based on EFT930 P


GPRS module as an option




BIO930 Bluetooth


Based on EFT930 B with ethernet docking station




BIO930 S


Based on EFT930 S GEM


Simplifying authentication of identification of
individuals, facilitating transactions and increasing
security are some of the advantages the BIO930 offers.

EEMEA / INDIA / SOUTH EAST ASIA • VISION 2009 •
8

User
-
friendless, and security

Bio 930

As a mobile device, it can be used for
enrolment and control procedures.


Technical features



32
-
bit ARM9 microprocessor


Memory: 32 MB flash + 8MB SDRAM


EMV Smart card reader


Magstripe reader ISO 1,2


Graphic display 128 x 64 backlite


Keypad of 18 keys (15 + 3 function keys).


Morphosmart biometric module


-

Acquisition time < 1 sec


-

Verification time <

0.8s


-

Template < 256 bytes


-

Configurable false acceptance rate (FAR)


-

Morphosoft embedded algorithms used



Communication


-

GSM/GPRS(option)


-

Modem V32 Bis



Biometrics

mobility

and a lot more

Ingenico
Biometric

Offer

EEMEA / INDIA / SOUTH EAST ASIA • VISION 2009 •
9

T
his portable device, can be used for
enrolment and control procedures.


Technical features



32
-
bit ARM9 microprocessor


Memory: 32 MB flash + 8MB SDRAM


EMV Smart card reader


Magstripe reader ISO 1,2


Graphic display 128 x 64 backlite


Keypad of 18 keys (15 + 3 function keys).


Morphosmart biometric module


-

Acquisition time < 1 sec


-

Verification time < 0.8s


-

Template < 256 bytes


-

Configurable false acceptance rate (FAR)


-

Morphosoft embedded algorithms used



Communication


-

Bluetooth between the terminal and cradle


-

Cradle with Ethernet and Modem

User
-
friendless, and security

Biometric portability

Bio 930 and Ethernet

Ingenico
Biometric

Offer

EEMEA / INDIA / SOUTH EAST ASIA • VISION 2009 •
10

High security
and
performances

Bio 930S

Desktop biometric
terminal for easy

authentication

This desktop device, can be used for biometric
enrolment and control procedures, with
matching on card, on terminal or trough a
network.


Technical features



32
-
bit ARM9 microprocessor


Memory: 32 MB flash + 8MB SDRAM


EMV Smart card reader


Magstripe reader ISO 1,2


Graphic display 128 x 64


Keyboard of 18 keys (15 + 3 function keys).


Morphosmart biometric module


-

Acquisition time < 1 sec


-

Verification time < 0.8s



-

Template < 256 bytes


-

Configurable false acceptance rate (FAR)


-

Morphosoft embedded algorithms used



Communications : GPRS/Ethernet/PSTN

Ingenico
Biometric

Offer

Business Case

3

EEMEA / INDIA / SOUTH EAST ASIA • VISION 2009 •
12

Micro Finance in India

Customer



Fino is an Indian technology and service provider


Founded in 2006 by ICICI bank, Indian 2
nd

largest bank


FINO offer to Indian Banks



Reaching out to the under
-
/ unbanked population of India
potentially 500 million) providing them with a broad
range of financial products and services at a lower cost



Providing better processes, customized products and
automated sytems to MFIs so that they can overcome
the constraints of manual processes and records which
cannot be scaled
-
up once they hit certain mass.



Drastically reducing transactional, operational and card
acceptance infrastructure cost (last mile delivery
channel)

MFIs: Micro Finance Institution partnering with FINO and Banks

EEMEA / INDIA / SOUTH EAST ASIA • VISION 2009 •
13

Micro Finance in India


FINO Micro Finance Process



Cardholders needs to enrol into the Fino program
at any of the many enrolment stations around the
country in order to receive a biometric card


Every card contains cardholder demographic data as well
as biometric minutiae (fingerprints) for authentication at
the time of transaction



MFIs appoints agents that travel to the rural areas
to service cardholders by:



Distributing issued cards


distributing loans


collecting savings


delivering back office updates to the cards



MFIs’ agents collect transaction information
which they upload to the FINO Host

EEMEA / INDIA / SOUTH EAST ASIA • VISION 2009 •
14

FINO

AGENTS

MFI 1 Agents in the field

STRUCTURAL OVERVIEW


FINO Microfinance System

Micro Finance in India

MFI 2 Agents in the field

MFI 3 Agents in the field

AGENTS

AGENTS

AGENTS

AGENTS

AGENTS

AGENTS

AGENTS

AGENTS

CARDHOLDER

CARDHOLDER

CARDHOLDER

DATABASE

DATABASE

DATABASE

MFI 1

MFI 2

MFI 3

MFI 1 Regional Services Point

MFI 1 Regional Services Point

MFI 1 Regional Services Point

ON LINE TELLER

ON LINE TELLER

ON LINE TELLER

WEB

BASED REPORTING SERVICE

EEMEA / INDIA / SOUTH EAST ASIA • VISION 2009 •
15