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Card-less payment to use palm vein authentication tech

Posted: 13 Oct 2015     Print Version  Bookmark and Share

Keywords:Fujitsu  palm vein authentication  JCB  card-less payment 

Fujitsu Ltd and Fujitsu Frontech Ltd have worked together with JCB Co. Ltd to developed a card-less payment system that integrates Fujitsu's palm vein authentication technology into JCB's global network. The companies said this system is the first in the world to link palm vein information with payment card information, to create an advanced payment scheme capable of authenticating a person's identity even when they are literally empty-handed, enabling purchases without payment card or smart device.

In July, JCB confirmed the system's effectiveness in a field trial involving several hundred JCB employees who used the system to pay for food and beverages at the employee cafeteria in JCB's headquarters.

Fujitsu and Fujitsu Frontech will work with JCB to conduct additional field trials in other countries and regions, and will further refine the system with the aim of developing a practical payment scheme that meets the needs of JCB's customers and merchants.

Card-less payment using palm vein authentication tech

System Overview

In recent years, a variety of payment methods that use smart devices or fingerprints have been developed to replace payment cards. To provide its customers with a more convenient service they can use with confidence, JCB had been considering biometric payment methods that would enable payments without having to carry a card or smart device. As a result of this process, JCB decided to build a card-less payment system that employs Fujitsu's authentication technology.

Finger vein identification
The traditional authentication techniques such as cards and passwords have brought users potential safety hazards because they are easy to be stolen, lost or forgotten. To ensure higher security, biometric techniques based on human physiological traits have been applied to authentication systems including door control, immigration administration and computer system security.

Features of the card-less payment system using palm vein authentication technology

1. Convenience: Hands-free shopping

The palm vein data from JCB's customers, along with their payment card information, is registered in advance in the palm authentication servers in Fujitsu's data centre.

When making a purchase, the customer waves their hand over a palm vein sensor. From the palm authentication servers, the corresponding payment card's information is then read, and the transaction is processed. Depending on the number of people registered, however, a multi-digit number key may need to be input to narrow down the authentication process.

In this way, customers are able to make hands-free purchases, and therefore do not have to worry about their payment cards or smart device. Moreover, unlike fingerprints or other characteristics on the body's surface, the veins of one's palm are inside the body, and because their pattern does not change even when one's body is wet, authentication can be performed in any situation, even at the beach or a bath spa, enabling payments with outstanding convenience.

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