- Ingenico partnered with Fujitsu Frontech to authenticate customer identities and facilitate transactions using the palm of the customer’s hand for in-person transactions.
- To make a payment, customers hover their hand over a near-infrared sensor, which reads their palm veins to authenticate their identity and complete the payment using stored card credentials.
- The unique pattern of veins in the palm is difficult for fraudsters to hack because the patterns under the skin are challenging to replicate.
Leveraging its subsidiary Fulcrum Biometrics, Fujitsu Frontech’s solution uses palm vein identification to enable consumers to identify themselves and authenticate their payments by moving their hand over a near-infrared sensor on Ingenico’s AXIUM range, the company’s Android payment terminal. The technology creates a more convenient experience for customers as it eliminates the need to take out a credit card or enter a PIN. All they need to do is hover the palm of their hand over the sensor.
The palm payment service requires pre-authentication. To enroll a new customer, the merchant takes a near-infrared scan of the customer’s palm using an Ingenico device that incorporates the Fujitsu PalmSecure-F Pro Sensor and software. The image of the palm is encrypted, tokenized, and linked to the customer’s payment card in Ingenico’s secure cloud environment.
“Palm vein biometrics is the most secure method for identifying customers and authenticating payments, said Ingenico Senior Executive Vice President of Global Solutions Michel Léger. “Palm vein identification is a much faster way of making payments than traditional chip and pin and offers several tangible advantages, with none of the security risks of other biometric methods.”
The authentication method leverages Fujitsu’s PalmSecure technology and combines it with Fulcrum Biometrics’ biometric identification solutions to use the unique pattern of veins in the palm of a user’s hand. Palm vein identification is fast, accurate, contactless, and less intrusive than fingerprint or facial recognition. Additionally, when compared to facial recognition and fingerprint biometric methods, palm veins are more difficult for fraudsters to hack because the unique patterns under the skin are challenging to replicate.
“Our palm vein technology provides the most advanced consumer protection available in any biometric modality,” said Fujitsu Frontech North America President and CEO Shuhei Oyake. “Your palm vein pattern is totally internal to your body and therefore cannot be captured without your knowledge. Our patented technology for matching palm vein templates without needing to decrypt them means that there is never a time when your unencrypted biometric could be compromised. Fujitsu Frontech North America and Ingenico together will deliver merchants and consumers a long-awaited solution for frictionless and secure payments.”
Ingenico, a branch of Worldline, was founded in 1980 and is based in France. The company offers payment services including point of sale, online payments, issuing and acquiring solutions, and digital banking tools. Earlier this week, Ingenico partnered with Klarna to make the BNPL company’s flexible payment options available at the physical point of sale. Ingenico works with more than 1,000 banks and acquirers, is active in 37 countries, and facilitates payments on more than 2,500 mobile apps.