G&D develops video-based authentication

Monday 20 February 2017 | 14:42 CET | Background

ID solutions provider Giesecke & Devriendt will show an end-to-end portfolio for mobile payment at the Mobile World Congress in Barcelona. Built around the Convego platform, G&D offers an end-to-end identity management for financial institutions. The company is also working on a solution for video identification and authentication. G&D is based in Munich in Germany. The privately held company is a specialized printing company for value items like banknotes, passports and ID cards. It has branched out into digital security and ID solutions for financial institutions. 

Under the Convego banner a range of products is offered for mobile financial services and mobile payment for a range of devices. G&D says its Convego Hub builds a bridge between the real and virtual payment worlds. It provides financial institutions and other third-party wallet providers with secure and flexible payment functionality and enrollment services. 

Mobile services

The CloudPay Server provides an online interface to banks for the provisioning and life-cycle management of the bank’s payment cards on the end users’ HCE enabled smartphones. Added are mobile app services, identity, and TSM (Trusted Service Manager) services for mobile identities and fraud management, including real-time monitoring. 

The services can then be customized to work on smartphones, other mobile devices and smart wearables. G&D offers services including cloud HCE (Host Card Emulation) payment, payment card tokenization with connections to major payment scheme token services such as MasterCard MDES and Visa VTS. 

The CloudPay Client is a secure software library that is integrated into the bank’s mobile application and provides a secure storage for the payment card data and payment engine to execute mobile payment transactions. It offers state-of-the-art security on mobile devices, enables fast provisioning in under 10 seconds, and immediate payment execution.

International payment schemes including Mastercard, Visa, and American Express are supported. Banks can also offer remote payment: payments can be easily made through apps or alternatively via mobile web browsers. Based on the authentication services, providers can enable strong virtual authentication for a wide range of online services for banks, public authorities, and other businesses. 

Video identification

G&D says that in a next step, a “video ident solution” will be provided to make the identity management process even more efficient, convenient and faster. Biometric authentication is steadily moving into the mainstream. 

A video identification solution has been mooted before. Dutch payment solution provider Adyen announced one on 1 April 2012, but that was a joke. Three years on, the card networks started testing it. In 2015, MasterCard, in partnership with International Card Services and ABN Amro tested ‘Selfie Pay’ – biometric authentication based on fingerprint or facial recognition. The test was initiated to see whether face recognition is reliable enough for value transactions.

Last year, Samsung has integrated an iris scanner into the Note7. This solution relied on a separate infrared light source and camera integrated in the top bezel of the device. Telecompaper has tested the device. Initial hands-on testing showed that the concept works – raise your handset and even if you focus on the screen, the device unlocks itself. The test also showed that the iris scanner can only function under defined conditions and could not match the fingerprint sensor. 

And while Samsung may have their reasons to add dedicated hardware to a flagship device, this also limits the uptake. So far, the ill-fated Note 7 is the only device to include an iris scan, though other devices may follow. Using the phone camera to scan a whole face may also give good results, not limited to one device. Five years on, the technology and confidence have advanced to the point where other companies bring their solutions to market. 

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