Our N-BioCard is a Dual interface payment card that incorporates an extra layer of security in the payment transactions. Cardholders approve the transactions via a fingerprint sensor embedded in the card instead of introducing a PIN in the terminal. N-BioCard is an innovative payment solution addressing the security concerns of many cardholders. Surveys show the willingness of cardholders to pay additional fees to obtain a biometric card, they are a new source of revenue for issuers.

Benefits

• Convenient: no payment limit for a contactless transaction
• Hygienic: no need to touch the pad numbers in the POS
• Secure: if the card is lost/stolen, as the fingerprint authentication is always required, no low-value contactless payments will be possible.

How it works

Payments with our N-BioCard are done by tapping the card into the POS terminal just like a regular card; the difference is the authentication method. All transactions with N-BioCard, no matter for which amount, require fingerprint authentication. This authentication is achieved by pressing the fingerprint sensor when tapping the POS terminal. PIN code can still be used with N-BioCard as a fallback solution whenever the customer’s fingerprint can’t be used.

Fingerprint enrolment

The first step to be able to use N-BioCard is to enrol the fingerprint data in the card. The process of enrolment is straightforward and can be done anywhere by the cardholder using a sleeve or a mobile application. Enrolment is done in few seconds, once completed the card is ready to be used.

The fingerprint data is securely stored only in the Secure Element of the card to ensure that cardholder’s data is protected. Biometric data never leaves the card.