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Trust, biometrics and mobile payments

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Trust, biometrics and mobile payments

  1. 1. Trust, biometrics and mobile payments It’s the convenience, stupid Dave Birch Global Ambassador, Consult Hyperion Mobey Day Barcelona, October 2014 1 Version 2, 8-Oct-14 Attribution-ShareAlike 3.0 Fingerprints can not lie, but liars can make fingerprints. B. Geller et al. “A chronological Review of Fingerprint Forgery” in J. Forensic Sciences 44(5), p.953 (1999)
  2. 2. Who are Consult Hyperion? Practical and independent expertise TfL Future Ticketing Strategy Enabling open-loop payments in London transport Mobile payments Deep involvement in mobile payment programmes around the world Payment schemes Technical authoring and consultancy on EMV payment specifications, strategy, training & certification requirements. Mobile POS Enabling card payment acceptance within a new category of Merchants . Please copy and distribute
  3. 3. From technology roadmap to business plan We have the handsets ■ High smartphone penetration We have the schemes ■ Visa, MC, Amex all on board We have the terminals ■ mPowa, iZettle, Zinc We have the technologies ■ HCE, HFC, BLE We have new infrastructure ■ FPS, Bitcoin But we don’t have mobile payments… 3 Version 1, 10/8/2014 Please copy and distribute
  4. 4. But mobile payments work… They work, they really do 4 Version 1, 10/8/2014 Please copy and distribute
  5. 5. …and NFC, HCE and BLE work… Apple, Google, MCX and the end of the phoney war (yuk yuk) 5 Version 1, 8-Oct-14 In commercial confidence
  6. 6. …and mobile biometrics work… “It’s not about payment. It’s about identity” Jack Dorsey, Founder of Square and Twitter (New York Times, 22nd December 2013) 6 Version 1, 10/8/2014 Please copy and distribute
  7. 7. …but don’t have an ecosystem Hhhmmmm…. 7 Version 1, 10/8/2014 Please copy and distribute
  8. 8. Hello 1997 No voice-based authentication on my train pleeeeezzz 8 Version 1, 10/8/2014 Please copy and distribute
  9. 9. TouchID (September 2013) Do you know fingerprints can be faked? I heard about a Japanese guy who did it with jelly babies or something? ■ Yes, I know. Your fingerprints are all over your phone, people could easily steal them. ■ Yes, I know. Criminals might be able to find a way to make a fake finger and use it to buy songs on iTunes ■ Yes, I know. Researchers were able to reconstruct useable 3D models of fingers by accessing stored templates ■ Yes, I know. Person: So would you use the new Apple TouchID on your next iPhone? ■ Me: Of course. 9 Version 1, 10/8/2014 Please copy and distribute
  10. 10. ApplePay In-store will soon be in-app (NFC is not the disruptive technology) 10 Version 1, 10/8/2014 Please copy and distribute
  11. 11. Raising the bar In-store will soon be in-app (NFC is not the disruptive technology) 11 Version 1, 10/8/2014 Please copy and distribute
  12. 12. Mobile biometrics in the mass market S5 with FIDO in TEE and fingerprint authentication 12 Version 1, 10/8/2014 Please copy and distribute
  13. 13. Conclusions Mass market biometrics are about convenience, not security Security is provided by a combination of factors, no reliance on any single factor We have used very structured risk analysis with our clients to find the right combination of factors Apple’s solution is of the type that we have consistently recommended: ■ Biometric authentication (not identification) ■ Against a revocable security token (using standards) ■ Held in tamper-resistant storage (owned by the customer) Convenience trumps trust every time. Every time. 13 Version 1, 10/8/2014 Please copy and distribute
  14. 14. So the mobile payments roadmap is clear? Perhaps people are more prepared to consider alternatives to the “conventional” money and payment systems 14 Version 1, 10/8/2014 Please copy and distribute
  15. 15. Thank You Consult Hyperion has helped some of the world’s leading organisations to make the right technical and commercial choices within and around smart, mobile, contactless transactions, including retail payments, identity management and transit ticketing. Consult Hyperion is a trusted advisor adding product strategy, technical, regulatory, compliance and information security expertise into project teams within organisations considering deploying innovative new payment or identity services. In January 2013, David Birch was ranked Europe’s most influential commentator on emerging payments and in August 2013 Wired magazine named him one of their global top 15 sources of finance and business information. Tomorrow’s Transactions: thought leadership from Consult Hyperion Read www.chyp.com/media/blog Listen www.chyp.com/media/podcasts Visit www.chyp.com Contact info@chyp.com Follow @chyppings 15 Version 1, 8-Oct-14 Please copy and distribute
  16. 16. One more thing… Birch doesn't claim to have all the answers. What he has done is produce a bold, forward thinking book that grapples with weighty issues in a concise and accessible way. Retail Systems (May 2014). “Identity is the New Money” (LPP: 24th April 2014) 144pp paperback / ISBN 978-1-907994-12-8 16 Version 1, 10/8/2014 Please copy and distribute

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