Vision 2014: Innovation-within-identity-proofing-processes-using-biometrics

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Innovation within identity proofing processes using biometrics

Anders Hartington Experian Brazil

#vision2014

2 © 2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.

Agenda

1. Biometrics as a business driver

2. Breaking the enrollment barriers

3. Government provoking a biometric ecosystem

4. New ‘biometry as a service’ model (case study)

5. Voice biometrics gaining grounds

6. Experian voice consortium (case study)

7. Biometrics on devices – what to expect


The Brazilian market is clearly asking for biometrics

Relying parties indicate that approximately 4 out of 10 transactions

would require biometric validation

79%

64% 55%

42% 47%

58%

43% 50%

0%

20%

40%

60%

80%

100%

ATM Call center Internet / mobile Face-to-face

Financial institutions

Other

Q: Which transaction channels are considered most critical?


It all started with the

banking sector

taking on biometrics

on ATM´s...


Biometrics for security “Zero fraud”

Bradesco Bank (2012)

http://4.bp.blogspot.com/-5NqNTCtOhOQ/UEIjx36m-SI/AAAAAAAADSM/uuDEvigYxWI/s1600/biometria-bancos-principal.JPG


Biometrics for convenience “Cardless transactions”

Itau Bank (2013)


Biometrics for innovation “No touch technology”

Banco Do Brasil (2013)


All of these

approaches suffer

a major challenge:

Enrollment


Principal enrollment challenges

You have a one-shot opportunity to get it right

A major investment... and make sure to spare some change for customer incentives

Making a bet on the best biometric

method isn´t all that simple


State governments in Brazil are creating biometric databases from legacy paper documents

Nine states have digitized 35.8 million identities

for fingerprint and facial recognition purposes


In Brazil, government sees an opportunity to commercialize biometric ID validation, but…

Official ID validation service


Biometric commercialization in other parts of the world


Experian is being accredited by government to act as a conduit for biometric inquiries

Industry Official ID

validation service

Biometric authority


Prototype: video clip

The Experian fingerprint ID validation illustrated

1. Consumer is in a

store / branch to

open an account

or apply for a

credit loan

2. The consumer State ID

number is entered and a

fingerprint is captured

on a fingerprint scanner

3. The system verifies the

image quality and when

OK, sends it of to the

Biometric Authority

awaiting a ‘Identity

validated’ response

Consumer

ID number xxxxxxxxx-x

Select State DF ▼

Image quality

Submit

Identity validated

Biographic data Name: Joan Smith

Birth Date: 11/03/82

Mother Name: Karen

Father Name: Richard

Signature

https://s3-sa-east-1.amazonaws.com/serasaexperian-voice/Biometria_processo_legendado_ENG.wmv


Account opening,

Internet banking

password reset

Seven clients participated in the real-time pilot

“Biometrics as a service” provides ID proofing and

has applicability across a wide range of verticals

Post-pay, pre-pay,

plan upgrades

Vehicle financing


What is being done to address privacy concerns with government providing biometric ID validation?

http://www.carecloud.com/blog/philosophy-of-ehr-1


Market assessment:

To resolve the vulnerability

of the call center channel

Relying Parties demand

enhanced ID proofing

using voice biometrics


Building the business case

Fraud reduction

vs.

cost reduction

vs.

convenience?

Voice biometrics is gaining ground

Brazilian Telco call-center

(2013)

http://www.callcentersoperations.com/blog/top-tips-to-eradicate-frustration-of-call-center-industry/outbound-call-centers/


Black list vs. white list


Voice biometrics – replay attack

https://www.youtube.com/watch?v=-zVgWpVXb64


Fixed phrase vs. free speech

0

20

40

60

80

100

0 2 4 6 8

Free speech

Time from start

Number of seconds

Threshold = 80

Fixed phrase My voice is

MY PASSWORD


Using voice recordings to get large volume voiceprint database

Adding call metadata will improve the authentication rate...

Call-time Authentication

rate Compression Mono

+ 2 minutes ~99.2% ~98.5% ~98.0%

+ 30 seconds ~98.0% ~97.0% ~96.0%

+ 10 seconds ~ 96.0% ~94.0% ~91.0%


Experian Brazil is developing a voice print consortium based on a data monitization concept

$ $ Telco:

77 million

recordings

Bank:

180 million

recordings


Biometrics on

device is not new

Making a business sense

of biometrics on devices is

new… and the race has

just started


Who is the most innovative player using biometric on devices?

IBM ThinkPad (2004)



Motorola Atrix (2011)



Apple iPhone 5S (2013)

http://www.scmp.com/sites/default/files/styles/980w/public/2013/09/23/applefingerprint_reuters.jpg?itok=EZP7TBhG



Samsung Galaxy S5 (2014)


The default standard for mobile is still to be explored


For Experian the natural entrance is to add trust-levels to your fingertip

High ID-assurance

(NIST levels 3 and 4)

Combining the strong biometric authentication with Experian ID Proofing

capabilities to deliver secure and trusted online identity credentials


Goode Intelligence predicts that by the end of 2015 there will

be 619 million people using biometrics on their mobile devices


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[email protected]

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