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

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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

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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?

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It all started with the

banking sector

taking on biometrics

on ATM´s...

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Biometrics for security “Zero fraud”

Bradesco Bank (2012)

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Biometrics for convenience “Cardless transactions”

Itau Bank (2013)

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Biometrics for innovation “No touch technology”

Banco Do Brasil (2013)

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All of these

approaches suffer

a major challenge:

Enrollment

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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

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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

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

Official ID validation service

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Biometric commercialization in other parts of the world

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

Industry Official ID

validation service

Biometric authority

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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

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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

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

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Market assessment:

To resolve the vulnerability

of the call center channel

Relying Parties demand

enhanced ID proofing

using voice biometrics

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Building the business case

Fraud reduction

vs.

cost reduction

vs.

convenience?

Voice biometrics is gaining ground

Brazilian Telco call-center

(2013)

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Black list vs. white list

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Voice biometrics – replay attack

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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

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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%

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

$ $ Telco:

77 million

recordings

Bank:

180 million

recordings

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Biometrics on

device is not new

Making a business sense

of biometrics on devices is

new… and the race has

just started

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Who is the most innovative player using biometric on devices?

IBM ThinkPad (2004)

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Who is the most innovative player using biometric on devices?

Motorola Atrix (2011)

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Who is the most innovative player using biometric on devices?

Apple iPhone 5S (2013)

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Who is the most innovative player using biometric on devices?

Samsung Galaxy S5 (2014)

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The default standard for mobile is still to be explored

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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

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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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For additional information, please contact:

Anders.Hartington@br.experian.com

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