As the payment industry embraces digitalization, safeguarding digital identities and transactions has become more crucial than ever. In addition to the standard contactless payment cards, biometric payment cards are emerging as a promising innovation, gaining popularity for their enhanced security and convenience. In response to this growing demand, Infineon Technologies AG has introduced SECORA Pay Bio, an all-in-one biometric payment card solution that complies with both Visa and Mastercard specifications.
This solution integrates Infineon’s advanced SLC39B system-on-chip (SoC) Secure Element with the FPC1323 fingerprint sensor from Fingerprint Cards AB (Fingerprints), all packaged within Infineon’s Biometric Coil on Module (BCoM), leveraging the benefits of inductive coupling technology. SECORA Pay Bio utilizes the cardholder’s fingerprint data, securely stored on the card, as a second layer of authentication, enabling a safe and convenient contactless payment experience.
A Step Forward in Payment Security
“With SECORA Pay Bio, we are pushing the boundaries of payment card technology,” said Tolgahan Yildiz, Head of Trusted Mobile Connectivity and Transactions Product Line at Infineon. “Our solution enables the efficient production of robust, reliable biometric payment cards, ensuring high throughput and a seamless consumer experience.”
According to ABI Research, the market for biometric payment cards is expected to grow significantly, reaching 113.3 million units by 2028. This growth is driven by the continuous improvement in the price-to-performance ratio of these cards, combined with increasing consumer demand for more secure and convenient payment methods. Biometric payment cards can also help reduce fraud related to lost or stolen cards and PIN phishing.
Optimized Contactless Performance with SECORA Pay Bio
SECORA Pay Bio is an extension of Infineon’s SECORA Pay family and integrates Fingerprint Cards’ sensor technology with Infineon’s SLC39B SoC Secure Element in a dual interface package. The BCoM (Biometric Coil on Module) technology, which uses inductive coupling rather than wired connections between the module and card antenna, significantly reduces manufacturing complexity. This leads to greater durability and long-term reliability of the cards.
The SLC39B Secure Element offers a large memory capacity, integrated power, and excellent contactless performance. Since SECORA Pay Bio complies with both Visa and Mastercard standards, it avoids the need for additional performance testing, allowing for a flexible and speedy rollout. The solution also works with existing dual-interface card manufacturing equipment, requiring only minor adjustments, further simplifying the production process.
Innovative Enrollment Options for Ease of Use
SECORA Pay Bio introduces two new enrollment options that make setting up biometric payment cards easier than ever. It supports smartphone apps for fingerprint registration, as well as the innovative enrollment sheet, which simplifies the fingerprint enrollment process via smartphone. Additionally, SECORA Pay Bio is the first biometric payment solution to offer in-field enrollment, allowing cardholders to start using their biometric cards without the need for extra equipment or effort.
Moreover, the fingerprint template is continuously updated with each transaction, improving both the accuracy and user experience over time.
Conclusion
Infineon’s SECORA Pay Bio is poised to revolutionize the world of biometric payment cards, combining security, convenience, and easy integration with existing infrastructure. With growing consumer demand for enhanced digital security, this innovative solution provides a reliable and scalable pathway to the future of secure contactless payments.
For more information, visit Infineon’s website.
