Smart cards are tamper-protected chip cards with microprocessor chip. They perform security-related functions such as
the authorization of bank transactions or
the creation of electronic signatures
and store sensitive data.
To protect the smart card against unauthorized use, typically the user has to enter a PIN. In case of biometric on-card comparison, however, the smart card rather compares biometric characteristics of the card user with those of the legitimate cardholder. The protected features of the smart card can be used only after successful on-card comparison.
The biometric reference data remain securely stored in the smart card and do not leave it at any time.
Handwritten signature as a biometric characteristic
Handwritten signatures are biometric characteristics like fingerprints, iris or vein patterns. People sign in a very individual way. Everybody always has his signature ready without having to learn it by heart, like a PIN. Signatures are recognized based on time series of the pen position recorded during signing (signature dynamics).
is routine for many people,
is better accepted than presenting a fingerprint is, and
expresses a deliberate decision.
Secure payment with on-card comparison of handwritten signatures
Fraunhofer IGD demonstrates how the on-card comparison of handwritten signatures will be integrated in future EMV bank cards.
The benefits are obvious:
secure payment transactions thanks to the electronic verification of the card and the strong binding of the signature to the person,
ease of use,
secure storage of biometric reference data in the smart card.