©2014 Experian Information Solutions, Inc. All rights reserved. Experian and the marks used herein are service marks or re...
2©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Agenda
1. Biometrics as a business drive...
3©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
The Brazilian market is clearly asking
f...
4©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
It all started with the
banking sector
t...
5©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Biometrics for security
“Zero fraud”
Bra...
6©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Biometrics for convenience
“Cardless tra...
7©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Biometrics for innovation
“No touch tech...
8©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
All of these
approaches suffer
a major c...
9©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Principal enrollment challenges
 You ha...
10©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
State governments in Brazil are creatin...
11©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
In Brazil, government sees an opportuni...
12©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Biometric commercialization in other pa...
13©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Experian is being accredited by governm...
14©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Prototype: video clip
The Experian fing...
15©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Account opening,
Internet banking
passw...
16©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
What is being done to address privacy c...
17©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Market assessment:
To resolve the vulne...
18©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Building the business case
Fraud reduct...
19©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Black list vs. white list
20©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Voice biometrics – replay attack
21©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Fixed phrase vs. free speech
0
20
40
60...
22©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Using voice recordings to get large vol...
23©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Experian Brazil is developing a voice p...
24©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Biometrics on
device is not new
Making ...
25©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Who is the most innovative player
using...
26©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Who is the most innovative player
using...
27©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Who is the most innovative player
using...
28©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Who is the most innovative player
using...
29©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
The default standard for mobile is stil...
30©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
For Experian the natural entrance is to...
31©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Goode Intelligence predicts that by the...
32©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
For additional information, please cont...
33©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Visit the Experian Expert Bar to learn ...
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Vision 2014: Innovation-within-identity-proofing-processes-using-biometrics

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

  1. 1. ©2014 Experian Information Solutions, Inc. All rights reserved. Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein are the trademarks of their respective owners. No part of this copyrighted work may be reproduced, modified, or distributed in any form or manner without the prior written permission of Experian. Experian Public. Innovation within identity proofing processes using biometrics Anders Hartington Experian Brazil #vision2014
  2. 2. 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
  3. 3. 3©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. 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?
  4. 4. 4©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. It all started with the banking sector taking on biometrics on ATM´s...
  5. 5. 5©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Biometrics for security “Zero fraud” Bradesco Bank (2012)
  6. 6. 6©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Biometrics for convenience “Cardless transactions” Itau Bank (2013)
  7. 7. 7©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Biometrics for innovation “No touch technology” Banco Do Brasil (2013)
  8. 8. 8©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. All of these approaches suffer a major challenge: Enrollment
  9. 9. 9©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. 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
  10. 10. 10©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. 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
  11. 11. 11©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. In Brazil, government sees an opportunity to commercialize biometric ID validation, but… Official ID validation service
  12. 12. 12©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Biometric commercialization in other parts of the world
  13. 13. 13©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Experian is being accredited by government to act as a conduit for biometric inquiries Industry Official ID validation service Biometric authority
  14. 14. 14©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. 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
  15. 15. 15©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. 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
  16. 16. 16©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. What is being done to address privacy concerns with government providing biometric ID validation?
  17. 17. 17©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Market assessment: To resolve the vulnerability of the call center channel Relying Parties demand enhanced ID proofing using voice biometrics
  18. 18. 18©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Building the business case Fraud reduction vs. cost reduction vs. convenience? Voice biometrics is gaining ground Brazilian Telco call-center (2013)
  19. 19. 19©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Black list vs. white list
  20. 20. 20©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Voice biometrics – replay attack
  21. 21. 21©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. 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
  22. 22. 22©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. 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%
  23. 23. 23©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Experian Brazil is developing a voice print consortium based on a data monitization concept $$ Telco: 77 million recordings Bank: 180 million recordings
  24. 24. 24©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Biometrics on device is not new Making a business sense of biometrics on devices is new… and the race has just started
  25. 25. 25©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Who is the most innovative player using biometric on devices? IBM ThinkPad (2004)
  26. 26. 26©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Who is the most innovative player using biometric on devices? Motorola Atrix (2011)
  27. 27. 27©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Who is the most innovative player using biometric on devices? Apple iPhone 5S (2013)
  28. 28. 28©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Who is the most innovative player using biometric on devices? Samsung Galaxy S5 (2014)
  29. 29. 29©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. The default standard for mobile is still to be explored
  30. 30. 30©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. 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
  31. 31. 31©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Goode Intelligence predicts that by the end of 2015 there will be 619 million people using biometrics on their mobile devices
  32. 32. 32©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. For additional information, please contact: Anders.Hartington@br.experian.com Hear the latest from Vision 2014 in the Daily Roundup: www.experian.com/vision/blog @ExperianVision | #vision2014 Follow us on Twitter
  33. 33. 33©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Visit the Experian Expert Bar to learn more about the topics and products covered in this presentation.

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