Biometrics Authentication

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This document discusses using biometrics for authentication and discusses some advantages of biometrics over traditional passwords. It provides examples of banks using voice biometrics for authentication. It also discusses how biometric templates are encrypted and irreversible to protect privacy. Finally, it discusses regulations around protecting biometric data.

Technology

Simpler, faster and stronger authentication
WHY WE NEED BIOMETRICS
2

3
https://www.ocbc.com/personal-banking/online-banking/campaign/vocal-
password.html?cid=sg:en:others:ebiz:Vocal-Password:Launch:42644:social:Facebook:Link-Post::::
https://www.anz.com.au/promo
/personal/ways-bank/Voice-ID/
https://www.permata
bank.com/

voice
device
eye
I D E N T I T Y V E R I F I C A T I O N
password
personal data
behavior
face
hand
location
8

BIOMETRIC TEMPLATE IS IRREVERSIBLE
WHY ENCRYPT?

ANDROID
12
APPLEWINDOWS
FACE BIOMETRICS
FRR 5% @ FAR 0.001%

Mobile App Security
14
Device Binding
Jailbreak and Root
Detection
Device encryption
Push Notification
Secure Storage
Geolocation Fencing
Face Authentication
Voice Authentication
Dynamic One-Time-Password
Challenge Response OTP
Transaction Signing
Eye Authentication
Fingerprint Authentication

Deployment of Biometrics in Banking
16
Eye

PASSWORD
INNOVATRICS IFACE 3.0
FRR 0.6% @ FAR 1%
FRR 1.2% @ FAR 0.1%
17

ROC CURVE TEST SCENARIO
1,000 enrolments
1,000 live samples
Cross matching to plot FAR – FRR results
Expected outcomes:
1,000 genuine scores
999,000 impostor scores
18
Measuring biometric accuracy

REGULATIONS FOR PROTECTING BIOMETRIC DATA
Definition of personal / biometric data
Consent of data subject Revocability of consent
General principles of protection
Roles of controllers / processors Security and compliance

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Biometrics Accuracy - Realities and Fallacies

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AI and biometrics will provide a new level of multi-dimension digital security for online and mobile banking which was elusive and unattainable in the past. The privacy and confidentiality of PII and personal biometric data (original raw data should be discarded after enrolment) is not undermined nor compromised by a robust biometric system. The biometric template, a mathematical code of a few thousand bytes or more, is equivalent to a password ciphertext or hash value, but vastly more secure as it has no decryption key, and which is immune to reverse engineering or brute force attack, is used for authenticating the customer based on his/her claimed identity. A biometric template of say 2,400 bits will have a permutation variable size greater than the key space of a 256 bit AES cryptographic system. It is not physically or functionally feasible to brute force attack a 256 AES bit key size encryption system. The universe space of a 2,400 bit biometric template system is much bigger than AES 256 bit key space. So, hacking or breaking a biometric template is infeasible. Biometric systems are not interoperable and should not be "shared" or multi-tenanted in any cloud. Your identity is better protected by a strong biometric system than any password or knowledge-based challenge response system. As always, 2FA (Two Factor Authentication) is the foundation on which a biometric system should operate.

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Biometrics Authentication

2. Simpler, faster and stronger authentication WHY WE NEED BIOMETRICS 2

3. 3 https://www.ocbc.com/personal-banking/online-banking/campaign/vocal- password.html?cid=sg:en:others:ebiz:Vocal-Password:Launch:42644:social:Facebook:Link-Post:::: https://www.anz.com.au/promo /personal/ways-bank/Voice-ID/ https://www.permata bank.com/

4. AT OCBC, MY VOICE IS MY PASSWORD

5. VOCAL PASSWORD vs FREE SPEECH

7. SPEECH

8. voice device eye I D E N T I T Y V E R I F I C A T I O N password personal data behavior face hand location 8

10. AUTHENTICATED

11. BIOMETRIC TEMPLATE IS IRREVERSIBLE WHY ENCRYPT?

12. ANDROID 12 APPLEWINDOWS FACE BIOMETRICS FRR 5% @ FAR 0.001%

13. FaceID accuracy 1 : 1,000,000 2D vs 3D

14. Mobile App Security 14 Device Binding Jailbreak and Root Detection Device encryption Push Notification Secure Storage Geolocation Fencing Face Authentication Voice Authentication Dynamic One-Time-Password Challenge Response OTP Transaction Signing Eye Authentication Fingerprint Authentication

15. equivalent HSM security

16. Deployment of Biometrics in Banking 16 Eye

17. PASSWORD INNOVATRICS IFACE 3.0 FRR 0.6% @ FAR 1% FRR 1.2% @ FAR 0.1% 17

18. ROC CURVE TEST SCENARIO 1,000 enrolments 1,000 live samples Cross matching to plot FAR – FRR results Expected outcomes: 1,000 genuine scores 999,000 impostor scores 18 Measuring biometric accuracy

19. REGULATIONS FOR PROTECTING BIOMETRIC DATA Definition of personal / biometric data Consent of data subject Revocability of consent General principles of protection Roles of controllers / processors Security and compliance

20. tony.chew@v-key.com enquiries@v-key.com

Biometrics Authentication

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