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from cartes Consumers have a say at Cartes By Julien Happich This year, the CARTES Secure Connexions exhibition was hosting a Start-up Challenge, offering new players to pitch their business cases and product ideas, with a 10,000 euros check for the winner. Software was the name of the game, in particular for three start-ups that caught my attention. In a show where the word freedom is only associated with the right to spend, most ideas revolved around faster payment and better user experience to comfort consumers into impulse buying patterns. Created in 2012, ScanPay had already launched a first application last year, enabling users to scan the details of a credit card by simply holding it in front of their smartphone’s camera, for faster credit card entry into online payment gateways. Based on the same image processing and optical character recognition principles, French Cofounder and COO Kevin Guieu presented two novel applications that he said will be ready for 2015, ScanFill and ScanCheck. While ScanFill will have extended image processing capabilities to turn smartphones and tablets into data extractors for all types of documents (utility bills, ID cards or driving licenses to name a few) and speed up online registration, ScanCheck will take this data extraction further and match it with certified databases for a strong authentication of the users, say to open a bank account remotely. “Registration procedures for loyalty schemes are often too time consuming and can put off consumers”, explained Guieu, “With ScanCheck, you no longer have to scan or copy your documents and send them through the post with your signature, authentication and online registration is all done in a few seconds” he added. In order to perform the authentication, the company has to access a remote database and find a 100% match. That database is something ScanPay has to build through agreements with utility providers and officially certified ID databases. “To make sure that the card holder is really who he/she claim to be, and also to prevent a static photo to be presented instead of the real document, we’ll ask users to hold their ID document under the camera in video mode and then to perform a selfie for comparison” told us Guieu. “Our vision processing algorithms will perform real-time facial matching thanks to the detection of facial movements”. All applications will be iOS & Android compatible and licensed for shop-owners or banks to integrate them into their web portals (for faster registration and verification). Fintech-Labs’ Card Management Module offers one-time virtual card numbers. Fintech-labs’ Director Parinda Kularatne had been developing secure card and banking applications for a number of years before starting up his own company with several of his colleagues in 2012. “Often, banks miss the consumer bit, their secure portals are not interactive enough and bank accounts typically lack the flexibility that consumers are used to have with their mobile phones applications”, explained Kularatne during a one-to-one interview with EETimes Europe. The Card Management Module that Fintech-Labs has launched last year (deployed by Metro Bank last summer), allows users to temporarily block and unblock their cards. So in the case you lose your card, instead of having to call a special number and go through ID verification to block it and wait a week for a new one, only to find out an hour later that you only had misplaced it, you can just select the corresponding card from your smartphone app and block it. “This is particularly interesting for banks since over 60% of bank cards that are reported lost are in fact only misplaced by the user. So you save time and money on not systematically issuing new cards”, commented Kularatne. But what’s clever about the Card Management Module is that you can temporarily block all your credit cards to unlock them only during a purchase, or you could geo-fence your spending (based on geolocation data provided by the smartphone) so as to prevent internet frauds from places where you are not present. The application allows you to momentarily program a lower spending limit, or even better, to get a virtual card number with a one-time use to make card payments in untrusted environments (when you fear data skimming, online or in the real life). On top of all these options, the application leverages all of the smartphone’s sensors to create unique user behaviour patterns, so in case an unusual form or context of spending is detected, it could alert the user and ask for authorisation. There is some similarity here with Syniverse’s Fraud Management System, one of the finalists for the 2014 Sesames awards in the Trusted Internet / authentication category. ScanCheck in operation on a smartphone. Of course, geolocation goes together with target marketing, 12 Electronic Engineering Times Europe December 2014 www.electronics-eetimes.com


EETE DEC 2014
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