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© 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.
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Innovation within identity proofing processes using biometrics
Anders Hartington Experian Brazil
#vision2014
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 © 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?
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It all started with the
banking sector
taking on biometrics
on ATM´s...
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Biometrics for security “Zero fraud”
Bradesco Bank (2012)
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Biometrics for convenience “Cardless transactions”
Itau Bank (2013)
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Biometrics for innovation “No touch technology”
Banco Do Brasil (2013)
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All of these
approaches suffer
a major challenge:
Enrollment
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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
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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
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In Brazil, government sees an opportunity to commercialize biometric ID validation, but…
Official ID validation service
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Biometric commercialization in other parts of the world
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Experian is being accredited by government to act as a conduit for biometric inquiries
Industry Official ID
validation service
Biometric authority
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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 © 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 © 2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
What is being done to address privacy concerns with government providing biometric ID validation?
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Market assessment:
To resolve the vulnerability
of the call center channel
Relying Parties demand
enhanced ID proofing
using voice biometrics
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Building the business case
Fraud reduction
vs.
cost reduction
vs.
convenience?
Voice biometrics is gaining ground
Brazilian Telco call-center
(2013)
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Black list vs. white list
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Voice biometrics – replay attack
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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
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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 © 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
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Biometrics on
device is not new
Making a business sense
of biometrics on devices is
new… and the race has
just started
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Who is the most innovative player using biometric on devices?
IBM ThinkPad (2004)
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Who is the most innovative player using biometric on devices?
Motorola Atrix (2011)
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Who is the most innovative player using biometric on devices?
Apple iPhone 5S (2013)
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Who is the most innovative player using biometric on devices?
Samsung Galaxy S5 (2014)
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The default standard for mobile is still to be explored
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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
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Goode Intelligence predicts that by the end of 2015 there will
be 619 million people using biometrics on their mobile devices
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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
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