Communications of the ACM
More Secure Bank Cards
A new automated security system inspects the signatures on the back of bank cards to prevent fraud.
Credit: Fraunhofer Institute
Researchers at the Fraunhofer Institute for Computer Graphics Research have developed an automated system for inspecting handwritten signatures directly on a bank card.
The system, which features a device with a biometric on-card comparison that inspects the signature, is designed to make payment transactions more convenient. The Fraunhofer system can ascertain if the cardholder's signature is genuine based on the chronological progression of the pen's position.
"The combination of knowledge, possession, and biometrics is ideal, and guarantees a substantial additional benefit to the convenience and security for the cardholder," says Fraunhofer researcher Alexander Nouak.
He notes the system meets all the conventional standards, so that it can be recorded onto any ordinary EC or bank credit card. "The comparison between the presented data and the biometric data stored in the card is done directly on the chip in the bank card, which is protected according to established standards," Nouak says. As a result, he says it is impossible for the biometric data to be stolen through an external device.
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