Japanese bank launches palm scan ATMs
Ogaki Kyoritsu Bank has begun to offer card-free ATMs that allow customers to withdraw cash, make deposits and check account balance by way of biometric palm scans.
The bank, based in Japan’s Gifu prefecture, debuted the service last week at the bank’s Hashima branch and plans to expand the ATMs to 18 branches in Gifu, Aichi, Mie and Shiga prefectures and provide an ATM in Nagoya Station, one of the world’s largest rail stations.
The card-less service offered by the bank requires pre-registration. To use the service, the bank’s clients need to provide personal data such as their birthday, put their palm on the scanner and input their PIN code. The service effectively allows clients to access their banking services without the need for ATM cards or passbooks.
Ogaki Kyoritsu Bank is also developing a mobile branch solution in the event of emergencies, such as earthquakes or tsunamis.
Article Topics
ATMs | banking | biometrics | financial services | palm verification
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Japan: Bank launches two-factor #authentication for secure access to ATMs w/ out the use of cards http://t.co/7LiyAohH
Japanese bank launches palm scan ATMs http://t.co/qwNdhsB5
“Open the pod bay doors HAL.” “I’m afraid I can’t do that.” RT @EyeLock_1: Japanese bank launches palm scan ATMs http://t.co/mE2zTJO1
MT @digitalpersona two-factor #authn ATMs w/o cards http://t.co/zvi7LiKD < BUT you need PIN & DOB! What’s the lesson for 1:N #biometrics?
Japanese bank launches palm scan ATMs | http://t.co/2IEXGV98 http://t.co/MnLmUa1c #biometrics
Isn’t this a bit absurd? Needing Date Of Birth plus a PIN when #biometrics are held out to be unique?
I wouldn’t abandon cards too hastily, for the best thing about them is you know almost immediately when they’re lost or stolen, whereas a copied biometric is not noticed until it’s too late (and it cannot be revoked and re-issued).
I wonder if customers and lay people know why the DOB and PIN are still required with this state-of-the-art palm scanner? It’s unlikely the vendors are explaining it. Here it is. This ATM uses “One to Many” (1:N) biometric matching, where the presented scan is matched against a central database of enrolled templates. When the number N of enrollments climbs up to around 100,000 or more (which would be modest for a bank) the probability of a False Match becomes a problem. It is inevitable that a customer presenting their palm print alone is going to be matched against several in the database, and you cannot have a situation where customers are accessing other peoples’ accounts!
So under the covers, these ATMs sort out the false matches by asking customers for extra unique information in the form of a PIN and DOB.
The maths is simple. If a biometric is X% accurate on an individual trial basis, and if we have N enrolled templates being checked in a 1:N mode, then the probability of zero false matches is X to the power of N, written as X^N. And the probability of getting one or more false matches is 1 minus X^N.
The state of the art accuracy for infrared vascular palm scanning is 99.992% accuracy (a figure claimed by the vendor, and probably an unrealistic lab test result, but let’s accept it). For a database of N=10,000, 1:N matching on its own has a probability of one or more false matches of 55%; for N = 100,000, the probability is 99.97% i.e. basically a certainty.
Without DOB and PIN, someone using a 99.992% accurate palm scanner against a database of 10,000 has slightly higher than a fifty-fifty chance or being false matched against someone else. This is why you still need a PIN with a cardless biometric.
RT @BiometricUpdate: Japanese #bank launches #biometric palm scan ATMs: Ogaki Kyoritsu Bank has ATMs that… http://t.co/zCETIfKV
Japanese bank launches palm scan ATMs with Fujitsu PalmSecure. Poland, Brazil & Turkey done it. UK next? http://t.co/UW69mNLZ #biometrics
@BiometricUpdate With Diebold and Griaule, Lumidigm deploys fingerprint sensors into ATMs in another Brazilian bank http://t.co/GcwbGanq