Time Attendance Machine for bank employees
Carrying out a correct implementation of this technology is essential. Geography and culture are important factors; there is no magic bullet.
Many financial institutions are looking for biometric solutions to improve customer trust, convenience, security, and comfort and protect the bank and its facilities.
Several biometric technologies are available on the market, including facial recognition, fingerprint detection, iris, vein, and voice recognition.
Security and trust
Every day, newspaper headlines remind us that fraud and identity theft are a constant threat increasing every day. It builds fully trusted in transactions; it is essential to focus on the user experience. Banking customers demand an agile, fast, and satisfying expertise across all office channels.
Employees also want a better user to have experience of, while their employers demand fast, efficient, and secure processes. These goals must be achieved without increasing costs or complicating the compliance process.
Biometric Time Attendance Machine solutions can offer the benefit of supporting multiple strong authentication methods. For example, at the consumer level, since the EMV (Euro pay / Mastercard / Visa) interoperability standard improves card security, biometrics can improve PIN security while creating a much more comfortable experience for the bank customer (see Fig. 1).
Some of the authentication options that combine different media include solutions with cards and biometric media, phone and biometric media, and ”devices” solutions that combine an account number and biometric media. Biometric solutions also improve productivity by streamlining transactions and eliminating passwords.
The solutions can be used across multiple channels, from online and mobile banking to ATM transactions, bank tellers, a call center, and vault access. It is essential to define from the beginning: where will biometric authentication take place? At the bank cash desk? And if so, will the deployment be fixed or mobile? When using biometric sensors in mobile applications, it is important to know that there are large variations in checking the captured biometric sample to verify that it belongs to a living user.
Biometrics can also be used for employee authentication. Applications in this domain include logical network access, shared workstations, call centers, and remote applications. Biometrics can also be used for transaction verification in applications, including working with customer records, money desk, transfer, remittance, and authorization processing. Finally, biometric authentication is ideal for controlling access to customer accounts, whether at ATMs, branches, and safes.
There are many options for biometric modalities, from facial, iris, and vein recognition to voice recognition and fingerprints, in conventional or multispectral modalities. Choosing between these and other options requires a benchmarking of ease of use, the ability to detect counterfeits, verify that the user is alive, interoperability, and, if necessary, the availability of the mode in mobile applications. Biometric recognition is one of the most popular modalities.
According to forecasts by Yole Development, the demand for consumer applications will grow by 19 percent of the total volume of shipments until 2022, when the market value will be $ 4.7 billion.
Realize all the benefits of fingerprint biometrics
When it comes to fingerprints, the image captured at enrollment is the most important part of the entire system. Bad ideas lead to bad decisions. Many clients choose multispectral imaging sensors because they collect information about the fingerprint present, thereby substantially increasing the knowledge. It achieves this; the skin is illuminated with different beams of light at different wavelengths, which helps obtain much more complete data on the fingerprint’s surface characteristics and subsurface characteristics.
Equally important is live finger detection, or the ability to detect fake fingerprints. This feature affects both security and privacy protection. Security depends on the sensor; the most resistant ones make it easier to determine in real-time if the biometric characteristics presented are genuine and are being offered by the actual owner. If a person makes an image or some fake finger made of plastic or a high-quality photocopy can no longer access it. This requires advanced machine learning algorithms so that the solution can adapt and respond to new threats and phishing attempts as they are identified.
Machin systems must be implemented correctly in terms of data security, encryption, and overall system architecture. The requirements depend on several factors. For example, where is the biometric template stored? How and where is enrollment done? Will the authentication point be fixed, or must it be mobile? There are several data processing (back-end) implementation options to consider, including authentication at the steller’s PC, phone, biometric device, or server. Each of them has its superiority and disadvantages etc., and the additional option of strong encryption. Each end-user, depending on their needs, must establish the architecture that best suits their interests.
The fingerprint sensor in the ATM is responsible for live finger capture, verification, and template generation. There is a central administration of the database of fingerprints that are kept on the bank-protected servers. If such validation is done cashier PC on the sensor itself, the template is only sent once, even if it retries the process. It reduces network traffic. Cryptography prevents any Mi TM attack (an intermediary that can divert or control communications between two parties) and protects the biometric database.
Caption: Implementation of validation in the fingerprint sensor of the ATM with encryption.
Conclusions
Biometric solutions are increasingly crucial in all banking channels. Convenience can be as valuable as fraud reduction, but there is no magic bullet, and customers need options.
Pilot tests must always be carried out so that the institutions perceive the actual performance of the planned biometric solution.
Ultimately, choosing a biometric sensor explicitly designed for the task at hand and proper implementation is what makes the difference between winner and failure.
New biometric solutions for government agencies
HID Global announces a new collaboration agreement with Henry, a Brazilian manufacturer, and integrator of time and attendance control products.
This alliance aims to strengthen a multispectral fingerprint sensor solution for monitoring time and attendance in entities that demand greater security and usability in their systems.
The challenges faced by the government, in general, the industries in Bangladesh to monitor and certify the attendance of their employees to work through biometric systems have become a difficult task due to the use of false fingers as a method of fraud. “We have witnessed many incidents involving people using fake fingers; This deception represents government entities and private sectors the loss of a large sum of budget. It was paid to officials who were absent from their jobs but present in the time and attendance machine system”, explained Juan Carlos Tejedor, director of biometric solutions sales HID Global for Latin America.
In that sense, Henry selected MSI (Multi-Spectral Imaging) to solve this situation and is now offering a robust and secure solution for a Brazilian government entity. The company recognized the superior qualities of this technology and is the first company in the country to integrate MSI into a time and attendance system.
Fingerprint technology multispectral HID Global’sGlobal’s proprietary captures unique skin surface and subsurface characteristics, making it the most reliable fingerprint capture technology on the market. It works with usual fingers and with fingers that are wet, dry, or damaged, in all conditions of use, whether it has dirt, grease, or direct sunlight. Humid or cold conditions also do not affect its operation.
The solutions biometry Lumidigm® HID Global also have resources’ resources’ Activity Detection’ upgradable in the field to help eliminate fraud, avoiding the use of fingerprints false or attacks’ attacks’ fake”. The devices use a top-rated NIST-certified MINEX III minutia algorithm, interoperable with industry-standard fingerprint databases.
HID Global’sGlobal’s Lumidigm biometric sensors with multispectral technology are currently used in retail banks, financial institutions, and government agencies in Latin America to create a more convenient user experience, increasing the security of ATMs and other transactions.
Presence in Latin America:
- More than 115,000 multispectral fingerprint sensors have been implemented in Brazil to protect billions of transactions per year at ATMs; this represents 80% of the ATMs that more than 85 million bank customers use.
- Financial institutions in Chile and Argentina adopted HID Global technology to guarantee pension payments to more than 5 million citizens.
- HID Global’sGlobal’s multispectral fingerprint devices helped eliminate fraud in Mexico’sMexico’s national vaccination program and other healthcare initiatives that help thousands of citizens without subsidies for drugs and healthcare.
