BT/ Mastercard joins Mercedes to put finger-sensor purchases within cars

Paradigm
Paradigm
Published in
21 min readOct 9, 2023

Biometrics biweekly vol. 74, 25th September — 9th October

TL;DR

  • Global finance company Mastercard says its mobile pay systems have been integrated with Mercedes-Benz vehicles in a service called Mercedes pay+
  • Google’s newest Pixel smartphone, the Pixel 8, has been unveiled, and features “Class 3” facial recognition technology
  • A team of Sony and Tokyo University researchers say they have created a better way to measure apparent skin color in computer vision, a task at the heart of worries that facial recognition algorithms might never grow beyond harmful biases
  • A new study claims success, inspires app using face biometrics to match dating pairs
  • Digital signature platforms add selfie biometrics and liveness from Svort, FaceTec
  • Innovatrics launches video injection attack prevention tool
  • iBeta is accredited to expand biometric quality assurance and performance testing
  • BixeLab highlights half-century-long identity fraud in the latest risk alerts newsletter
  • ComplyCube releases No-ID age estimation tool as regulations tighten
  • Hypr pivots to identity assurance, launches new product
  • Lloyds Bank launches reusable digital ID app with Yoti biometrics and liveness detection
  • Shufti Pro reaches 1000 client milestone, upgrades AI accuracy
  • AuthID saw a 300 percent increase in quarter-over-quarter sales, the company has announced
  • Thales provides digital ID and CIAM for Finland’s largest healthcare provider
  • ProofID acquires Regatta, expands SailPoint services
  • Face biometrics from Veridas implemented in Santa Laura stadium for access security
  • Behavioral biometrics power anti-fraud tool from BioCatch, deal for Nice
  • OpenID emphasizes a human-centric approach, and risk reduction for govt ID implementation
  • Philippines adds digital ID to govt super app as World Bank okays $600M support
  • Denmark’s digital ID is soon to be valid in neighboring countries
  • Brazil and Argentina turn to blockchain for citizen ID rollouts
  • UK trust framework certifies TECH5’s contactless biometric capture
  • UAE makes national digital ID mandatory for access to industrial sector services
  • Australian firm loses biometrics patent infringement suits against Apple
  • Swedish police are looking to surveillance technologies to tackle heightened gang violence in the country
  • Mumbai Railways installing 1000s of facial recognition cameras
  • Biometric industry events. And more!

Biometrics Market

The Biometric system market size is projected to grow from USD 36.6 billion in 2020 to USD 68.6 billion by 2025; it is estimated to grow at a CAGR of 13.4% during the forecast period. Increasing use of biometrics in consumer electronic devices for authentication and identification purposes, the growing need for surveillance and security with the heightened threat of terrorist attacks, and the surging adoption of biometric technology in automotive applications are the major factors propelling the growth of the biometric system market.

Biometric Research & Development

Latest Research:

Assessing skin hue to skin tone makes measuring biometric bias easier — research

A team of Sony and Tokyo University researchers say they have created a better way to measure apparent skin color in computer vision, a task at the heart of worries that facial recognition algorithms might never grow beyond harmful biases.

In their pre-print paper posted on Cornell University’s arXiv server, the scientists say their proposal is a “simple, yet effective, first step towards a multidimensional skin color score.”

They have added a skin hue axis — from red to yellow — to simple skin tone for measuring. The result, they say, is a multidimensional color scale in an x-y chart combining tone and hue for assessing fairness in algorithms.

Conventionally, industry and government use Fitzpatrick skin classification to diagnose skin-color bias in computer vision. But Fitzpatrick is only a measure of skin tone, from light to dark.

Bias can be bad enough when software misidentifies people, but it can be injurious to people’s health, too. The team (two from Sony and one from Tokyo University) cite two medical examples related to skin classification.

It can render less accurate diagnoses of skin lesions or erroneously record heart rates.

The combination of tone and hue helps better read biometric data from, or in the case of synthetic models, attributed to people. White skin darkens with age but also reddens. Asian skin also darkens but also grows yellower.

Study claims success, inspires app using face biometrics to match dating pairs

It turns out that all humans might just be books that can be accurately judged — by AI — for neuroticism and romantic compatibility.

A study published in the Journal IEEE Access reportedly found that one’s personality can be “reliably predicted” at least 70 percent of the time using facial recognition software.

Five Chinese researchers say their algorithm accurately classified static images of people according using the so-called big five personality traits: neuroticism, extroversion, openness, agreeableness and conscientiousness. Accuracy was judged against subjects’ self-reporting.

The results are based on a dataset of 13,347 pairs of face images and personality traits created by the researchers. A deep neural network of 10,667 sample pairs was pulled from the dataset to test the leftover biometric samples to validate against self-reported traits.

Neuroticism and extroversion apparently are most obvious on a face, at least for the algorithm. They were predicted with 90 percent accuracy, according to the study’s authors.

Developers of dating software are on the same scent. A pair of sisters saw the personality trait study and started SciMatch based on its findings.

SciMatch claims that emotional relationships can be stably built on facial templates. Common interests are fine for predicting compatibility, according to the company, but getting those templates analyzed and categorized is necessary.

Skepticism might be due in this case. The company describes its methods as “utilizing Ruby, an AI-powered matchmaking robot and personal virtual assistant.” Take a selfie and find a lifetime mate.

For the most part, most facial recognition apps are being used for more tactical dating purposes, like the identity verification from Yoti for the matchmaking app Muzz.

Brain biometrics help identify sports concussions

Novel brain biometrics could help inform whether an athlete is ready to return to play following a concussion, according to new research from the University of South Australia.

Conducted in partnership with the University of California San Francisco (UCFC), researchers found that changes in micromovements of the brain — termed ‘headpulses’ — could detect the lasting impacts of a concussion.

Using a custom-designed headset* to evaluate headpulse biometrics among 101 amateur male and female Australian Rules Football players in South Australia, researchers identified brain abnormalities in 81% of players inflicted by concussion, signalling sustained injury beyond expected recovery times.

Study cohorts drawn from the Australian and University of California San Francisco Concussion Study in Athletes (AUSSIE), which included feasibility (A1) and validation (A2) phases. An individual was considered enrolled if they provided at least 1 headpulse recording. One concussed individual in the A2 cohort sustained 2 concussions separated by more than 1 month. Recordings with excess body motion or poor quality electrocardiogram recordings were excluded; this led to the exclusion of 1 control participant. Biometric onset and offset analysis required 2 or more recordings in the first week following injury; 12 individuals were excluded (5 because of poor quality recording and 7 withdrew after the first recording) resulting in 32 individuals for temporal analysis.

These headpulse alterations lasted 14 days beyond concussion symptoms and were exacerbated by return-to-play or unsupervised physical activity.

UniSA Professor of Exercise Science Kevin Norton says that headpulse measures could complement current return-to-play protocols.

“Traumatic brain injury inflicts more than 60 million people every year, with a third of these being sports-related,” Prof Norton says. “While we know that Australia’s sports sector takes concussions seriously — via considered return-to-play protocols — we also know that objective measures of concussion recovery are not fully established.

“In this research, we used headpulses — a normal measure of brain ‘wobble’ aligned with each heartbeat — to assess any changes in frequency resulting from a concussion. We discovered that almost all players who received a concussion had a ‘disconnect’ between their symptoms and the headpulse, such that even when the players said they felt good, the headpulse still showed evidence of brain injury.”

While most players felt that they’d recovered 10–14 days after their injury, the research showed that some players took up to four weeks to recover and return to normal headpulse patterns.

Biometric Z Scores and Neurobehavioral Symptom Inventory (NSI) Scores for 30 Days Following Concussion. A, individuals who did return to play (RTP) had marked increases in Z scores in the latter half of the month compared with those who did not. Most players who RTP had done so by day 14 (5 by day 7, 11 by day 14; indicated with black arrows). B, NSI scores plotted for individuals who RTP compared with those who did not showed that most individuals who RTP were symptom free for the second half of the month. NSI scores were lower in those who RTP.

Australian Football concussion recovery protocols require 24 to 48 hours of strict physical and cognitive rest, followed by graded individual then team training, provided there is no symptom exacerbation; the earliest allowed return-to-play after protocol completion and medical clearance is 12 days after a concussion.

The Australian Senate Committee’s report Concussions and repeated head trauma in contact sports released this month, recommends that national sporting associations should explore further rule modifications for sports to prevent and reduce the impact of concussions and repeated head traumas.

Main News:

Mastercard joins Mercedes to put finger-sensor purchases within cars

Global finance company Mastercard says its mobile pay systems have been integrated with Mercedes-Benz vehicles in a service called Mercedes pay+.

In Germany, 3,600 gas stations also are being integrated. According to marketing material from Mastercard, drivers of equipped Mercedes models reportedly can pay for fuel within the vehicles using their fingerprints. The carmaker already incorporates the biometric sensor.

Mastercard‘s secure card on file service is part of the integration and bridges the consumer in the car with vendors. The company claims this work is “the first use case for native in-car payments at the point of sale.”

Being able to authorize a transaction with biometrics on a car dash reduces the times people would have to make the same purchase using a phone. It is not a new concept.

According to Mastercard, Mercedes pay+ was launched in 2018, but it is not clear which finance company, if any, was involved in the interim.

In the promotional content, Nico Kersten, CEO of Mercedes pay+, says the third-party connectivity that his unit has created “can take the in-car payment experience to the next level.”

Collaboration with Mastercard has made the authentication experience easier for motorists, says Kersten.

“We have a lot of ideas about what drivers and passengers would like to use” when it comes to information services in cars. “We’re working hard to keep giving our customers the most valuable gift: their own time.”

Google’s newest Pixel smartphone, the Pixel 8, has been unveiled, and features “Class 3” facial recognition technology

That’s a considerable improvement over the Pixel 7’s “Class 1” technology, which was too weak to be used to authorize app logins or payments — applications that the Pixel 8 will allow. While the Pixel 8 doesn’t use the sophisticated 3D imaging featured in the Pixel 4, Google says its latest facial recognition tech was enhanced using Machine Learning and AI.

Google has also revealed the Pixel Watch 2, which features new biometric sensors. In addition to a heart rate monitoring capability, it has a continuous electrodermal activity (cEDA) monitor, which can scan the user’s sweat. Combining that data with pulse and heart rate variability, as well as data from a skin temperature sensor, enables the device to estimate when the user is stressed. What’s more, the back of the device’s chassis has been redesigned so as to maintain constant contact between the sensors and the user’s skin, allowing for more reliable readings.

Digital signature platforms add selfie biometrics and liveness from Svort, FaceTec

A biometric signing system developed with the support of the Ministry of Digital Development and Transport of Azerbaijan will make it difficult for individuals to append fraudulent signatures on certain official government documents.

The solution comes thanks to SiMA imza, a digital signature certificate platform and AzIntelecom LLC, the state-owned IT and security solutions company, according to an announcement. SiMA’s face biometrics and liveness detection are provided by Svort, through a deal signed in early 2022.

The solution will be useful to access several government services that require a digital signature, the Azerbaijan State News Agency reports, adding that the state tax services have already informed their customers of the introduction of the new functionality.

With the new feature, Svort’s selfie biometric identification using facial recognition and a liveness detection check will be required for anyone logging onto the SiMA mobile app. This will help determine whether the person signing in is the real owner of the account.

Officials have explained that the introduction of the system is part of efforts by the government to fight document signing forgery, which a recent investigation by law enforcement and court officers revealed, is common with financial crimes cases in the country.

It is their hope that with the biometric feature added to SiMA, digital signature fraud will be curbed in other domains including banking and finance, insurance and digital trade. Service providers in these sectors have already been urged to adopt the biometric system.

Plans are also ongoing to link the SiMA imza with the digital tax filing portal, a move that will not only reduce incidents of fraud but also financial cost.

SmilePay, an Azerbaijani startup, launched a biometric payment system using facial recognition in August last year.

VirtualSignature-ID selects FaceTec

UK-based and government-certified digital signature provider VirtualSignature-ID has selected FaceTec to build selfie biometrics and 3D liveness detection into its platform to help small and medium-sized enterprises adopt digital identity verification.

The company’s privacy policy makes clear that FaceTec provides the biometrics capability, while GB Group, Equifax and LexisNexis provide checks of sanctions and other databases.

VirtualSignature-ID’s software is intended to help legal, financial, accountancy and property companies verify the identity of the person signing a document, as well as the witness, in some cases. This verification contributes to anti-money laundering (AML) and know-your-customer (KYC) compliance of these businesses’ processes.

The announcement refers to the fraud rates and regulatory response that have contributed to the growing demand for digital signature services.

Innovatrics launches video injection attack prevention tool

Deepfake scams have been on the rise and identity verification companies are rushing to tackle them. One of them is Innovatrics, which has introduced a new biometric face verification tool against sophisticated identity fraud.

The company’s Video Injection Attack Detection works with its matching algorithms to confirm a user’s identity by comparing their selfie with their ID portrait. At the same time, liveness detection ensures that the user taking the selfie is indeed present and alive, the EU-based biometric solution provider explains in a release.

The facial recognition tool is meant to prevent fraud such as man-in-the-middle attacks or video injection spoof attacks, which involve injecting fake videos into the remote identity verification process. The Innovatrics Video Injection Attack Detection can detect the authenticity of the camera used during identity verification by capturing not just the video frame from the camera but also camera details.

Deepfakes and synthetic identity fraud have been dominating headlines in the past year, with companies such as ID R&D, PixLab, Intel, VisionLabs and Sumsub releasing anti-deepfake solutions over the summer. In September, both European and U.S. agencies issued guidelines on tackling the rising threat.

But deepfakes can also be used for good. Using synthetic data for training algorithms could solve the issue of restricted access to biometric data due to the upcoming European Union’s AI Act, according to Innovatrics.

The company recently demonstrated its use of generated data for improving algorithms at the Eastern European Machine Learning Summer School organized by Google DeepMind in Kosice, Slovakia. It has also been using synthetic fingerprint fragments to improve algorithms used for detecting fingerprints at a crime scene.

iBeta is accredited to expand biometric quality assurance and performance testing

Colorado-based iBeta Quality Assurance has been certified with accreditation to expand its biometric security testing capabilities. In a release, the firm announced the results of a bi-annual NIST audit under the National Volunteer Laboratory Program (NVLAP) Testing LabCode 200962–0 for the new 30107–3:2023 standard.

The accreditation certifies iBeta to conduct biometric Presentation Attack Detection (PAD) testing to standards ICO/IEC 30107–1 (2016), 30107–3 (2017) and 30107–4 (2020). Additionally, it expands capabilities for the biometric scenario and technology performance testing used in iBeta’s Bake-off and Face-off services to the ISO/IEC 19795 standard.

Certificate of Accreditation to ISO/IEC 17025:2017 for biometrics testing is effective through September 30, 2024, and is listed on iBeta’s website.

“With these accreditations, iBeta can provide our clients a wide range of testing to various standards along with our Face-off and Bake-off and custom biometrics testing services,” says Ryan Borgstrom, Director of Biometrics at iBeta. “We are pleased be able to assist the biometrics industry by providing extensive independent third-party testing solutions.”

While iBeta continues to prioritize testing for conformance to international standards, it has also advocated for Ad Hoc testing on experimental and specialized biometrics technologies that may fall beyond the scope of existing standards. The firm outlined its position in a recent white paper, “Biometric Ad Hoc Testing: When the Standards Don’t Meet Your Goals.”

BixeLab highlights half century-long identity fraud in latest risk alerts newsletter

Connecting digital IDs with our real-world identities is becoming crucial in many of our everyday activities, from making online payments to accessing government services. Biometric and identity testing and certification laboratory BixeLab has published a new edition of its newsletter on digital ID threats, following the release of its primer dedicated to trustworthy digital ID.

The laboratory published its quarterly open-source newsletter last week with an analysis of recent cases of biometric threats, ID fraud and identity vulnerabilities. It recounts the discovery of an American man discovered to be using the identity of a brother who died more than 50 years ago.

The third issue of the BixeLab “I.D. Risk Alerts” newsletter also covers industry and policy news.

The “Ensuring Trustworthy Digital Identities” primer explains key processes in remote digital identity verification such as biometric matching, document verification, presentation attack detection and optical character recognition. It then lays out the threats to these processes and solutions to mitigate them.

The solutions include a variety of evaluation strategies for remote digital identity verification systems, from testing biometric matching algorithms with diverse sets of images to detecting different types of presentation attacks.

A key point of emphasis is the use of the standards and expertise that contribute to the maturity of the digital identity ecosystem.

The BixeLab primer includes a breakdown of digital identity standardization efforts such as the United States NIST SP 800–63, the European Union’s eIDAS regulation, Australia’s Trusted Digital Identity Framework (TDIF), the UK Trust Framework and FIDO Identity Verification and Binding.

UK trust framework certifies TECH5’s contactless biometric capture

Contactless biometrics provider TECH5 has announced that, following an assessment, it has successfully met the requirements of the UK’s Digital Identity and Attributes Trust Framework (DIATF). According to a release, the company received a SA ACCS /DISC certificate of conformance, covering its contactless biometric capture for integration into client verification systems including liveness, matching, and digital ID credential issuance.

The set of rules and standards that comprise the DIATF were designed by the UK government to establish trust in digital ID products and proper governance of remote identity verification methods.

Among the TECH5 products to be certified are the T5-AirSnap, a contactless fingerprint capture and liveness detection tool that recently passed iBeta presentation attack detection (PAD) Level 1 evaluation; the T5-OmniMatch, a multi-modal biometric matching platform; and T5-IDencode, a platform for issuance of encrypted digital credentials protected by biometrics.

“We at TECH5 are delighted to become a trust framework participant and receive one more proof that our technologies are compliant with the latest requirements and regulations to provide secure and inclusive digital IDs,” says Andy Gray, Vice President Sales and Business Development for Europe at TECH5.

TECH5’s algorithms have consistently ranked in the top tier of NIST rankings for face, fingerprint and iris recognition.

IDnow answers DIATF’s call for next-gen identity proofing

IDnow, which provides identity proofing, video identification and e-signing in the European market, also boasts new credentials. In a release, the firm announced it has achieved DIATF levels of medium and high for its automated, AI-based IDCheck.io product suite.

To achieve the accreditation, IDnow was required to demonstrate that IDCheck.io offers a wide and diverse array of identity documents, show compliance with data protection legislation by enabling users to easily access details about how their personal data is stored and to put in place an information management system (IMS) that follows a recognized industry standard, such as ISO/IEC 27001.

The DIATF accreditation also recognizes IDnow’s best practices in fraud management and reporting.

Rayissa Armata, Senior Head of Regulatory Affairs at IDnow, says the DIATF “should act as a wakeup call for all service providers to prepare for the next generation of digital identity proofing solutions in the UK”.

“The Framework can go a long way to encourage UK businesses to implement digital identity solutions by enabling smoother, more secure online transactions that lead to higher conversion. This will instill trust and save businesses considerable time and money.”

Australian firm loses biometrics patent infringement suits against Apple

A U.S. patent body has ruled against an alleged patent-trolling Australian company and in favor of Apple in a patent-infringement case involving Apple’s Touch and Face ID apps.

CPC Patent Technologies charged that Apple infringed on two patents related to biometric device security that CPC acquired in 2019 from defunct firm Securicom.

The Patent Trial and Appeal Board dismissed CPC’s claims, saying the two patents at issue are obviously based on earlier work, making them invalid. CPC had sought to combine the precedent set in two previous cases, but the judgement from the United States Patent and Trademark Office finds no reason to combine them except “impermissible hindsight.”

The infringement case numbers for the patents are IPR2022–00601 (patent 9,269,208 B2) and IPR2022–00602 (patent 9,665,705 B2), according to trade publication Law360.

These Weeks’ News by Categories

Access Control:

Mobile Biometrics:

Financial Services:

Civil / National ID:

Government Services & Elections:

Facial Recognition:

Fingerprint Recognition:

Liveness Detection:

Biometrics Industry Events

A silicon-free future for biometric sensors: Oct 12, 2023

7th Edition OFSEC — Oman Fire, Safety and Security Event: Oct 9, 2023 — Oct 10, 2023

13th Africa Bank 4.0 Summit — West Africa: Oct 10, 2023 — Oct 12, 2023

Biometrics Institute Congress and side events: Oct 16, 2023 — Oct 19, 2023

Authenticate 2023: Oct 16, 2023 — Oct 18, 2023

Next-Generation Payments 2023: Oct 18, 2023 — Oct 19, 2023

ID4Africa Livecast: UNDP and NIST Guidelines for Digital Identity and its Governance: Oct 18, 2023

Money20/20 USA: Oct 22, 2023 — Oct 25, 2023

Global Semiconductor and Electronics Forum (GSEF): Oct 26, 2023 — Oct 27, 2023

DIDO For Banking (4th Annual) Digital Identity and Digital Onboarding: Nov 6, 2023 — Nov 7, 2023

Future Identity Festival: Nov 13, 2023 — Nov 14, 2023

DIDO For Banking (4th Annual) Digital Identity and Digital Onboarding: Nov 6, 2023 — Nov 7, 2023

Future Identity Festival: Nov 13, 2023 — Nov 14, 2023

The 9th Edition Connected Banking Summit — West Africa: Nov 15, 2023 — Nov 16, 2023

Cyber Security in Financial Services Summit: Nov 21, 2023

7th Annual Privacy and Data Protection Summit: Nov 23, 2023 — Nov 24, 2023

TRUSTECH: Nov 28, 2023 — Nov 30, 2023

Border Security Week — East Africa: Nov 28, 2023 — Nov 29, 2023

Showcase Australia — Discussing responsible biometrics: Nov 29, 2023

AI and Big Data Expo Global: Nov 30, 2023 — Dec 1, 2023

Egypt Defence Expo — EDEX: Dec 4, 2023 — Dec 7, 2023

Innovations in Lending, Alternative Financing, Fintech & Private Credit Summit: Dec 5, 2023 — Dec 7, 2023

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