False Accept Rate (FAR) / and False Reject Rate (FRR) exceed payment scheme specifications (VISA and Mastercard). The FRR is comfortably below 3% for 0.01% FAR (1:10,000). The algorithm also provides presentation attack detection (“anti-spoofing”), per latest payment scheme requirements.

Zwipe Access doesn’t store the full user's fingerprint but only an abstract representation of the characteristic features extracted from the captured fingerprint images. This is called a biometric template. 

The registration of the cardholder’s fingerprint(s) is called enrollment. 

During the enrollment, the fingerprint sensor passes the captured fingerprint images to the biometric secure element (SE) using a secure channel. The biometric secure element then extracts and securely stores the biometric reference data. After this process is completed, all the captured images are deleted and only the extracted biometric reference template is stored in the Zwipe Access card secure memory. 

Likewise, during later verifications, a freshly captured image is passed in over a secure channel from the fingerprint sensor to the secure element. The secure element then extracts another fingerprint template (called the probe template) and compares it with the reference template. An accredited 3rd party laboratory has reviewed this architecture and performed tests per EMVCo, Visa, and Mastercard requirements.

Zwipe's biometric platform can be embedded in a wide range of form factors. Our current focus is on card and wearable products within payments, access control and ID. 

The payments ecosystem is constantly trying to manage the inherent trade-off between security and convenience. Often, making a system more secure means making it less convenient to use and vice versa. For example, regulatory authorities and issuers have imposed contactless transaction limits, capping the amount you can spend without cardholder verification. 

Requiring cardholders to enter their PIN after holding their card to the terminal introduces friction to the payment process and, after the Corona pandemic, cardholders are reluctant to touch the PIN pad for hygiene reasons. Biometric payment cards based on Zwipe technology eliminate these issues without compromising security. Zwipe's technology does not require a centralized database: the user's biometric information is encrypted and safely stored on the card and nowhere else, protecting the user's right to privacy.

Zwipe's offering is a unique mix of products and services enabling our customers to integrate biometrics easily and seamlessly in payment and access control products with a wide range of enrolment solutions. Our focus on user experience and live-environment piloting have given us an edge in tailoring our product offering to our growing customer network. 

Yes, because the fingerprint on each finger is different.