本報告已在2011年07月19日停止出版。
生物測定被作為最終極的高科技安全性系統。但隨著技術的進步，如今已不是早期科幻中的事，已成為現實生活中不可避免的趨勢。
專精於調查消費者結算業界中的應用技術的Mercator Advisory Group, Inc(總公司：美國馬薩諸塞州)出版了一本報告："Biometrics/Identity Verification Technologies: Ready for Prime Time?"，調查生物測定和身分確認的技術。
該報告中，分析現今作為安全性系統的一般性生物測定的類型，調查何種應用系統對消費者結算系統業界來說最適合。 同時，也著手討論有關現今已公開的消費者結算用應用系統的生物測定技術，以及檢討決策者應該投資生物測定系統時的必要因素。 以易懂的英語書寫，由37頁的解說文和13個添付資料組成的該報告，其概略如下。
1. 序論
2. 為何是生物測定呢
- 安全性的強化
- 便利性的提高
- 違法行為的發現和阻止
- 對著作權和市場的應用
3. 生物測定系統的概要
- 身分確認還是本人證明
- 理論的連結還是身體的連結
- 生物測定上的數值指標
4. 科技
5. 在消費者結算系統業界的生物測定商務應用系統
- 減少偏差
- 支票現金化
- 支付方法的選擇 - 現金、手指指紋
- 指紋認證的先端技術 - 生物測定的新風氣
6. 結論 - 真偽的確認
添付資料一覽
Biometrics is to many seen as the ultimate in high tech security, enabling
access to systems through the blink of an eye or the touch of a finger.
However, the technology is becoming less science fiction by the day as the price
of hardware drops and devices become increasingly commonplace. In their
latest report, 'Biometrics and Identity Verification, Ready for Prime Time?',
Mercator Advisory Group investigates the potential of biometrics in the consumer
payments industry.
Nick Holland, Director Emerging Technologies Research and co-author of
the report determines that the one to one marketing potential of biometrics as
seen in 'Minority Report' will not be hitting the high streets anytime soon:
"Biometrics are a highly valuable tool in assisting with the
verification of an individual's identity, but will not be used for consumer
payments in their own right for some time. We'll see them more
frequently as a second or third factor of authentication, used in
conjunction with something we have, such as a credit card and/or something
we know, such as a password or PIN, but not by themselves..."
The 37 page report analyzes each of the common biometric types in use in
today's security systems and assesses which applications are most applicable to
the consumer payments industry based on their individual strengths and
weaknesses. The report also highlights current rollouts of biometric
technology for consumer payment applications and considers the factors that
those planning to invest in biometric systems really need to consider.
"It's not just about purchasing the hardware and plugging it in, it's
about considering the environment it will be used in and for how long --
biometrics rely on good, clean, accurate readings and a typical POS terminal
will be in use for five years or more. The biometric hardware needs to
keep up with the same level of abuse and must consistently deliver time after
time. If not, users will simply revert to tried and tested payment
vehicles such as card, check and cash..." says Holland.
Table of Contents
- 1. Introduction
- 2. Why Biometrics?
- 2.1. Increased security
- 2.2. Increased convenience
- 2.3. Fraud detection & deterrence
- 2.4. Loyalty and Marketing Applications
- 3. Biometric Systems ? An Overview
- 3.1. Identifying or Verifying?
- 3.1.1. Biometric Verification Systems
- 3.1.2. Biometric Identification Systems
- 3.1.3. When are verification and identification appropriate?
- 3.2. Logical or Physical Access?
- 3.2.1. Physical Access Systems
- 3.2.2. Logical Access Systems
- 3.3. Metrics in Biometrics
- 3.3.1. False Match Rate (FMR)
- 3.3.2. False Non Match Rates (FNMR)
- 4. The Technology
- 4.1. Commonly Used Biometrics
- 4.1.1. Fingerprinting
- 4.1.2. Hand Geometry
- 4.1.3. Iris Scanning
- 4.1.4. Facial Scanning
- 4.1.5. Signature Recognition
- 4.1.6. Voice Verification
- 4.2. Summary of Biometric Technologies
- 5. Commercial Applications of Biometrics in the Consumer Payments Industry
- 5.1. Diminishing the odds
- 5.2. Check Cashing
- 5.3. Cash, Card or Finger?
- 5.4. Beyond Fingerprints ? Biometric Exotica
- 6. Conclusion - Reality Check
List of Exhibits:
- Exhibit 1: A Generic Biometrics Model
- Exhibit 2: Correlation between False Match Rates and False Non-Match Rates
- Exhibit 3: Fingerprint Minutiae in Detail
- Exhibit 4: Relative Strengths and Weaknesses of Fingerprint Scanning
Technologies
- Exhibit 5: Comparison of Strengths and Weaknesses of Major Biometric
Technologies
- Exhibit 6: Comparative Size of Average Biometric Templates
- Exhibit 7: Market Share by Technology, 2003 ($ Millions)
- Exhibit 8: Predicted Biometrics Revenues, 2002-2007
- Exhibit 9: Reducing the Odds ? One, Two, Three and Four Factor
Authentication
- Exhibit 10: Hypercom POS Terminal with attached biometric fingerprint
scanner
- Exhibit 11: Pay By Touch Terminal & BioPay bCheck fingerprint scanner
- Exhibit 12: Ultra-Scan Fingerprint Scanner
- Exhibit 13: 'Bud' and 'Stella' Concept ATMs.
