Biometrics = Proof of Identity? consistently accurate, continuously reliable, completely compatible. This information is strictly for use by Ideco and its Associates. Reproduction and distribution is strictly prohibited. Copyright Ideco Group Ltd.

An Identity Crises?

CIPC Bank Accounts Identity Trust Scale ID Validation Marital Status Credentials Credit Accounts Employment Biometric Verification Identity Certification Qualification Vehicles Property

Bridging the Identity Gap RecognitionRecognitionResponseResponse Tentative Definitive Reactive Proactive Identity Gap Cards PINs Passwords

Building Identity Chains /11/12 10:30400 Application login: User authenticated succesfully., Internet Explorer\Connect to , ({8159E1B8-245E-4932-BB9B /11/12 10:31204Profile,Cache,v3,0mssmitd /11/12 10:31405 Declare opened, Login, /11/12 10:31401 Account add, Login, /11/12 10:31203Profile,Save,16mssmitd /11/12 10:31203Profile,Save,v4smitd /11/12 10:31400 Application login: User authenticated succesfully., \Login, ({3ED482E /11/12 10:31400 Application login: User authenticated succesfully., \Login, ({3ED482E C3A-AC }) Who? When? Where? What?

Agenda Biometric 101 Next generation applications DHA & National Identity Solutions Key success factors An integrated approach Chain of evidence

The Practice of Biometrics Fingerprint Retina Iris Facial Vein Voice Hand geometry Body odour Tongue

International dependence on fingerprint for forensics ICAO – 3 approved technologies (Fingerprint, Face & Iris) SA Law only accepts Fingerprint, Face & Signature 10 fingers per person means high enrolment probability compared to other techniques Biometric Technology Options

Technology Life Cycle

Technology Adoption

The practice of Biometrics

Unique features in a fingerprint pattern area True minutia points Ridge ends Ridge splits Average 80 minutia per finger

True minutia points?

Injury Foreign object Moisture Dirt Working with Fingerprints Treated

Filtering process Extracting True Minutia Binarisation and skeletonisation

Minutiae Comparison and Fusion Enrolment templateTransaction template

False minutia or missing minutia Distorsion Scale adaptation / rotation Different overlapping Minutia Comparison and Fusion Matching threshold configurable

F1 m F2 f F3 c Real World Scenarios

Identification vs Verification

Automated Fingerprint Identification System Real-time classification, segmentation, feature extraction and quality assurance Comparison against some or all references in the enrolment database, producing a comparison score for each transaction Ensure one unique identity profile per customer Back ground de-duplication process Assist in the reduction of fraud and risk Be able to positively identify a person Valid digital signature Full audit of identity trail Interoperability between other entities Integrity in database

Evolution of Identity Control Changes in the Market Place

DHA SmartID & OFV Changes in the Market Place

Online Fingerprint Verification Live Demo

Advancement in Biometric Applications Multi-functional Terminals Asset & infrastructure PCs & IT

Advancement in Biometric Equipment

GreenBox Multifunction input device Enables paperless transaction Document process automation Integrated FICA/RICA station Fast system integration Small desktop footprint No storage of paper records USB Powered

MobiCheck Fully configurable Multiple input fields / devices Online ID checks against NCCI Verification or identification Records on secure cloud servers Business rule driven Identity based transactions Secure online access to records

World Leading Biometric Solutions Compliancy (FBI, NIST) Interoperability AccuracySecurity with True Fake Finger Detection – FFD CapacityMatching Speed Failure to enrolErgonomic Design Integration & Multiple application Local support A world class Biometric Solution

An Integrated Approach Direct integration to business systems Aligned with current business processes AFIS functionality scalable to business requirements All development tools and integration support Windows, Linux and Android support Fully compliant to industry standards Best in class at affordable pricing Full maintenance and support program        

A viable business case

Critical Success Factors FTE, FAR, Speed, db Size Image and / or Template Protecting customer identities Comply to International standards Compatible to civil systems Expert use in court of law Clear growth path       

Some risks to consider

Risk of false acceptance ± 20% false minutia added

Risk of non-compliance Image Capturing Image Filtering Minutiae Extraction Template Store Biometric Server FIPS201 & ISO/IEC Image Store WSQ Gray-scale image compression ISO/IEC ANSI 378 & ISO FBI IQS App. F&G PIV (HSPD-12) ISO Part1 ISO ANSI Morpho ISO/IEC for On-card biometric comparison”

Risk of chromatic aberration

Risk of inferior algorithms Failure to Enrol (FTE) <0.1% False Acceptance Rate (FAR) to Breach of security False Rejection Rate (FRR) Denial of access Comfort and Security –Low FRR = Comfort –Low FAR = Security –Morpho Default EER  FAR = 0.01% & FRR = 1%

Risk of inferior optics

Extent of biometrics within SA More than terminals in South Africa, 2.5 million employees primarily through a network of Certified Partners SABS SC71Q – adoption of ISO/IEC standards Market leader with certified repair centre Major projects: Pensions & social grants (> 7 million records) SAPS (PCEM Forensics & Criminal booking stations) AFISwitch – (> 7 million records - exclusive 15 year license) IJS – 5000 PC’s Secure Login DoI (All Illegal Immigrants) DrLic (> 9 million records) HANIS (>32 million records ) Certified repair centre NCCI (Integrated Identity Management)

@ your service Thank you

Benchmarking Key Success Criteria

Benchmarking

Benchmarking

Enrolment Verification Possible Architecture User Interface Layer Transaction Authorisation Central Identity Repository External Identity Verification GSM Biometric Verification Server Biometric Template Store Biometric Identification Server (AFIS) Biometric Image Store Inter Organisation DHA HANIS Biometric Store NCCI Certified Identities Identity consolidation / de- duplication Dimensioned according to performance & DB size. Images for Interbank operability Open standards for compatibility Secured Matcher server vs Template store Proprietary protocols for improved performance Online transaction based identity verification Centralised authorisation / audit Typical take on device Image and template extraction Template loaded on transaction Embedded verification Full control over quality, accuracy and security Acquirer Mobile A/C & TA

Ideco’s Value Proposition In depth understanding of Governmental IDM systems Focussed expertise in identity management solutions National database of identities (Juristic & Natural / Criminal & Commercial) Glue to various other statutory and commercial datasets Technology platform for advancing Identity Profiling A comprehensive range of “best in class” Biometric Technologies Public sector relationship, networks and lobbying National network of certified partners / Customer support network Scanning and digitisation infrastructure and processes Ongoing investment in integration and support Marketing expertise