1. Introduction to Biometrics Dr. Bhavani Thuraisingham The University of Texas at Dallas Lecture #18 Biometrics Applications - III October 26, 2005

2. Outline l Overview l Customer Facing Applications l Biometrics Vertical Markets

3. References l Course Text Book, Chapter 13, 14

4. Groups of Applications l Citizen Facing Applications - E.g., Criminal identification l Employee Facing Applications - PC/Network access, Physical access l Customer-facing applications - POS Transactions

5. Customer Facing Applications l Provider of goods/services provides authentication of consumers and enforces compliance with the match decisions of the biometrics system l Usually open systems based on verification l Two aspects - E-Commerce/Telephony - Retail/ATM/POS

6. E-Commerce/Telephony l Use of biometrics technologies to - Verify the identity of individuals conducting remote transactions l Biometrics complements passwords and traditional, authentication systems l Both e-commerce and telephony have many properties in common - Usually transaction based - Lack high degree of trust - Trusted third party authentication

7. Current Status l Only a few institutions enforce biometrics-abed verification l Usually finger scanning or voice scanning l B2B Transactions are expected to use more biometrics l In general merchants will use equipments already in place and will not deploy them

8. Future Trends l Individual and Institutional need for increased trust in remote transactions l Emergence of Transactional Revenue Model l Increased presence of acquisition devices l Entry of trusted parties into the biometric markets

9. Related Technologies l Finger scan will be used most often, especially when it is used for desktop applications l Iris scan, facial scan also have a role l Telephony applications will utilize mainly voice scan l Financial and healthcare are the main applications

10. Biometrics Solution Matrix l How urgent is the authentication problem that biometrics are solving l What is the scope of the authentication problem that biometrics are solving l How well can biometrics solve the authentication problem? l Are biometrics the only possible authentication solution? l How receptive are users to biometrics as an authentication solution

11. Factors considered in the Matrix l Exclusivity - Biometrics is not the only solution for e- commerce/telephony l Effectiveness - Finger scan for e-commerce and voice scan for telephony l Receptiveness - Both parties in a transaction are motivated l Urgency - Moderate urgency l Scope - Very broad, millions of potential customers

12. Cost and Deployment Issues l Cost is not well established for E-commerce - How much of the costs should go to the vendor? How for the different parties share profits? l Costs for telephony are more established - Institutions may provide biometrics solutions costing several thousand dollars l Issues in Deployment - Almost all users enrolled remotely - Unsupervised enrollment and therefore fraud possible - Liability for fraudulent access must be addressed - Need fallback procedures of access is denied - Compatibility with new devices, integration - Security levels

13. Retail/ATM/Point of Sale l Use of biometrics technologies to - Identify or Verify the identity of individuals conducting in- person transactions l Biometrics complements photo identification l Have some properties in common with e-commerce/telephony l However, Retail/ATM/POS applications usually supervised the enrollment process

14. Current Status l Main technology at present is PINs (e.g., ATMs) l Biometrics Used for a few applications at this time l Finger scan and face scan are expected to be used l Used in conjunction with traditional systems

15. Future Trends l Fraud detection will be the main motivation for using Bio9omegrcis technologies l Cost of deployment could inhibit growth - E.g., fort e-commerce and telephony the hardware is usually in place such as telephones; for ATM new hardware has to be installed l Motivation for use is to reach a large number of users

16. Related Technologies l Face scan, Finger scan, Iris scan will be used l Finger scan will be used most often l Balance between expense and accuracy

17. Factors considered in the Matrix l Exclusivity - Biometrics is not the only solution for e- commerce/telephony l Effectiveness - Issues in integrating technology into current systems l Receptiveness - Fraud detection will be motivation for merchant l Urgency - Moderate urgency; maximum that can be stolen via ATM is about $300 l Scope - Very broad, millions of potential customers

18. Cost and Deployment Issues l Firm benchmarks are yet to be established - How much of the costs should go to the vendor? How do the different parties share profits? l Issues in Deployment - Process flow - Integrating systems - Motivation for customers and merchants

19. Vertical Biometrics Markets l Law enforcement l Government l Financial l Healthcare l Travel and Immigration l Other - Education, Entertainment, etc.

20. Law Enforcement l AFIS l Surveillance l Mug Shots l Corrections l Home Arrest

21. Government l National ID l Vote registration l Driver license l Benefits distribution l Employee authentication

22. Financial l Account access l ATM l Online banking l Telephone transactions

23. Healthcare l Access to personal information l Patient identification l Disease information access

24. Travel and Immigration l Ai5r Travel l Passports l Border crossing l Mass Transportation