4Nigeria = NID + Credit card SampleNigeria = NID + Credit cardThe credit card provider said it was rolling out a pilot scheme that will initially target 13m people. The project ties in with the Nigerian government’s plans to introduce identity cards and reduce Nigerians’ reliance on cash transactions.Ajay Banga, MasterCard’s chief executive, said recently that the governments in Nigeria and Kenya were talking about moving towards becoming “cashless” societies.
5eID Migration to Multiapp: eID, eGov, eService Morpho – Infineon Workshop on eIDeID Migration to Multiapp: eID, eGov, eServiceThree policies are established.eID eGov eServicesChinaPortugalBelgiumIndo-nesiaSwedenHong KongFinlandMalaysiaExamples
7Morpho – Infineon Workshop on eID eIDGovernment projects needs typically 3 to 5 years to start roll outs.IdeaDefinitionFrameworkSpecificationTest/StudyPhaseRoll OutAlbaniaAlgeriaAustria 1GBahrainBelgiumChinaEcuadorEstonia, 2GFinland, 2GGermany, 1GHong KongIndonesia, 1GIrelandItaly, 2GJapan, 1GMacaoMalaysia, 2GMoroccoNetherlands, 2GOmanPortugalSaudi ArabiaSerbiaSpainSwedenU.A.E, 2G…ArgentinaBoliviaBotswanaHungaryIndonesia, 2GJapan, 2GKenyaPolandRomaniaRwandaSouth KoreaSri Lanka…ArmeniaAustria 2GBrazilChileCyprusEgyptFranceIndiaKirgizstanNigeriaNorwayRSARussiaTanzaniaTurkeyVenezuela…BangladeshBosniaGermany, 2GGreeceItaly, 3GMexicoTaiwanVietnam…Current StatusNational eID/eGov(Examples)Japan, 1G (JUKI)
8SMART card - BIO SIGNATURE ? : Concept is simple * You are you *- Continue use of “match on card” in existing and new industry specifications.- “match on card” is more generally accepted recognizable in the biometric industry.- ISO/IEC :2010 — Biometric performance testing and reporting: Testing of on-card biometric comparison algorithms- ISO/IEC :2010 used on-card comparison and will use on-card biometric comparison- NIST SP uses On-card comparison Fingerprint on-card comparison On-card biometric comparison- Revisions to the PIV Biometrics Specifications FIPS 201 Updates at Sep 2012On Card Biometric Comparison (OCC) authentication: The cardholder’s fingerprint biometric representation is captured by the reader and transferred to the card, where it is matched against the cardholder’s stored biometrics.
9Logical acces to computer SampleLogical acces to computer
10MasterCard is partnering with the UN wfp - World Food Programme - WFP And MasterCard Launch Partnership For "Digital Food"
12SampleFranceMoney at Your Fingertips: Supermarket Tests Biometric Payments By Scanning Fingerprints Instead of Credit Cards
13End of chip and Pin? Shoppers test payment by fingerprint SampleEnd of chip and Pin? Shoppers test payment by fingerprint
14Kenya 2013 – fingerprint atm SampleKenya 2013 – fingerprint atmBanks go for fingerprint identification to curb ATM fraudThe Kenya Bankers Association in turn launched a cost-shared Sh2.5 billion plan to migrate all banks to secure ATMs and plastic cards by September 30.Nearly 11 million cards will be affected by the move, but some banks having already issued the new cards.
21Smart cards with an integrated fingerprint sensor 1. Fingerprint / IrisPKI ( OTP )Matching On CardEmbedded Fingerprint Sensing Device for ID CardsThe finger sensing device may be embedded into standard laminated identification (ID) cards. A finger sensing device that can image the user's finger through standard laminations used in smartcard and RF-ID card fabrication may now be economically built into those cards, using standard low cost card assembly processes.By Patently Apple 2013NFCRFID
24Internet Bank? - U.S. Senate hearing SampleInternet Bank? - U.S. Senate hearing
25Hash ? Address ? Bitcoin payment Addresses 27-34 alphanumeric charactersBitcoin functions using public-key cryptography, in which a pair of cryptographic keys, one public and one private, are generated. In the case of Bitcoin, the public key functions as an address to which payments can be sent, and the private key acts as a safeguard; it must be presented when making a payment from an address. Because anyone with a private key can spend all of the bitcoins associated with its corresponding public key, securing and protecting is important to prevent theft, which has occurred on numerous occasions. The practical day-to-day security of Bitcoin wallets remains an on-going concern.
26Digital bank ?The financial services industry is becoming what I call the BIT industry (banking, information and technology), where information, through technology, is transformed into knowledge. In this new world, banks should transform into “digital” banks, or rather into new forms of information services company.A new financial ecosystem is being created. In two decades, we will go from 20,000 “analogue” banks today worldwide to no more than several dozen “digital” banks.
27APP COMMERCE - Internet commerce ? SampleAPP COMMERCE - Internet commerce ?E - WalletUSIMCard AccountBank AccountBank AccountBank AccountBank Account
28Mutual Recognition ?National IDPKI+DataDriverLicenseMedicale-VotingPensionPassportICAOTaxPhysicalAccessPCLogonSmart PhonePublic-key infrastructure (PKI) is a system for the creation, storage, and distribution of digital certificates for encryption, authentication and digital signature etc. (ITU standard)e.g.: maximum supports 9 PKI keys (physically separated 9 different block for each )3. e.g.: it’s compatible with the commercial Smartcard Framework (WSF) and supports applications such as Domain logon, VPN, , secure Web access, and wireless LAN authentication.
29PKI – Bio digital signature solve ? Each e-ID + Credit card like Nigeria caseBit Coin + Internet Bank for Smart WalletSmart Phone App commerceSmart card + Smart Phone + Smart TVSmart Car + Smart Phone like Infotainment issue at CES 2014Smart Phone with Smart ApplianceAutomatic Container Tracking for Import/Export by WCO, US TWIC etc.Smart Card for TAXI / Rent car SafetySmart Home Commerce like Internet Commerce etc.
30Next PKI for bio digital signature ? Global Root CA for National eID?UN Root CA ?Smart Phone / Smart Card / Smart Car ?ITU : PKI + Biometrics + Cloud etc.ITU + ISO Standard body ?
31Q&A “ Take chain of Mountain view ” Unho Choi Ph.D., CGEIT, CRISC, ISO 27001, CISSP, PMP