Fujitsu has collaborated with Japanese card scheme JCB to construct a cardless payment system, incorporating Fujitsu’s palm vein authentication technology into JCB’s global network.
Truly cardless
The system would read and verify palm vein information and then link it with the payment information. Fujitsu says this will create a truly cardless payment experience as the user can be empty-handed, enabling purchases without payment card or smart device.
Successful field trial
In July, JCB confirmed the system’s effectiveness in a field trial involving several hundred JCB employees who used the system to pay for food and beverages at the employee cafeteria in JCB’s headquarters.
Fujitsu will work with JCB to conduct additional field trials in other countries and regions, and will further refine the system with the aim of developing a practical payment scheme that meets the needs of JCB’s customers and merchants.
More secure than fingerprints?
Fujitsu says yes. The company says this technology uses the veins in a person’s palm, which are more difficult to falsify than fingerprints or other characteristics on the surface of the human body. The company has shipped a cumulative total of 470 thousand palm vein authentication devices, which have been used by over 63 million people in approximately 60 countries around the world.
Fujitsu encrypts the palm vein data and related payment card information of JCB’s customers and registers them to palm vein data servers. These are housed in Fujitsu’s datacenters in Japan. In addition, security is also achieved by using a closed network environment for the network that connects JCB merchants with the palm vein authentication servers.
In authentication tests conducted within the Fujitsu Group, palm vein authentication was extremely accurate, with a false acceptance rate of less than 0.00008 per cent and a false rejection rate of only 0.01 per cent, resulting in highly reliable security.
Anyone can be registered
Fujitsu says that because the technology scans the veins, it has minimal susceptibility to external factors such as hand size, shape or dryness.
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