A Polish bank has become the first in Europe to offer the use of biometrics instead of PINs at cash machines. Customers of BPS visiting one of its ATM in Warsaw have the option of using placing their fingerprints on readers, instead inputting a four digit code, to authorise withdrawals or other transactions following the …
Like in the movies!
When cigar cutters are outlawed, only outlaws will have cigar cutters.
Outlaws will use cigar cutters to chop your fingers off more like, either that or they'll just rob you at the ATM rather than skimming your card and emptying yo0ur account by proxy.
If my bank does this, I'm off
I'd rather not chance being hauled up to the cash machine (best case) or be separated from my wallet and a finger (worst case), thanks.
And with PIN input
the chance of this is negligible, yes.
Because they'd just need to take a bit of paper, not an entire person. It's a little less conspicuous that way.
Re: And with PIN input
How many robbers do you meet with pen and paper?
And even with PIN input if they haul you up to the cash machine you can deliberately it wrong three times. Not so if if you're forced to put your finger on the pad.
Safe for banks, not so much for customers.
So now thieves will leave me not only without my wallet, but also without a finger or two? Guess we should be lucky they didn't implement full palm readers or retinal scans... yet.
I don't think that severing a finger would work as the machine is looking for veins in the finger, which will be different if there is no blood.... either that or they will have to hook up an artificial heart to the finger... hmm business opportunity me things, <slogan>cheap artificial hearts for all your bank robbing needs</slogan>
And when details are stolen?
If my card details are replicated by thieves, my bank can ask me to cut it up and they issue another one.
If my biometrics are replicated by thieves my bank can... err... umm... ouch!!!
and sales of Gummi Bears rocket ?
Goodbye finger tips
Time to buy some "chastity gloves" or some such?
If it's worth a fingerprint reader...
Whatever it is, if it's worth a print reading system, it's worth chopping off someone's finger for it.
I'd prefer that the finger not be mine.
Are these the same
Fingerprint scanners that have in some cases can be fooled by something as simple as a print-out of the fingerprint(s) it's checking for? Or are these fingerprint scanners that have actaully been tested?
How reliable is this reader?
And we're right back to MythBusters episode 59. Where a moistened photocopy of a fingerprint was sufficient to beat a top-end biometric lock. Fingerprints are good and useful to ELIMINATE "false positives" like someone skimming your PIN, but I wouldn't consider them sufficient to authenticate all by themselves.
Keep the pound!
The pound of flesh they're going to take from you to get to your money, that is.
Not so sure but
the biometric reader may rely on blood flow or pressure in order to "read" the finger's vein pattern. Once the finger is severed, won't the veins collapse thereby rendering the finger useless?
Re: Not so sure but
ac wrote: "the biometric reader may rely on blood flow or pressure in order to "read" the finger's vein pattern. Once the finger is severed, won't the veins collapse thereby rendering the finger useless?"
Easily reanimated with a syringe of liquid, just apply at approximately one second intervals to simulate a pulse, that's all it will be looking for.
Maybe it's time for a severed thumb icon.
Read the article
It's the *vein* pattern below the surface of the fingerprint that is being "read"
Having said that these ATM's are in Eastern Europe.
So the firmware has *already* probably been fixed to dump the pattern *along* with the PIN.
Handy hint. Don't trust *any* ATM's in the former Eastern Block. Travellers cheques, bureu de change until *demonstrated* safe.
two fingers to them!
Easier for pensioners?
>>Jagielski said the technology would help guard against losses from scams such as ATM skimming while making it easier for pensioners to withdraw state payments<<
Q: How will this make it easier for pensioners?
A: Becuase they won't have to remember 4 digits - just the one.
If all Polish pensioners are that senile, you think they'll remember to take their card with them? Let alone recall where they bank? Or what town they live in....
And so on.
I'm sorry, Sir...
... but your biometric identity has been revoked. Please report to the central facility, for reprocessing (as Soylent Green).
to be fair...
If they're going to chop your finger off to get your money from an ATM (Max £250 a day?) then I suspect that you'd probably willingly give them your pin number first over having a finger chopped off in any case...and it's not a regular case you here on the news that.
The real problem is as mention by Peter, will people be able to pick your fingerprints up in other ways....
Read the article. It reads the vein pattern, NOT your finger print. And it dont work with dead finger either, so no good chopping someone's finger off. I say get them into the UK now.
How long before crooks figure out how to simulate your live finger by reading it and then creating a prosthetic one that reads the same in these machines ? Don't see the need for cutting fingers off, all they need to do is mount a scanner inside a door handle.
Exactly what is there to stop you currently from being hauled up to a cash machine and being forced to enter your pin by someone with a knife or a gun in your back?
It doesnt read your fingerprints at all, it reads the vein pattern in your fingertips. Completely different technology..
Gummi bears wont work.
I would run from that bank
I would certainly run from that bank.. no need to risk my fingers.
I doubt scanned or impressed fingerprints will work. Read the article again.
"The system is based on the recognition of the pattern of veins in an enrolled customer's finger, "
premise, anecdote, analysis, observation.
Same problem as with any biometric identification: Fails the simple test of ``hard to forge, easy to replace''. I have no idea how hard it is to fool scanners that look for veins, but since it's likely this was also developed for function first and security maybe later, it'll be breakable, no sweat. But fingers replaceable? Not so much.
And then there's this: I recall reading about the TNO, the Dutch tester of Stuff like TUEV is for Germany, where they had two guys testing pushbike locks. The Netherlands, bikes, etc.? Turns out that the best lock lasted thirty seconds. The worst? Well, locks you can open with a wooden match while drunk can't be very good. Which just goes to show that even in pushbike central the lock manufacturers don't manage very solid locks, and that's been their core business for decades. This here biometric stuff is a relatively new field, adding all the growing up aches pains and illnesses that implies on top.
So, I don't think this'll be necessairily better than PIN codes. If I'd had my way I'd replace my PIN with eight digits and spend a good while memorising it. But that's me, and I don't live in a country where banks let you do that. Even the mere possibility of some customers having a longer PIN would improve the security for all. What's happening here is that they're running away from a needlessly dumbed down, resticted, and therefore less secure option, choosing to replace it entirely with untested new technology over improving what can be improved by simple virtue of removing artificial security impediments.
The more I see them bumble, the more I'm convinced that bankers have no sense of reality, and moreover the piles of cash they sit on somehow don't allow them to buy it either.
@2010 21:53 GMT
"I don't think this'll be necessairily better than PIN codes. If I'd had my way I'd replace my PIN with eight digits and spend a good while memorising it. But that's me, and I don't live in a country where banks let you do that. Even the mere possibility of some customers having a longer PIN would improve the security for all." Bollocks there are only 10,000 4 digit pins in the world, so thousands of people have the same pin. But that doesn't matter. Its not a unique identifier and was never meant to be. Your finger though...........Now that IS unique to you :).
Why is the article referring to 'Europe' and 'Japan'? I know they're desperately trying but Europe isn't a country yet. It seems that in 'Europe' whenever anything happens in just one european country it's always referred to as 'Europe'. So... consistency please. If you want to say 'Europe', then don't say Japan, but 'Asia'.
Goodness. Next we'll have a European flag and our own anthem. ... no wait.
Biometrics are bad when implemented on their own. Two people can have similar fingerprints, veins, or whatever. If someone looses a finger due to natural causes, it doens't work anymore. Researchers have already defeated "fingerprint" readers with trivial means. How long until someone figures out a way to clone the pattern of veins?
Better yet, require a fingerprint *and* passcode. Something you have to know, and something you have to posses. The strengths of one offset the weakness of the other.
Get a cheesegrater now!
Optional today, compulsory if you want to bank with us, tomorrow.
Chip and skin
Most biometric ideas are bad, what about something like a digital signature pad idea that was thrown about years ago.
Even plod are a bit wary of fingerprinting as a form of unique identification, so why do the banks think it's a good idea?
It simply isn't good enough. One of our managers got a funky and horribly expensive laptop with fingerprint recognition recently. The helpdesk manager managed to successfully login using his own finger. With that sort of false positive rate I wouldn't want to trust my cash to the technology.
You talking out your behind.
The cheap ceramic style finger print technology in laptops are crap.
I have a laptop with the same technology and the sodding thing never lets me in.
False Negatives are the serious problem with them, not the other way round.
Not a first, sorry
Nationwide Building Society trialled iris-recognition ATMs in the UK about a decade ago. Or are we no longer in Europe under the new Tory hegemony?
Retinal scans stolen
The theft of a laptop containing unencrypted medical records including retinal scans will come in very useful for breaking any security system relying on that biometric which those patients may have to use. What exactly can you do once your eyes are permanently compromised?
The co-op trialled fingerprints for payment in their shops in Oxford a few years back. These trials happen every so-often and a quietly dropped when they don't deliver.
For what it's worth, major banks aren't going to go with this sort of technology any time soon (if at all). It's flakey, unreliable (PIN is five nines, no biometric gets close) it requires staying with PIN for all the systems that don't, won't or can't be changed worldwide. It's been hard enough getting America to go chip and pin (there are now a couple of places that accept it, I believe) there is no way most countries would accept biometric id.
I would suggest it's a small bank trying a gimick to get noticed (I seem to recall the article said 200ish ATMs). Nothing to see here, move along, etc...
Pineapples i say!
i think out of protest we should all erase our finger prints by bathing them in pineapple juice :D or would it still be able to accept it via the underlying veins... ?
RE: Retinal Scans Stolen
Our world will become that of Minority Report transplanting eyes to that of korean businessmen and such
Solving the wrong problem
Authenticating at the well-protected ATM is not a problem. A memorable PIN is not perfect, but it works reasonably well in this setting. Forcing biometrics authentication at the ATM is to solve a problem that doesn't exist in the first place and will only complicate the matter. A gummy-finger is an inherent threat as people will always left some (partial) fingerprint on the fingerprint reader.
If coercion by a gangster is a threat that this solution wants to address, I would be ready to give up my PIN rather than have my fingerprint chopped off...