Yes, Zwipe is developing a mobile phone app for enrollment. The app uses the phone’s in-built NFC interface to contactlessly power up and communicate with the card.

Zwipe is a pioneer in the field of biometric payments, access control and ID, focusing on cards and wearables. Our customers choose Zwipe because of a combination of technology and performance leadership and an end-to-end, one-stop shop offering. We are dedicated to adding value to our customers thanks to our full focus on biometric authentication for payment and access control and ID. As a result of this, the company has built a strong network of customers and partners across the payment and access control & ID ecosystems. 

Our flagship payment platform features a single silicon secure element which integrates into one chip the many components that were needed on previous generation biometric payment cards. This radically reduces technology and manufacturing costs, while also improving performance and reliability. 

False Accept Rate (FAR) / and False Reject Rate (FRR) exceed payment scheme specifications (VISA and Mastercard). The FRR is comfortably below 3% for 0.01% FAR (1:10,000). The algorithm also provides presentation attack detection (“anti-spoofing”), per latest payment scheme requirements.

Zwipe Access doesn’t store the full user's fingerprint but only an abstract representation of the characteristic features extracted from the captured fingerprint images. This is called a biometric template. 

The registration of the cardholder’s fingerprint(s) is called enrollment. 

During the enrollment, the fingerprint sensor passes the captured fingerprint images to the biometric secure element (SE) using a secure channel. The biometric secure element then extracts and securely stores the biometric reference data. After this process is completed, all the captured images are deleted and only the extracted biometric reference template is stored in the Zwipe Access card secure memory. 

Likewise, during later verifications, a freshly captured image is passed in over a secure channel from the fingerprint sensor to the secure element. The secure element then extracts another fingerprint template (called the probe template) and compares it with the reference template. An accredited 3rd party laboratory has reviewed this architecture and performed tests per EMVCo, Visa, and Mastercard requirements.

A biometric payment card follows the same standards for resilience and robustness as a standard dual-interface (non-biometric) payment card, meaning that it has a product lifetime of 3 to 5 years. 

Zwipe is positioned as a system integrator and an enabler of contactless biometric authentication without the use of batteries. We buy components from various suppliers to build, offer and sell our modular Zwipe Pay platform to smart card manufacturers who laminate the cards and embed the biometric contact plate module and sensor in the card. Then the cards are personalized and sold on to banks as part of a total fulfillment delivery with the requested solution for enrollment.