Fingerprint: Definition and Functions in the Financial Industry

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The fingerprint security feature can now be wetly discovered across many digital devices. This feature is so convenient in protecting these devices from unauthorized users.

Not only is the fingerprint security feature be used in devices from laptops to smartphones, but it also is highly used by financial institutions to increase their system security.

How can this technology improve the existing security parameters?

Definition and History

Fingerprint is a biometric technology that works by recording a person’s fingerprint pattern for identification.

Basically, the fingerprint or fingerprint matches the recorded fingerprint data with the original fingerprint when used on the sensor.

Fingerprint is not a technology that appears out of the blue. This technology has long been used as a layer of defense in restricted access, including in information sources. Fingerprints were originally used specifically in the activities of the Federal Bureau of Investigation (FBI) in 1969.

In the mid-1970s, fingerprint technology began to be used by many companies for attendance purposes. This application is carried out by replacing the method of recording attendance manually or attaching employee cards to the attendance machine.

Until now, fingerprint technology is commonly used in everyday life. Even the smartphones that we use today are equipped with fingerprint technology to increase security.

Not only that, fingerprints are also used to access entrances and various other electronic devices to maintain the security of these devices.

Read also: Face Recognition: Functions and How it Works

Functions and How it Works

In general, fingerprints are used to improve security and authentication. Fingerprint is present as an alternative method of security besides a password or Personal Identification Number (PIN).

So, how do fingerprints work? You need to understand that everyone has a unique and different fingerprint pattern that is influenced by genetic and environmental factors, such as protein codes in genes, blood pressure, oxygen levels, and nutrition.

No one has the same fingerprint pattern, not even within the same family.

There are three main patterns in fingerprints, such as ridge ending, bifurcation, and short-ridge. The fingerprint sensor on the application or machine will record every stroke or pattern of the fingerprint.

The first scan process takes quite a long time. The reason is that the human fingerprint pattern is complex enough to require high precision and accuracy.

The fingerprint sensor then stores the results of the scan in a database or data object. Later, this fingerprint data is used in the identification and authentication process if a user tries to access the application or machine using the fingerprint sensor.

If a stranger tries to access the data, the fingerprint sensor will refuse to grant access because the fingerprint data is not in the database.

It’s different if the fingerprint has been registered, the fingerprint sensor will open access to the application or machine for the user concerned.

Read also: How Face Recognition Technology is Used in Different Industries

Common Types

Fingerprint sensors that are commonly used are divided into three types, namely optical sensors, capacitive sensors, and ultrasonic. Each type has a different way of working in scanning and detecting fingerprints. Here is an explanation.

1. Optical Sensors

Optical sensors use light in their work process. This sensor detects differences in light intensity on dark and light finger surfaces. Simply put, the optical sensor works like a fingerprint taster.

The resolution quality of the optical sensor used will affect the accuracy of the details of the fingerprints that can be recorded.

The weakness of optical sensors is that they only record two-dimensional images, so they have a lower level of security. Optical fingerprint sensors are generally used in attendance machines.

2. Capacitive Sensors

Capacitive sensors use small capacitors that are capable of capturing stroke patterns on fingerprints. Each stroke on the fingerprint causes a change in the charge on the capacitor.

The integrator circuit then records the change in power and stores it in data.

Compared to optical sensors, capacitive sensors have a higher level of security because they are able to read the depth of the fingerprint strokes.

This means that capacitive sensors can record fingerprints in three dimensions, unlike optical sensors which are only capable of recording fingerprints in two dimensions.

3. Ultrasonic Sensors

As the final sensor on this list, ultrasonic sensors work in a similar way to capacitive sensors. This sensor uses ultrasonic signal waves which consist of a transmitter and a receiver.

The transmitter reflects the ultrasonic signal to the fingerprint and reads every stroke pattern on the fingerprint. The ultrasonic signal that successfully reads the stroke pattern will be sent to the receiver, which is tasked with recording every stress on the signal.

Read also: Business Process Automation: Definition and Examples

Uses in the Financial Industry

Currently, almost all financial institutions, both banking and non-banking, have released mobile applications to provide easy access to finance for their customers.

The application is equipped with a fingerprint sensor to increase its security, in addition to other security options such as a password or PIN.

During the registration process in the banking application, users must first scan their fingerprints so that their fingerprints are recorded in the database. Later, users can access the application simply by placing their fingerprints on the fingerprint sensor.

Read also: What is OCR? Check also how it works in health services

However, the use of a fingerprint alone is not enough in the customer registration process in the financial application you want to use.

You also need live face verification to validate the identity of customers who want to use the applications and services offered.

As the solution, you can rely on the eendigo Liveness Check service that can be integrated with your finance apps.

This service also has a Face Compare feature that can compare the face of a prospective customer who is doing verification with an existing face database so that identity authenticity is maintained with high precision.

Increase the security during the validation process of prospective customers only by using eendigo User Validation. This product is equipped with an Anti Counterfeit feature so that the system can distinguish real faces, masks, photos, or any form of manipulation during the verification process. Contact us for more information about cutting-edge IT products from eendigo!