市場調査レポート

エッジで認証:NFC、スマートフォン、信頼できる新しい支払モデル

Authentication At the Edge: NFC, Smartphones, and a New Model for Payments Confidence

発行 Mercator Advisory Group, Inc. 商品コード 189677
出版日 ページ情報 英文 29 pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=107.50円で換算しております。
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エッジで認証:NFC、スマートフォン、信頼できる新しい支払モデル Authentication At the Edge: NFC, Smartphones, and a New Model for Payments Confidence
出版日: 2011年04月26日 ページ情報: 英文 29 pages
概要

米国では、NFC技術を搭載したスマートフォンの台数が、1年以内に数千万に達すると予想されています。高機能デバイスにより、口座保有者や金融機関、政府、企業などにとって、新しいセキュリティや不正対策が提供されるようになり、特定のアプリケーションでのPIN(暗証番号)入力や指紋の読み取りなど、消費者にとってセキュリティに不可欠な便利な機能が利用できるようになります。

当レポートでは、セキュリティのアプリケーションにおけるスマートフォンの可能性を調査分析し、NFCを使ったハードウェアベースのセキュリティ、NFCのセキュア素子を使ったカード番号ストレージ、さらにバイオメトリクス(生体認証)アプリケーションの可能性についてもまとめて、概略以下の構成でお届けいたします。

イントロダクション

オンライン認証は物理的に必要

  • 概要:IDエコシステムの概念
  • 政府の事業

アーミーナイフのように多機能な便利商品に

オンラインから「ブロック崩し」まで

  • オンラインのバックエンドが店頭に
  • ハードウェアのほうが常によい - NFC

次の段階:ハードトークン、PIN、バイオメトリクス

  • 電話:持つ
  • PIN:知る
  • バイオメトリクスを追加

バイオメトリクスについて

  • ゲーム技術が販売や支払に与える影響
  • 主流になるバイオメトリクスの拡大

バイオメトリクスで手に入れる

  • 受動型バイオメトリクス認証
  • チャレンジ・レスポンス方式
  • エッジを強固にするクラウド

バイオメトリクスの阻害因子

  • バイオメトリクス識別の保証
  • ローカルで
  • 「ハードトークン&センサー」の利用例

カード介在の再定義

結論

図表

目次

NFC, Smartphones, and a New Model for Payments Confidence

Boston, MA -- With NFC on the near-term horizon, the number of smartphones in the U.S. with this new security capability will number in the tens of millions within a year. This flood of highly capable devices will provide new security and fraud mitigation possibilities for payment accountholders, financial institutions, merchants, government, and other enterprises.

Growing in popularity with consumers, these devices offer the critical convenience features necessary for consumers to participate in security steps such as PIN entry to specific apps, fingerprint reading, etc.

Mercator Advisory Group' s new report Authentication At the Edge: NFC, Smartphones, and a New Model for Payments Confidence examines the potential of the smartphone in security applications as it evolves to include hardware-based security via NFC, NFC' s Secure Element card number storage, as well as potential biometric applications.

Findings of this report include:

  • Projections for the installed base of NFC-equipped smartphones in the North American Market by Q1/2012.
  • Context-specific, layered identity authentication provides a solid approach that does not break existing relationships among transaction participants.
  • As e-commerce merchandising and payment methodologies move into the physical point of sale environment, these clicks-at-bricks transactions will require strong payment credential authentication.
  • The availability of NFC facilities improves authentication services for m-banking, e-commerce, m-commerce, and POS payments.
  • Biometrics managed at the edge of the network by the device owner offer new layers for authentication surety without imposing the challenge of biometrics management on participants.

"Authentication is the heart of payments and online security. Smartphones with hardware-based security capability, especially via NFC and fingerprint readers, will give consumers, enterprise users, and the government unprecedented control over their payment and security interactions," stated George Peabody, Director of Mercator Advisory Group' s Emerging Technologies Advisory Service. "The payments network has done an excellent job with network-based intelligence, but it is time to put intelligence into the devices accessing those networks from the very edge. Smartphones with hardware security features bring contextually appropriate authentication power to the problem of risk-based assessments.

One of seven exhibits in this report:

image1

This report is 29 pages long, with seven exhibits and three tables.

Companies mentioned in this report include: Broadcom, Apple, Isis, AT&T, Verizon Wireless, T-Mobile, Discover, Barclaycard, Gemalto, Giesecke & Devrient, AisleBuyer, Facebook, Amazon, Google, SK Telecom, First Data, CASSIS International, TSYS, Visa, MasterCard, Discover, Microsoft, Prime Sense, Omnicom, Barbarian Group, Cheil Worldwide), and Razorfish, Publicis, ID-U Biometrics, Disney, Blue Planet Apps, Bank of America, and INSIDE Secur.

Introduction

  • Why Does Authentication Matter So Much?

Online Authentication Needs to Go Physical

  • In Brief: The Identity Ecosystem Concept
  • Government Activity

The Weaponized Consumer or Swiss Army Knives Iin the Aisles

From Online to Clicks-at-Bricks

  • Bringing the Online Back-end Into the Store
  • Hardware is Always Better - NFC

Next Steps: Hard Token, PIN, Biometrics

  • The Phone: Something You Have
  • The PIN: Something You Know
  • Now Add Biometrics

A Look at Biometrics

  • Could Gaming Technology Influence Merchandising and Payments?
  • Mainstream Biometrics Scaling Up

For Biometrics, We' ve Got the Power

  • More Layers: Passive Biometrics Authentication
  • Challenge Response
  • Edge-Hardened Clouds

Biometric Inhibitors

  • Who Vouches for the Biometric Identity?
  • Keep It Local
  • Sample Use Cases for the "Hard Token + Sensor" Model

Card Present Redefined?

Conclusion

  • It' s Not Just at the POS - Authentication for Online Banking
  • Accelerating a Three-Party Model?
  • Open Questions on Open Access to NFC
  • An Exciting, if Potentially Confusing, Time for Consumers

Table of Figures

  • Figure 1: US Smartphone Penetration Forecast
  • Figure 2: Dynamic Authentication Draws on Payment and Non-Payment Sources
  • Figure 3: The Many Roles for Smartphones in Retailing
  • Figure 4: Smartphone as Multi-factor Security Device in Dynamic Data Transition
  • Figure 5: Access to NFC Requires Standards and Clarity
  • Figure 6: Smartphone as Hard Token and Sensor
  • Figure 7: Edge and Network-based Authentication
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