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Biometric Identity Platform
A secure and integrated biometric identity platform that allows users to execute any transaction or identification through omnichannel authentication.
We enroll your user's biometric palm vein template with absolute privacy and allow them to execute any authentication by scanning their hand or using their paired mobile device. This is the most secure, efficient, and private form of biometric authentication, therefore eliminating fraud vectors and streamlining identification processes on a national scale.
We enroll your user's biometric palm vein template with absolute privacy and allow them to execute any authentication by scanning their hand or using their paired mobile device. This is the most secure, efficient, and private form of biometric authentication, therefore eliminating fraud vectors and streamlining identification processes on a national scale.
Integrates into existing identification infrastructures.
Adheres to all regulatory requirements, including PSD2 and GDPR.
Integrates with our secure payment and wallet services.
How IDCentriq Works
Mobile Onboarding
Mobile-first onboarding uses iBeta level 2 biometric verification with full-liveness detection to verify users within 1-2 minutes. Onboarding supports 14,000 identity documents across 251 countries and territories. Once complete, authenticated users are able to complete palm vein enrollment at their nearest terminal.
Enrollment
Two infrared palm-vein captures are immediately encrypted into an enrollment biometric template. The raw images are inaccessible by design, and the template is an encrypted mathematical array that can only be understood by the IDCentriq platform. Privacy is a pillar of ours; we avoid storing sensitive data, and if we have to, individuals remain in full control of how it’s used.
Scan & Authenticate
When prompted, a user's palm will be scanned and the infrared image will be converted into an identification biometric template. This is authenticated via the enrollment template stored in the IDCentriq Identity Platform. Authentication takes less than a second and has a false acceptance rate of less than 1 in 100 million.
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Mobile Onboarding
Mobile-first onboarding uses iBeta level 2 biometric verification with full-liveness detection to verify users within 1-2 minutes. Onboarding supports 14,000 identity documents across 251 countries and territories. Once complete, authenticated users are able to complete palm vein enrollment at their nearest terminal.
Enrollment
Two infrared palm-vein captures are immediately encrypted into an enrollment biometric template. The raw images are inaccessible by design, and the template is an encrypted mathematical array that can only be understood by the IDCentriq platform. Privacy is a pillar of ours; we avoid storing sensitive data, and if we have to, individuals remain in full control of how it’s used.
Scan & Authenticate
When prompted, a user's palm will be scanned and the infrared image will be converted into an identification biometric template. This is authenticated via the enrollment template stored in the IDCentriq Identity Platform. Authentication takes less than a second and has a false acceptance rate of less than 1 in 100 million.
Use Cases
National ID Programs
Integrate the most secure, efficient, and private form of biometric authentication into your national identity infrastructure. Enhance the entire identification process at scale.
Corporate ID Programs
Enhance your entire corporate identification program with palm vein biometrics and omnichannel authentication. Streamline HR processes and increase security protocols with one integrated system.
Access Control & Attendance
Integrate the most secure and efficient form of access control by using our biometric identity platform. Eliminate the risk of unauthorized personnel accessing sensitive areas. All metadata can be aggregated for accurate time attendance figures and more.
Biometric Identity Platform Features
01
Omnichannel Authentication
Delivers mutual multifactor authentication and omnichannel digital transaction signing.
02
Seamless User Integration
Integrate your existing identity provider to bind user identities. Equipping you with the most comprehensive Biometric Identity Platform, and protecting you against compromised credentials, tampered devices, and more.
03
Mobile Threat Defence
Features full mobile threat detection to protect the device at root and counter any malware or tampering.
04
Encrypted Communication
Features an encrypted communication channel to ensure that data flows back and forth safely between the business and the customer.
Why Use Our Biometric Identity Platform
Integrates seamlessly into existing identification systems
Integrate into existing identity infrastructure at scale. Our platform requires little to no maintenance and reduces the need for timely and costly remote updates. Easily integrate our entire suite of connected services through cross-platform pollination.
Shuts down every major vector of fraud
Bring fraud to zero with the most secure form of biometric identification and omnichannel authentication. In-person authentication is as easy as a swipe of the hand, while remote authentication is securely provided through our app or SDK.
Makes your customer’s journey a breeze
Gone are the days of worrying about your ID. Customers can be onboarded and enrolled with ease. Identification takes less than a second and only requires the swipe of a hand. Completely streamline entire identification processes on a massive scale.
Eliminates the need for physical identification
IDCentriq enables identification and authentication via palm vein biometrics, meaning that users will never have to carry around physical identification ever again.
Biometric Payments Scheme
Biometric-based payment infrastructure from PaymentsCo, an IDCentriq subsidiary. All infrastructure can be easily integrated into new or existing payment schemes, future-proofing them for the modern age.
Secure and fraud-proof payments are as easy as a swipe of the hand. Removes the need for physical cards while facilitating cross-border and identity-based national payments.
Secure and fraud-proof payments are as easy as a swipe of the hand. Removes the need for physical cards while facilitating cross-border and identity-based national payments.
Supports OpenBanking APIs & Crypto.
Upgrades existing payment schemes.
Adheres to all regulatory requirements, including PSD2 & GDPR.
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How it Works
KYC Onboarding
Issuers onboard existing customers’ KYC to facilitate secure palm vein enrollment. Verification includes iBeta level 2 facial biometrics and passive liveness detection.
Enrollment
Two infrared palm-vein captures are immediately converted into a mathematical array, then encrypted into an enrollment biometric template. The raw images are inaccessible by design, and the template can only be understood by the IDCentriq platform.
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Issuer Generates Tokens
Issuers are given an IIN (Issuer Identification Number) to generate tokens for customers’ accounts. All accounts are linked to the scheme via an account linking API.
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Integrated Infrastructure
Acquirers add the upgraded payment scheme to their payment infrastructure. Palm vein-enabled devices are deployed at merchants.
Automated Net Settlement
Customers pay with a swipe of their hand. The net settlement between issuers and acquirers is settled daily, or in real-time.
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KYC Onboarding
Issuers onboard existing customers’ KYC to facilitate secure palm vein enrollment. Verification includes iBeta level 2 facial biometrics and passive liveness detection.
Enrollment
Two infrared palm-vein captures are immediately converted into a mathematical array, then encrypted into an enrollment biometric template. The raw images are inaccessible by design, and the template can only be understood by the IDCentriq platform.
Issuer Generates Tokens
Issuers are given an IIN (Issuer Identification Number) to generate tokens for customers’ accounts. All accounts are linked to the scheme via an account linking API.
Integrated Infrastructure
Acquirers add the upgraded payment scheme to their payment infrastructure. Palm vein-enabled devices are deployed at merchants.
Automated Net Settlement
Customers pay with a swipe of their hand. The net settlement between issuers and acquirers is settled daily, or in real-time.
Use Cases
Cross-Border Payments
Enable secure cross-border payments with the swipe of a hand. Interconnected biometric-based payment schemes can provide cross-border payments with net settlement between local PaymentsCo operating companies.
Payment Scheme Upgrades
Upgrade your payment infrastructure to enable identity-based payments with palm-vein biometrics. Powered by PaymentsCo, our proprietary technology allows you to streamline and secure entire payment schemes on a massive scale.
National Payment Schemes
Collaborate with issuers and acquirers to deploy an identity-based national payment scheme. Ability to interconnect with other national payment schemes to provide a global payment scheme.
Biometric Payment Scheme Features
01
Omnichannel Authentication
Delivers mutual multifactor authentication and omnichannel digital transaction signing with every payment.
02
Central Bank Licensing
PaymentsCo incorporates a subsidiary in each country. Licensed by the central bank, this subsidiary partners with issuers and acquirers to deliver payment infrastructure and processing.
03
Front-End SDK & PayPalm App
All payment schemes can be processed through our SDK or user-friendly PayPalm app. Both include mobile threat detection and encrypted communication.
04
Global Integration
Ability to interoperate with other PaymentsCo adopters with zero cross-border biometric leakage.
Why Use Our Biometric Payment Scheme
Upgrades payment schemes with identity-based payments
PaymentsCo allows central banks and governments to upgrade their payment schemes to enable identity-based payments through palm vein biometrics, the strongest private biometric in existence. Our payment schemes support ISO messaging, OpenBanking APIs and real-time settlements.
Eliminates all major vectors of fraud
Fraud within the payments category is twice as high as the global mean. Our biometric payments scheme uses a proprietary algorithm to authenticate customers via our fraud-proof palm vein technology.
Eliminates the need for physical cards and PINs
Our proprietary technology enables payment via palm vein biometrics, ensuring that users will never have to carry around physical cards again.
Reduces the cost of operating payment schemes
In 2023, UAE businesses lost an average of AED 11 Million each to fraud. Reduce the cost of operating payment schemes by minimizing the costs associated with chargebacks and other vectors of fraud.
Closed-Loop Wallet
A white-labeled biometric-based wallet powered by PaymentsCo. The wallet is on a closed loop for your business and provides secure payments for your customers with the swipe of a hand. Seamless user identification and authorization processes are also logged.
Includes a comprehensive SDK with mobile threat defence and more.
Reduces processing and transaction fees.
Adheres to all regulatory requirements, including PSD2 and GDPR.
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How it Works
Digital Onboarding
Mobile-first onboarding uses iBeta level 2 biometric verification with full-liveness detection to authenticate users within 1-2 minutes. Onboarding supports 14,000 identity documents across 251 countries and territories. Once complete, authenticated users can complete palm vein enrollment at their nearest terminal.
Enrollment
Two infrared palm-vein captures are immediately encrypted into an enrollment biometric template. The raw images are inaccessible by design, and the template is a proprietary equation that can only be understood by the IDCentriq platform.
Wallet Top-Up
Customers can top up their wallet balance via account transfer or by depositing cash at an authorized agent.
Biometric Payments
Customers can pay with a swipe of their hand. Automated settlement between the operating account and the collateral account can be done daily or in real-time.
Digital Onboarding
Mobile-first onboarding uses iBeta level 2 biometric verification with full-liveness detection to authenticate users within 1-2 minutes. Onboarding supports 14,000 identity documents across 251 countries and territories. Once complete, authenticated users can complete palm vein enrollment at their nearest terminal.
Enrollment
Two infrared palm-vein captures are immediately encrypted into an enrollment biometric template. The raw images are inaccessible by design, and the template is a proprietary equation that can only be understood by the IDCentriq platform.
Wallet Top-Up
Customers can top up their wallet balance via account transfer or by depositing cash at an authorized agent.
Biometric Payments
Customers can pay with a swipe of their hand. Automated settlement between the operating account and the collateral account can be done daily or in real-time.
Closed-Loop Wallet Features
01
Omnichannel Authentication
Delivers mutual multifactor authentication and omnichannel digital transaction signing with every payment.
02
Digital Onboarding
Onboarding is simple and secure. Uses iBeta Level 2 facial biometrics and passive liveness detection to authenticate users.
03
User-friendly app and comprehensive SDK
Closed-loop wallets feature a user-friendly app and an SDK which includes mobile threat defence and encrypted communications.
04
Instant Top-ups
Customers can top up their balance instantly using bank transfers or cash deposits.
Why Use Our Closed-Loop Wallets
Eliminates the need to carry around a physical card or wallet
Your customers can securely and conveniently pay with the swipe of their hand. They’ll never have to worry about carrying around a physical card or wallet again.
Tracks the spending behaviour of your customers
Our Closed-loop wallets provide daily settlement reports and data on your customers’ spending behaviour. Every purchase becomes a new data point.
Upgrades payment security
PaymentsCo enables businesses to upgrade their payments to the highest form of biometric security. Onboarding is simple, and payments are fraud-proof.
Keep your customers’ sensitive data safe
Don’t let your customers' data fall into the hands of bad actors. Our biometric templates are encrypted and cannot be replicated or tampered with.
Why IDCentriq?
<1:100 Million
False Acceptance Rate
0
Proven Evasions
<1 Second
Authentication Time
Full Security & Compliance
Compliance is paramount at IDCentriq. We excel in meeting international standards on privacy, authentication, and transaction verification. Allowing you to focus on your customer without worrying about regulatory standards.
Get in touch with us
Our team is always happy to help. Contact us now to learn more about IDCentriq and our suite of connected services.
Email:
Hello@IDCentriq.com