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    Biometric Card Acquirer Acceptance Guide Global Jan21

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    stan ned
    The document discusses Mastercard's biometric card which uses a fingerprint sensor to authenticate payments. It works like contactless payments above the limit without a PIN. The biometric data is stored securely on the card and not shared. Transactions are processed like regular payments, with the issuer determining approvals based on whether authentication was successful.

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    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd

    Biometric Card Acquirer Acceptance Guide Global Jan21

    Uploaded by

    stan ned
    6 views2 pages
    The document discusses Mastercard's biometric card which uses a fingerprint sensor to authenticate payments. It works like contactless payments above the limit without a PIN. The biometric data is stored securely on the card and not shared. Transactions are processed like regular payments, with the issuer determining approvals based on whether authentication was successful.

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    The document discusses Mastercard's biometric card which uses a fingerprint sensor to authenticate payments. It works like contactless payments above the limit without a PIN. The biometric data is stored securely on the card and not shared. Transactions are processed like regular payments, with the issuer determining approvals based on whether authentication was successful.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    6 views2 pages

    Biometric Card Acquirer Acceptance Guide Global Jan21

    Uploaded by

    stan ned
    The document discusses Mastercard's biometric card which uses a fingerprint sensor to authenticate payments. It works like contactless payments above the limit without a PIN. The biometric data is stored securely on the card and not shared. Transactions are processed like regular payments, with the issuer determining approvals based on whether authentication was successful.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 2

    Accepting the Mastercard®

    Biometric Card
    Mastercard is committed to helping acquirers learn
    more about the Biometric Card and how to handle it
    without any new software. As more financial institutions
    decide to issue cards with embedded biometric sensors, you may
    notice an increasing number of customers using such cards in your
    merchant locations. This pamphlet will help you to be prepared to
    accept these cards and to understand how they can be used.

    The Mastercard Biometric Card provides a simple and secure way for cardholders to authenticate their identity for in-
    store purchases using their fingerprint, as an alternative to using PIN or signature. It is a chip card that can authenticate
    both contact and contactless transactions biometrically. An embedded sensor authenticates the cardholder’s identity
    through an enrolled fingerprint using power drawn from the terminal or NFC technology, so there is no battery needed in
    the card.

    Like digital wallets, the Biometric Card can be used for paying above the terminal’s contactless limit* without the need
    for a PIN or signature. The card can do a biometric “capture and compare” entirely on the card, similar to digital wallets.
    The biometric data is stored securely as a digital template on the cards; this is never shared externally. The results of the
    biometric match are shared with the issuer as part of the authorization request.

    The card is the same thickness as other cards and is designed to work biometrically at Mastercard EMV terminals
    worldwide, with no impact on terminals or acquirer software.

    Merchant Point-of-Sale Experience

    STEP 1 ST E P 2 STEP 3 STEP 4


    Merchant enters A cardholder places their The new digital thumbprint The issuer receives the
    purchase details then thumb on the sensor built image is compared against chip data indicating
    submits to terminal, into the card then taps the the stored digital template whether the biometric
    just as they do today. card or inserts it into the on the card. match was successful
    EMV terminal. or whether it failed. The
    Reminder: Contactless-enabled The biometric match results issuer uses this data to
    Biometric Cards can be used A new digital image of the are sent to the EMV chip, help make its approval
    for payments above the usual cardholder’s thumbprint is and the transaction data
    contactless limit. decision.
    created on the card, using is sent to the issuer in the
    power from the terminal. authorization request. Merchant receives
    authorization response.
    If matching is not possible, the terminal
    will ask for another authentication
    method, such as PIN or signature,
    based on the issuer’s preference.

    * THRESHOLD IS DEPENDENT ON MERCHANT COUNT RY AND


    ACQ UIRER P OS SETUP
    ©2021 MAS T ERCARD. PROPRIET ARY AND CONFID ENTIAL. ACCE P T I N G T H E M AST E RCA R D ® B I O ME TRIC CARD
    Processing points Ordinarily, in a regular PIN or signature transaction, tag 9F34 (Cardholder
    Verification Method (CVM) Results) would indicate which cardholder verification
    for acquirers method has been used. However, for a Biometric Card the CVM results cannot
    be solely relied upon. This is because when CVM is carried out successfully on the
    and payment Biometric Card, the Application Interchange Profile (AIP) indicates that
    cardholder verification is not supported by setting the “cardholder verification is
    processors supported” bit to zero. When this bit is set to zero, the terminal will skip CVM
    processing altogether.

    The Cardholder Verification Results (CVR) in Issuer Application Data (tag 9F10)
    contains the result of the biometric match to be passed to the issuer. Therefore,
    the CVR appears only in the issuer application data and is relevant only to the
    issuer.

    Acquirers can confirm that biometric authentication has been


    used by checking that the AIP B1b5 of tag82 in DE 55 is set
    to zero. The AIP is a mandatory field that the acquirer should
    already be checking. It is in the acquirer’s interest to identify
    successful biometric matching. If the transaction has been
    duly approved, the issuer will be liable for any related
    transaction losses.

    Acquirer liability The introduction of the Biometric Card does not change any dispute rights.

    The chargeback liability remains with the issuer if the biometric match is
    successful. If the biometric match is not successful, then the transaction will
    be processed using the highest priority CVM commonly supported by both the
    card and terminal, which may be PIN or signature. In that situation, standard
    chargeback rules will apply. Please refer to the Chargeback Guide regarding the
    chip and chip & PIN liability shifts.

    Terminal The Biometric Card requires no changes to acquirer or merchant hardware


    or software, as it is compatible with any EMV-enabled terminal that has
    requirements satisfactorily completed the Mastercard Terminal Integration Process (M-
    TIP) and is operating on current valid specifications from Mastercard and
    EMVCo. A Biometric Card can also be used on a contactless terminal that
    has been updated for Apple Pay or Google Pay acceptance.

    M OR E I N FOR M AT I ON

    For more background information, please refer to Mastercard’s previous publications AN2151
    and AN1353 on Mastercard Connect®, which covers changes to chargeback and transaction
    processing rules.

    © 2021 MASTERCARD . PRO PRIETARY AND CONFIDENT IAL. ACCE P T I N G T H E M AST E RCA R D ® B I O ME TRIC CARD

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