Banking & Financial Services
Payments and account access without a card, an account number, or stored personal data.
Card-Free Transactions
Authorize credit and debit transactions with only a biometric.
Every card is a copy of the account it draws on. It can be lost, stolen, cloned, or skimmed, and each of those failures is invisible until the money is gone.
Register
The account holder enrolls once, at the institution or through a reader module.Authorize
The transaction is authorized by the biometric. There is no card to present and no number to intercept.Settle
Authorization is conclusive at both ends: the merchant is confirmed to the holder, the holder to the institution.Nothing at the point of sale is worth stealing, because nothing at the point of sale represents the account.
Fraud Reduction
Remove personal data from the transaction stream so account data cannot be intercepted or replayed.
Fraud follows stored data. Where an account number, a date of birth, or a Social Security number moves through a system, that system becomes worth attacking.
Tokenize
An encrypted biometric is bound to a quantum-assigned Secure Identifier Number instead of an exposed identifier.Transmit out of band
Authentication functions are separated from conventional transmission paths.Store nothing
The platform retains no personally identifiable information and no transaction data.The system holds nothing an intruder would want. That is the design objective, not a byproduct of it.
Request a banking briefing.
We walk the architecture, the registration model for this environment, and where it fits an existing program.