Authentication & Security

Lund’s University Student Introduces Quixter, Payments via Vein Pattern Scanning

Biometric Authentication gained quite some attention during 2013 with Danal, Zwipe and a few other notable companies entering the space and even dishing out some products. Recently, PulseWallet partnered with Fujitsu Frontech to make use of their PalmSecure biometric technology for payments. Now in another display of innovation, Swedish Student from the notable Lund’s university has introduced a technology that scans the user’s palm for vein patterns - and uses the individual pattern as a payment confirmation.

  • The gadget called Quixter scans the vein pattern found in a person's palms. 
  • People who are interested can sign up for Quixter at any store that supports it. 
  • To sign up, users need to provide their phone number as well as Social Security number. 
  • Thereafter, the service links to a bank account through a debit card whilst scanning your palm several times. 
  • The users have to just enter the last four digits of their phone number, hold their hand above the device's sensor and their payment gets deducted from their bank account within a few seconds. 
  • Any purchase that you perform with Quixter you can instantly see by logging into My Account. This makes it easy to keep track of what you spend.
  • Quixter has over 1,600 people signed up for its platform with and is setup in 15 stores and restaurants around the university. 

Quixter is not the first to dabble with biometric payments however: 

PulseWallet: 

PulseWallet, an Electronic transaction POS provider, demonstrated their innovative cardless POS solution at CES (Consumer Electronics Show) international between the 7th and 10th of January, 2014 in Las Vegas. Its solution already enables users to pay for products with just their finger but the problem with that setup is that the fingerprints can potentially be lifted according to the company.

Now PulseWallet is converting to a more secure biometric technology that “combines data on palm vein patterns with fingerprint data from three fingers.” PulseWallet partnered with Fujitsu Frontech to make use of their PalmSecure biometric technology. The integrated PalmSecure vein imaging technology allows merchants to provide a secure payment option, whilst giving users an all-in-one payment system for them to access their eWallets.

  • After the customer visits a store once, he can register his palm and link it to the credit card of his choosing.
  • Then, the store will have it on record the next time the user visits the outlet.
  • For payment, the user can swipe his palm, after which he will be required to enter his phone number to verify it’s really him.  

PayTango: 

YC backed startup PayTango, seeks to enable customers to pay via Fingerprint Scan. PayTango was Co-Founded by 4 CMU (Carnegie Mellon University) graduates – Brian Groudan, Kelly Lau-Kee, Umang Patel (CEO) and Christian Reyes in August 2012. The company has received a total funding of $700K through investors Y-Combinator and Andreessen Horowitz in Seed Round.

PayTango’s system links a form of payment such as debit or credit card, to a user’s fingerprint. He will then have to only place his index finger and middle finger on the biometric fingerprint scanner to make payment. The software immediately recognizes the user.

  • To setup a new account with PayTango, students and other customers can register at the terminal when checking out.
  • The registration process is completed when the user scans their fingerprints, slides the debit or credit card that they would like to be linked with the account and finally enters their phone number.
  • The payment method (credit/debit) that is linked with the user’s fingerprint is tied directly to a merchants POS system and is charged for the purchase automatically.
  • In addition, the fingerprints could be linked to a retailers discount or loyalty program. This would enable the user to avoid another scan during checkout.
  • The entire process takes approximately 6 seconds according to the company. Signing up process is around 20 seconds – it was fast enough for 100 students to sign-up within four hours on the Carnegie Melon campus.

Chiraag Patel

Chiraag Patel is a Senior Reporting Analyst and the Editor of Bitcoin and Virtual Currency channels at Lets Talk Payments. He is an engineer with deep interest in MMORPG, Virtual Banking, Game Currency and Virtual Cash. Chiraag enjoys Reading& Blogging with focus on New Innovation, Technology & Startups in the Payments Space.

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