A detailed case study looking at the Paybooc mobile app utilizing FIDO Authentication for biometric authentication

1. Biometric Authentication for Mobile Payments
BC CARD
2018.10
BC Card Case Study

2. 1BC Card
2nd Acquirer in Asia-Pacific 2017(Trans.)
BC Card Business Overview
BC Card Key Figures
Active
Merchant
BC Card
Products
No. of
Transaction
33 Issuing Clients
China
UMS
BC CARD KB JCB Common
wealth
5375mil.
4901mil.
2945mil.
2728mil.
1809mil.
BC
Card
[Source] 2018 The Nilson Report

3. 2BC Card
Mobile Payments in Korean Market
Biometric Authentication
Voice
Card
ICT
paybooc
FAN
kakao
pay
Samsung
pay
LG Pay
FaceIrisFingerLaunch Main Channel
Online
Offline
June 2017
April 2016
April 2017
August 2015
June 2017
Online

4. 3BC Card
FIDO System in BC Card
BC FIDO
삼성페이
페이북
아이콘
LG페이
SSG
페이
Customer
Mobile Payments App.
Payment Server
•••
Card Services

5. 4BC Card
Increase paybooc Biometric Auth. Users
BC Card Mobile Payments App. “paybooc”
paybooc Biometric Payments Process
■ Fingerprint, Voice, Face Auth. for Login and Payments
■ 1st Voice Auth. System among Korean Financial Institutes
■ 1st Face Auth. System among Korean Mobile Payments
Increase BC FIDO* Transactions
Biometric Auth.
paybooc cards
online
offline
'17.4Q '18.1Q '18.2Q '18.3Q
0.3mil.
0.8mil.
1.3mil.
1.7mil.
0
5
10
15
20
25
’17.7 ’17.12 ’18.6
20mil.
13mil.
* BC paybooc, Samsung pay, LG pay etc.

6. 5BC Card
Paybooc User Journey(1) : Register Biometrics
① Agree the term
of services
② Verify by
checking the USIM
③ Verify by entering
the credit card info.
④ Set up ID/PW ⑤ Register biometric info.
PaymentsSign-in
ID : BC***

7. 6BC Card
Paybooc User Journey(2) : Sign-in & Payments with Biometrics
① Sign-in page ② Use Biometric Auth.Sign-in
Payments ① shopping app. ④ Complete Payments
③ Sign-in without PW
③ Use Biometric Auth.② Pop-up ‘paybooc’
Set up Biometrics

8. 7BC Card
The Future of FIDO Ecosystem in Korea
Deployment and Use of FIDO2 Enhanced Interoperability
Server A App.
AS
IS
TO
BE
Server B
Server A App.
Server B