CORDIS - EU research results

Powered smart card with a biometric one time password system

Project description

A solution to payment fraud problems

With the expanded use of IoT devices and AI, cybersecurity risks have increased exponentially and made payment services, logical and physical access control, critical infrastructure, government organisation and individuals increasingly vulnerable to cyberattacks. The EU-funded QuardCard project will address this issue by introducing a highly secure "authentication as a service" solution based on a smart card that incorporates biometric fingerprint technology, a dynamic one-time-password generator and a backend authentication system, making it virtually impossible to break the link between the physical and digital identity. The complete solution covers logical and physical access, card payments, digital payments, blockchain/crypto asset authentication, and government and health solutions, among others.


CardLab and QuardLock’s joint vision is to bring a disruptive, highly secure smart card (QuardCard) to the financial payments market, which is currently facing major increases in fraud levels. QuardCard combines, for the first time: (i) a smart card (all data is kept inside the card and only encrypted keys are released); (ii) a biometric fingerprint – highly accurate and impossible to copy; and (iii) dynamic one-time-password (OTP), generated by the user's fingerprint. As such, the card only works with the rightful owner’s fingerprint and will improve drastically the security of online and physical transactions.

The card will be marketable in two generations/versions: • 1st generation QuardCard for the generation of OTPs through user’s fingerprint for e-banking authentication and e-commerce transactions; • 2nd generation QuardCard combining generation of OTPs with capacity for physical transactions (card payments or cash withdrawal), replacing the need for a conventional credit card. Due to the certification compliance of the current prototype, both generations will be ready for mass production upon completion of the QuardCard project. However, financial institutions do not easily replace existing solutions by novel technologies. Ensuring and demonstrating a maximum level of user security is a key differentiating factor to gain access to the market. Given QuardCard´s value proposition, combined with the demonstration and certification activities planned for Phase 2, we will be able to enable subsequent market entry. The consortium gathers two Danish SMEs: CardLab (QuardCard manufacturer) has an established network of clients and QuardLock holds the patent and know-how to use biometrics to generate an OTP. Both companies will benefit from the project through a cross-license agreement where each receive a share of QuardCard revenues and royalties.

Later the technologies can be spread out to other user areas where a biometric safe card can be of utmost importance.

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Net EU contribution
€ 911 492,57
2730 Herlev

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The organization defined itself as SME (small and medium-sized enterprise) at the time the Grant Agreement was signed.

Danmark Hovedstaden Københavns omegn
Activity type
Private for-profit entities (excluding Higher or Secondary Education Establishments)
Total cost
€ 1 455 938,92

Participants (1)