Descrizione del progetto
Una soluzione ai problemi di frode nei pagamenti
Con l’aumento dell’uso dei dispositivi IoT e dell’intelligenza artificiale, i rischi per la cibersicurezza sono aumentati in modo esponenziale e hanno reso i servizi di pagamento, il controllo degli accessi logici e fisici, le infrastrutture critiche, le organizzazioni governative e i singoli individui sempre più vulnerabili agli attacchi informatici. Il progetto QuardCard, finanziato dall’UE, affronterà questo problema introducendo una soluzione di «autenticazione come servizio» con un livello elevato di sicurezza, basata su una smart card che incorpora la tecnologia biometrica delle impronte digitali, un generatore dinamico di password monouso e un sistema di autenticazione backend, rendendo praticamente impossibile interrompere il collegamento tra l’identità fisica e quella digitale. La soluzione completa copre, tra l’altro, l’accesso logico e fisico, i pagamenti con carta, i pagamenti digitali, l’autenticazione di asset blockchain/crypto e soluzioni governative e sanitarie.
Obiettivo
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.
Campo scientifico
Parole chiave
Programma(i)
Invito a presentare proposte
Vedi altri progetti per questo bandoBando secondario
H2020-SMEINST-2-2016-2017
Meccanismo di finanziamento
SME-2 - SME instrument phase 2Coordinatore
2730 Herlev
Danimarca
L’organizzazione si è definita una PMI (piccola e media impresa) al momento della firma dell’accordo di sovvenzione.