Zwipe Access doesn’t store the full user's fingerprint but only an abstract representation of the characteristic features extracted from the captured fingerprint images. This is called a biometric template. 

The registration of the cardholder’s fingerprint(s) is called enrollment. 

During the enrollment, the fingerprint sensor passes the captured fingerprint images to the biometric secure element (SE) using a secure channel. The biometric secure element then extracts and securely stores the biometric reference data. After this process is completed, all the captured images are deleted and only the extracted biometric reference template is stored in the Zwipe Access card secure memory. 

Likewise, during later verifications, a freshly captured image is passed in over a secure channel from the fingerprint sensor to the secure element. The secure element then extracts another fingerprint template (called the probe template) and compares it with the reference template. An accredited 3rd party laboratory has reviewed this architecture and performed tests per EMVCo, Visa, and Mastercard requirements.

Zwipe is a pioneer in the field of biometric payments, access control and ID, focusing on cards and wearables. Our customers choose Zwipe because of a combination of technology and performance leadership and an end-to-end, one-stop shop offering. We are dedicated to adding value to our customers thanks to our full focus on biometric authentication for payment and access control and ID. As a result of this, the company has built a strong network of customers and partners across the payment and access control & ID ecosystems. 

Our flagship payment platform features a single silicon secure element which integrates into one chip the many components that were needed on previous generation biometric payment cards. This radically reduces technology and manufacturing costs, while also improving performance and reliability. 

Zwipe Access does not require a battery to operate. It operates based on the power harnessed from the RF field of the access control reader. 

The enrollment kit simply provides the necessary power to enable the card to turn on and register the fingerprint from the user, as part of the enrollment process. There is nothing connecting the kit specifically to the cardholder. While any user who intercepts the enrollment kit and the biometric card can enroll his/ her fingerprint, s/he cannot use the card as the card will be activated in the first transaction with the PIN code. The PIN code will be sent to the rightful cardholder in a separate channel and/or time. 

Zwipe Access is a card-based fingerprint access control solution. Zwipe Access doesn’t require an additional biometric reader because fingerprint capture, feature extraction, and biometric comparison are performed within the Zwipe Access card. 

Zwipe Access enables two-factor authentication with biometrics without the need of an additional fingerprint reader, where the card verifies the cardholder identity, and the access control system verifies the card’s authenticity and integrity. 

The card issuer may set biometric cardholder verification as the primary cardholder verification method for contact-based payments (as would be the case for contactless payments). In this case, offline or online PIN may be used as fallback.