STMicroelectronics has completed EMVCo1 certification for its STPay-Topaz-Bio biometric payment card platform. Certification confirms the security of the platform and its interoperability with payment systems. Mastercard and Visa payment schemes certifications are expected by early 2023.
The achievement makes STPay-Topaz-Bio and the underlying secure hardware the first one-stop-shop EMVCo-certified platform to comprise a biometric secure element and secure operating system (OS). The market for biometric payment cards is forecasted to grow at over 200% CAGR through 2026.
“Card issuers everywhere can now take advantage of our certified STPay platform to deliver new products to market quickly, protected by biometric authentication that is extremely robust as well as easy to use,” said Laurent Degauque, Marketing Director, Secure Microcontroller Division, STMicroelectronics. “The secure element IC that anchors this solution leverages our expertise in hardware security for computing and Internet-of-Things (IoT) applications and is built for contact and contactless transactions.”
ST’s ST31N600 secure element IC provides state-of-the-art defenses for card-payment applications and sensitive processes. These include the biometric template matching for cardholder authentication, which uses software libraries developed with Fingerprint Cards AB (Fingerprints™). The ST31N600 runs a secure OS and the latest Arm® SecurCore® architecture for secure microcontrollers. In addition, designers can introduce value-added card features by securely connecting various types of peripherals.
Co-packaged with ST’s STM32L443 ultra-low-power general-purpose microcontroller in a module compliant with EMV® specifications, STPay-Topaz-Bio delivers a cost-effective Biometric System-on-Card (BSoC) solution. The STM32L443 handles non-sensitive aspects including managing the card’s fingerprint sensor module and ensures seamless experiences for users. Also featuring energy harvesting for batteryless operation, STPay-Topaz-Bio meets EMV ISO 7816, ISO 14443, standards for contact and contactless cards.