Financial services — Biometrics — Part 1: Security framework

ISO 19092-1:2006 describes the security framework for using biometrics for authentication of individuals in financial services. It introduces the types of biometric technologies and addresses issues concerning their application. ISO 19092-1:2006 also describes the architectures for implementation, specifies the minimum security requirements for effective management, and provides control objectives and recommendations suitable for use by a professional practitioner. The following are within the scope of ISO 19092-1:2006: usage of biometrics for the authentication of employees and persons seeking financial services by: verification of a claimed identity; identification of an individual; validation of credentials presented at enrolment to support authentication as required by risk management; management of biometric information across its life cycle comprised of the enrolment, transmission and storage, verification, identification and termination processes; security of biometric information during its life cycle, encompassing data integrity, origin authentication and confidentiality; application of biometrics for logical and physical access control; surveillance to protect the financial institution and its customers; security of the physical hardware used throughout the biometric information life cycle. ISO 19092-1:2006 provides the mandatory means whereby biometric information may be encrypted for data confidentiality or other reasons.

Services financiers — Biométrie — Partie 1: Cadre de sécurité

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Withdrawn
Publication Date
30-Nov-2006
Withdrawal Date
30-Nov-2006
Current Stage
9599 - Withdrawal of International Standard
Completion Date
07-Jan-2008
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INTERNATIONAL ISO
STANDARD 19092-1
First edition
2006-12-01

Financial services — Biometrics —
Part 1:
Security framework
Services financiers — Biométrie —
Partie 1: Cadre de sécurité




Reference number
ISO 19092-1:2006(E)
©
ISO 2006

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ISO 19092-1:2006(E)
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ISO 19092-1:2006(E)
Contents Page
Foreword. v
Introduction . vi
1 Scope . 1
2 Conformance. 2
3 Normative references . 2
4 Terms and definitions. 2
5 Symbols and abbreviated terms . 8
6 Biometric technology overview. 9
6.1 Introduction . 9
6.2 Fingerprint biometrics. 9
6.3 Voice biometrics . 10
6.4 Iris biometrics . 10
6.5 Retina biometrics. 11
6.6 Face biometrics. 11
6.7 Hand geometry biometrics . 11
6.8 Signature biometrics . 12
6.9 Vein biometrics . 12
7 Technological considerations . 12
7.1 Biometric system properties . 12
7.2 Universality. 13
7.3 Distinctiveness. 13
7.4 Accuracy. 13
7.5 Performance evaluation . 15
7.6 Interoperability. 17
8 Basic principles of biometric architectures.17
8.1 Biometric system model . 17
8.2 Data collection subsystem . 18
8.3 Transmission subsystem. 18
8.4 Signal processing subsystem . 18
8.5 Matching subsystem . 19
8.6 Decision subsystem . 20
8.7 Storage subsystem. 20
8.8 Portable tokens . 20
9 Management and security requirements. 21
9.1 Basic applications . 21
9.2 Core security requirements . 21
9.3 Enrolment . 22
9.4 Verification . 24
9.5 Identification. 24
9.6 Transmission and storage . 25
9.7 Termination and archiving. 26
9.8 Compliance and event journal. 27
10 Security infrastructure . 27
10.1 Components . 27
10.2 Physical techniques . 29
11 Biometric validation control objectives. 30
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ISO 19092-1:2006(E)
11.1 Periodic review and audit considerations .30
11.2 Environmental controls . 31
11.3 Key management life-cycle controls. 43
11.4 Biometric information life cycle. 48
Annex A (informative) Event journal. 58
Annex B (normative) Biometric enrolment . 62
Annex C (normative) Security considerations . 64
Annex D (normative) Security requirements for biometric devices. 76
Annex E (informative) Existing applications. 79
Bibliography . 81

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ISO 19092-1:2006(E)
Foreword
ISO (the International Organization for Standardization) is a worldwide federation of national standards bodies
(ISO member bodies). The work of preparing International Standards is normally carried out through ISO
technical committees. Each member body interested in a subject for which a technical committee has been
established has the right to be represented on that committee. International organizations, governmental and
non-governmental, in liaison with ISO, also take part in the work. ISO collaborates closely with the
International Electrotechnical Commission (IEC) on all matters of electrotechnical standardization.
International Standards are drafted in accordance with the rules given in the ISO/IEC Directives, Part 2.
The main task of technical committees is to prepare International Standards. Draft International Standards
adopted by the technical committees are circulated to the member bodies for voting. Publication as an
International Standard requires approval by at least 75 % of the member bodies casting a vote.
Attention is drawn to the possibility that some of the elements of this document may be the subject of patent
rights. ISO shall not be held responsible for identifying any or all such patent rights.
ISO 19092-1 was prepared by Technical Committee ISO/TC 68, Financial services, Subcommittee SC 2,
Security management and general banking operations.
ISO 19092 consists of the following parts, under the general title Financial services — Biometrics:
⎯ Part 1: Security framework
The following parts are under preparation:
⎯ Part 2: Message syntax and cryptographic requirements
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ISO 19092-1:2006(E)
Introduction
Business practice has changed with the introduction of computer-based technologies. The substitution of
electronic transactions for their paper-based predecessors has reduced costs and improved efficiency.
Trillions of dollars in funds and securities are transferred daily on systemically important payment systems and
other financial systems by telephone, wire services and other electronic communication mechanisms. The
high value or sheer volume of such transactions within an open environment exposes the financial community
and its customers to potentially severe risks from accidental or deliberate alteration, substitution or destruction
of data. Interconnected networks, and the increased number and sophistication of malicious adversaries
compound this risk.
The inevitable advent of electronic communications across uncontrolled public networks, such as the Internet,
is also increasing risk to the financial industry. The necessity to expand business operations into these
environments has elevated the awareness for strong authentication and created the need for alternate forms
of authentication. The financial community is responding to these needs.
Biometrics, the “something you are or are able to do” identity factor, has come of age, and includes for
example such technologies as finger image, voice identification, eye scan, facial image. The cost of biometric
technology has been decreasing while the reliability has been increasing, and both are now acceptable and
viable for the financial industry.
This part of ISO 19092 describes adequate controls and proper procedures for using biometrics as an
authentication mechanism for secure remote electronic access or local physical access controls for the
financial industry. ISO 19092-2 describes the techniques, protocols, cryptographic requirements and syntax
for using biometrics as an identification and verification mechanism in a wide variety of security applications in
the financial industry.
Biometrics can be used for human authentication for physical and logical access. Logical access can include
access to applications, services or entitlements. ISO 19092 promotes the integration of biometrics into the
financial industry, and the management of biometric information as part of the overall information security
management programme of the organization. It positions biometric technology to strengthen public key
infrastructure (PKI) for higher authentication, by providing stronger methods as well as multi-factor
authentication. In addition, this part of ISO 19092 allows continuous reassurance that the entity about to
generate a digital signature is, in fact, the person authorized to access the private key.
The success of a biometric system with the public is based on a number of factors, and these factors differ
among the available biometric technologies:
⎯ convenience and ease of use;
⎯ level of apparent security;
⎯ performance;
⎯ non-invasiveness.
The authentication systems discussed in ISO 19092 are those for closed user groups, in which the group
members have agreed to use biometric identification or perform identification themselves. Such agreements
might be explicit (e.g. service agreement) or implicit (e.g. entering a facility indicating a clear intent to conduct
a transaction). Systems used to monitor an indefinite number of people are excluded from the scope of this
part of ISO 19092.
The techniques specified in this part of ISO 19092 are designed to maintain the integrity and confidentiality of
biometric information and to provide authentication. However, ISO 19092 does not guarantee that a particular
implementation is secure. It is the responsibility of the financial institution to put an overall process in place
with the necessary controls to ensure that the process is securely implemented. Furthermore, the controls
should include the application of appropriate audit tests in order to verify compliance with this part of
ISO 19092.
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INTERNATIONAL STANDARD ISO 19092-1:2006(E)

Financial services — Biometrics —
Part 1:
Security framework
1 Scope
This part of ISO 19092 describes the security framework for using biometrics for authentication of individuals
in financial services. It introduces the types of biometric technologies and addresses issues concerning their
application. This part of ISO 19092 also describes the architectures for implementation, specifies the minimum
security requirements for effective management, and provides control objectives and recommendations
suitable for use by a professional practitioner.
The following are within the scope of this part of ISO 19092:
⎯ usage of biometrics for the authentication of employees and persons seeking financial services by:
⎯ verification of a claimed identity,
⎯ identification of an individual;
⎯ validation of credentials presented at enrolment to support authentication as required by risk
management;
⎯ management of biometric information across its life cycle comprised of the enrolment, transmission and
storage, verification, identification and termination processes;
⎯ security of biometric information during its life cycle, encompassing data integrity, origin authentication
and confidentiality;
⎯ application of biometrics for logical and physical access control;
⎯ surveillance to protect the financial institution and its customers;
⎯ security of the physical hardware used throughout the biometric information life cycle.
The following are not within the scope of this part of ISO 19092:
⎯ the individual’s privacy rights and ownership of biometric information;
⎯ specific techniques for data collection, signal processing and matching of biometric data, and the
biometric matching decision-making process;
⎯ usage of biometric technology for non-authentication convenience applications such as speech
recognition, user interaction and anonymous access control.
This part of ISO 19092 provides the mandatory means whereby biometric information may be encrypted for
data confidentiality or other reasons.
Although this part of ISO 19092 does not address specific requirements and limitations of business application
employing biometric technology, subsequent parts of ISO 19092 may address these topics.
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ISO 19092-1:2006(E)
2 Conformance
A biometric authentication system may claim compliance to ISO 19092 if the implementation satisfies the
management and security requirements identified in ISO 19092-1 and ISO 19092-2.
A biometric authentication system that utilizes the cryptographic message requirements recommended in
ISO 19092-2 and which has implemented appropriate policies, practices and operational procedures shall
comply with ISO 19092.
Compliance of many of the aspects of a biometric authentication system can be achieved by satisfying the
management and security requirements specified in Clauses 9 and 10 and in ISO 19092-2, and verified if the
implementation and its associated policies, practices and operational procedures meet the validation control
objectives identified in Clause 11. An organization can document compliance to many operational aspects of
ISO 19092 using the biometric event journal specified in Annex A.
3 Normative references
The following referenced documents are indispensable for the application of this document. For dated
references, only the edition cited applies. For undated references, the latest edition of the referenced
document (including any amendments) applies.
ISO 10202-3, Financial transaction cards — Security architecture of financial transaction systems using
integrated circuit cards — Part 3: Cryptographic key relationships
1)
ISO 19092-2:— , Financial services — Biometrics — Part 2: Message syntax and cryptographic requirements
ISO/IEC 19790, Information technology — Security techniques — Security requirements for cryptographic
modules
4 Terms and definitions
For the purposes of this document, the following terms and definitions apply.
4.1
adaptation
process of automatically updating or refreshing a reference template
4.2
attempt
submission of a biometric sample on the part of an individual for the purposes of enrolment, verification, or
identification in a biometric system
NOTE An individual can be permitted several attempts to enrol, to verify, or to be identified.
4.3
binning
database partitioning based on information contained within (endogenous to) the biometric patterns
4.4
biometric
characterized as being biologically or behaviourally measurable, thus reliably distinguishing one person from
another, so as to recognize the identity, or verify the claimed identity, of an enrolee

1) To be published.
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ISO 19092-1:2006(E)
4.5
biometric authentication
process of confirming an individual’s identity, either by verification or by identification
4.6
biometric data
extracted information taken from the biometric sample and used to generate either a reference template or a
match template
4.7
biometric identification
one-to-many process of comparing a submitted biometric sample against some or all enrolled reference
templates to determine an individual’s identity
4.8
Biometric Policy
BP
named set of rules that indicate the applicability of a biometric template to some community or class of
application having common security requirements
4.9
Biometric Practice Statement
BPS
statement of the practices which an organization follows during the biometric template life cycle (e.g. creation,
management, and destruction), including business, legal, regulatory and technical matters
4.10
biometric sample
initial (raw) biometric data that is captured and processed
4.11
biometric system
automated system capable of capturing, extracting, matching and returning a decision (match/non-match)
4.12
biometric verification
process of comparing a match template against a specific reference template based on a claimed identity (e.g.
user ID, account number)
4.13
capture
acquisition of a biometric sample
4.14
claim of identity
name or index of a claimed reference template or enrolee used by a biometric system for verification
4.15
claimant
person submitting a biometric sample for verification
4.16
confidentiality
property that information is not made available or disclosed to unauthorized individuals, entities, or processes
[ISO/TR 13569:2005; ISO 15782-1:2003; ISO/IEC 13335-1:2004]
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ISO 19092-1:2006(E)
4.17
cryptographic exchange
secure transport or storage of data or cryptographic materials under the protection of a cryptographic key
4.18
decision policy
logic through which a biometric system provides match/non-match decisions, inclusive of the following
elements:
⎯ the biometric system’s matching threshold;
⎯ the number of match attempts permitted per transaction;
⎯ the number of reference templates enrolled per claimant;
⎯ the number of distinct biometric samples (e.g. different fingerprints) enrolled per claimant;
⎯ the number of biometric technologies (e.g. fingerprint, voice) in which the claimant is enrolled;
⎯ the use of internal controls in the matching process to detect like or non-like biometric samples.
NOTE Serial, parallel, weighted or fusion decision models in biometric systems can use more than one reference
template in the match process for a given user (e.g. multiple-biometric systems as well as systems in which reference
templates are created and stored from multiple fingerprints).
4.19
encryption
reversible transformation of plain text (readable) by a cryptographic algorithm to produce cipher text
(unreadable) to hide the information content of the plain text
4.20
enrolment
process of collecting biometric samples from a person and the subsequent generation and storage of
biometric reference templates associated with that person
NOTE See also initial enrolment (4.36) and re-enrolment (4.47).
4.21
Equal Error Rate
EER
probability or percentage of errors when the decision threshold of a system is set such that the false match
rate is equal to the false non-match (historically crossover rate)
4.22
extraction
feature extraction
process of converting raw biometric data into processed biometric data for use in template comparison or
reference template creation
4.23
face biometrics
biometric technology based on the distinctive characteristics of the face, inclusive of features in the visible
spectrum, the infrared spectrum, or both
4.24
failure to acquire
failure of a biometric system to capture a biometric sample, or to extract biometric data from a biometric
sample, sufficient to generate a reference template or match template
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ISO 19092-1:2006(E)
4.25
failure to enrol
failure of a biometric system to capture one or more biometric samples, or to extract data from one or more
biometric samples, sufficient to generate a reference template
4.26
False Acceptance Rate
FAR
the probability, in a one-to-one system, that a biometric system will incorrectly identify an individual, or will fail
to reject an impostor
NOTE For a positive (verification) system, it can be estimated by dividing the number of false acceptances by the
number of impostor verification attempts.
4.27
False Match Rate
FMR
rate for incorrect positive matches by the matching algorithm for single template comparison attempts
NOTE For a biometric system that uses just one attempt to decide acceptance, FMR is the same as FAR. When
multiple attempts are combined in some manner to decide acceptance, FAR is more meaningful at the system level than
FMR.
4.28
False Non-Match Rate
FNMR
rate for incorrect negative matches by the matching algorithm for single template comparison attempts
NOTE For a biometric system that uses just one attempt to decide acceptance, FNMR is the same as FRR. When
multiple attempts are combined in some manner to decide acceptance, FRR is more meaningful at the system level than
FNMR.
4.29
False Rejection Rate
FRR
probability that a biometric system will fail to identify a genuine enrolee
NOTE For a positive (verification) system, it can be estimated by dividing the number of false rejects by the number
of enrolee verification attempts.
4.30
filtering
partitioning a database through the use of exogenous information about the user not discernible from the
biometric patterns, such as sex, age or race
4.31
finger geometry
biometric technology based on the distinctive characteristics of the shape and dimensions of one or more
fingers
4.32
fingerprint biometrics
biometric technology (e.g. finger minutia or finger pattern matching) based on the distinctive characteristics of
the friction ridges and valleys present on an individual’s fingertips
4.33
hand geometry
hand identification
biometric technology based on the distinctive characteristics of the shape and dimensions of the hand
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ISO 19092-1:2006(E)
4.34
impostor
person who submits a biometric sample in either an intentional or inadvertent attempt to be authenticated as
another person who is an enrolee
4.35
information security
preservation of confidentiality, integrity and availability of information; in addition, other properties such as
authenticity, accountability, non-repudiation and reliability can also be involved
[ISO/IEC 17799:2005]
4.36
initial enrolment
process of enrolling an individual’s biometric data for the first time, such that the individual shall provide a
means of authentication, such as a password or ID in order to establish or confirm an identity
NOTE See also enrolment (4.20) and re-enrolment (4.47).
4.37
integrity
property of safeguarding the accuracy and completeness of assets
[ISO/IEC 13335-1:2004]
4.38
iris biometrics
biometric technology based on the distinctive characteristics of features found in the iris
4.39
match
process of comparing a match template against a previously stored reference template and scoring the
degree of similarity or correlation between the two
4.40
match template
data, which represents the biometric measurement of a claimant, extracted from a claimant’s biometric sample
and used by a biometric system for comparison against one or more stored reference templates
4.41
multi-biometric authentication
biometric authentication using two or more different biometric types
NOTE For example, finger biometrics with iris biometrics or voice biometrics with face biometrics.
4.42
multi-factor authentication
authentication using two or more factors:
⎯ knowledge factor, “something an individual knows”;
⎯ possession factor, “something an individual has”;
⎯ biometric factor, “something an individual is or is able to do”.
4.43
one-to-many
biometric identification
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ISO 19092-1:2006(E)
4.44
one-to-one
biometric verification
4.45
palm biometrics
biometric technology based on the distinctive characteristics of features found in the palm of the hand,
inclusive of ridge/minutiae inform
...

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