Once you register for a Fingopay account and link your payment method, all you need is your finger.
Fingopay readers are installed at Spisestuerne canteens in the Copenhagen Business School and in Costcutter at Brunel University. You can use them to pay at the tills for food, drinks and groceries. More locations are coming soon.
When you are ready to pay, place your finger straight into the Fingopay scanner, until its tip rests in the groove at the back.
Harmless infrared light in the hood of the scanner shines through your finger to create an image of your finger vein in the base.
Fingopay was first used at Festival No 6 at Portmeirion, Wales, and students at Brunel University, London, can pay with it at the campus convenience store.
The technology has already been used at 80,000 ATMs in Japan.
No. The system uses the unique structure of the veins in your fingers. These veins can only be acquired with our scanners and used with our system.
There is a one-in-a-million chance that an imposter could pass themselves off as you. The system achieves a false accept rate of one-in-a-million, at a false reject rate of one-in-10,000.
Fingopay outperforms other biometrics, such as face and fingerprint, by at least an order of magnitude. It cannot be spoofed.
Finger veins are stable over time, they are more unique and can identify you in moments using our small scanner.
You don’t leave finger veins around like finger or palm prints and they cannot be obtained without your direct consent and involvement in our secure registration and enrolment process.
Fingopay is unaffected by surface damage to your finger. If the damage to your finger is deep and permanent, you would be able to enrol another finger or re-enrol the damaged finger.
Your finger vein is never stored, anywhere. We create a “Finger Vein Template” (FVT). This is an encoded representation of the scanned finger vein.
It is encrypted as soon as it is captured by the Fingopay scanner and is never stored unencrypted.
Your FVT, which is unusable by anyone else, is stored in a secure database
All the information you give us is encrypted for use. It is stored on a secure database in a form that can be never used by anyone else.
Yes. The system allows you to remove yourself completely. If you delete your Fingopay account, you will still be able to use your payment card as normal.
We never transmit or store any payment card information in our systems. We use encrypted representations called Tokenised Card-on-File.
No. Fingopay only recognises a living finger. Oxygenated blood must be circulating for VeinID to work. This cannot be spoofed with a fake finger.
No. The pattern of finger veins is unique, even among biological twins.
This process assures that our system acquires the very small variations in your finger veins caused by heartbeat and micro movements.
We use three scans to ensure we have a usable, encrypted finger vein scan.
The surface you touched is very small – the size of your fingertip. You do not actually touch the scanning area.
There are no dirt traps in contact areas and the scanners are simply wiped clean. We think that our system is more hygienic and easier to keep clean than Pin Entry Devices and ATM Key Pads.