BIOMETRIC AUTHENTICATED PAYMENTS

SUMMARY

Assessing Market Dynamics, Opportunities and Challenges To 2011

An Exclusive Report Dedicated To Probing Issues, Trends, And Competitive Forces Shaping Biometric Payments And Their Impact On Traditional Payments

• Analyzing Why Technology And User Needs Are Now Aligned For Explosive Growth In Biometric Payments
• Defining The Market Drivers And Trends In Biometric Authenticated Payments
• Detailed Opportunity Analysis And Outlook For User Needs And Markets Served
• Detailed Strategy Discussions On A Per Company Basis For Existing And Emerging Players In Biometric Payments
• Impact Of Biometrics On The Traditional Payments Industry, Retailers, And The Financial Industry
• Consumer Intangibles
• Hurdles In Authentication
• The Convergence Of RFID And Biometric Payments
• Government Support And Regulation
• The Future Of Biometric Authenticated Payments
• How Will Biometric Payments Enhance Customer Loyalty?
• How Wary Do Credit Card Companies Need To Be Of Biometric Payments, And What Are Their Opportunities?
• What Are The Partnership Opportunities Between Players Utilizing Different Technologies To Leverage Their Strengths And Drive Consumer Adoption?
• Growth In Online Payments And Its Impact On The Payments Value Chain
• Payment/Card Holder Steering And How It Relates To Biometric Payments
• The Convenience Factor: Active vs. Passive Payment
• Analyzing The Features And Benefits Of Biometric Payments Technology
• Dealing With Security Issues
• Biometric Authenticated Payments Merchant Benefits
• Biometric Authenticated Payments Applications And Trials
• Market Forecasts To 2011!

TABLE OF CONTENTS

Section

Executive Summary

• Challenges of Alternative Payments Innovation
• Electronic Payments
• Focus of Report
• Technology
• Competition, Cooperation, Partnerships
• Conclusion

Overview of Alternative Payments

• Overview of Alternative Payments
  • Scope of this Report
• The Way People Pay
  • Three Ways of Paying
  • Paying on Account and Extending Credit
• The Payments Value Chain
  • Potential to Shorten the Value Chain
• The Four Party Payment System
  • Authorization
  • Clearing and Settlement
• Interchange Fees
• Types of Alternative Payments
  • Contactless Payments (Debit And Credit)
  • Mobile Payments
  • Biometric Payments
  • Specialized Payment Markets
    • Micropayments
    • Social Money
• Key Market Segments
  • Mainstream Market
  • Unbanked, Immigrants, and Credit Challenged
  • Unbanked -- International
  • Youth Market
  • Merchants
• Conclusion

Figures:

• Overview of Alternative Payments - How A Purchase Is Made
• Overview of Alternative Payments - How A Merchant Gets Paid

Tables:

• Annual Number of Noncash Payments

Alternative Payments Technology

• Introduction
• Magnetic Stripe
• Radio Frequency Identification (RFID)
  • RFID Acceptance
• Smart Cards
• Short Message Service (SMS)
  • Direct Debit Using SMS
• Near Field Communications (NFC)
  • NFC Trials
  • Philips Arena Trial in Atlanta, Georgia
  • NFC Trial in Dallas, Texas
  • NFC Potential
  • NFC Developments in Japan
  • NFC In Europe
• Biometrics
  • Fingerprint Template and Payment Procedure
• Industry Coordination and Standards
  • RFID
  • m-Payments and Contactless Payments
  • NFC Forum
• Payments: Mag-Stripe, Contactless, Smart Card, Wireless, Biometrics
• Conclusion

Market Drivers and Trends

• Introduction
• Speed and Convenience
• Country Specific/Cultural Factors
• Differing Payments Infrastructures By Country
• Ease of Use, Fumble Factor
• Micropayments
• Microcomputer in the Hand
• Cool Factor
• Retaining Customer Loyalty -- Rebates and Coupons
• Payment/Cardholder Steering
• Unbanked Population (Immigrants, Credit Challenged)
• High Credit Card Fees -- Background on PIN-Based Debit Cards
• Disintermediaton
• Security Concerns
• Active versus Relatively Passive Payment Action
• Government Support and Regulation
• Need for Online Payments, New Payment Alternatives
  • PayPal
  • Google Checkout
• Un-Drivers
• Point of Sale Equipment
• Other Payment Providers
  • MoneyGram International
  • Peppercoin

Biometric Authenticated Payments

• Introduction
• Biometric Authentication
• How Payments Work
• Merchant Benefit
• Security Discussion
• Need for Registration
• Applications and Trials
• Market Evolution
• Potential Users
• Key Players
  • Biometric Service Providers
    • Pay By Touch
    • Privaris
    • Digital Defense Group
    • IdentiSys
  • Authentication Companies
    • Gemalto (Axalto, Gemplus)
    • US Biometrics
  • Technology Providers
    • NCR
    • Facekey
    • Fingerprint Cards
  • Card Companies
    • Discover Financial

Market Projections

• Introduction
• Biometrically Authenticated Payments
  • Current Market
  • Key Assumptions
  • Market Forecasts

Figures:

• Biometric Company Revenues Resulting From Biometric Authorization of Payments at U.S. Merchants - 2006 to 2011
• Payment Revenues at U.S. Merchants Resulting Form Biometric Authentication - 2006 to 2011

Tables:

• Likelihood of Certain Major Retail Categories Utilizing Biometric Payments