Trusted KYC, Enrollment and Operations

  1. Introduction
  2. Card Production
  3. Personalization
  4. Enrollment
  5. Summary
  6. Frequently asked questions

Controlled face-to-face enrollment and secure operational handling verifying trusted identities and sustained card integrity.

Introduction

High-security biometric devices require rigorous lifecycle management from manufacturing to operation. The APPSCARD platform implements “passport-grade” processes that ensure integrity at every step—from production to enrollment and activation.

Card Production

During manufacturing, card components are assembled in a secure facility, where fingerprint sensors are calibrated and encapsulated in rigid housings. The secure element (SE) and firmware are loaded and tested under strict confidentiality. BSoC applets are installed using a Hardware Security Module (HSM) following GlobalPlatform standards, ensuring that cryptographic keys and configurations remain protected.

Personalization

Personalization links each card to its legitimate holder through unique identifiers and credentials written into the SE. Physical and logical personalization is performed by authenticated officers before handover. KYC procedures verify the individual’s identity face-to-face using official documents, preventing fraudulent onboarding.

Enrollment

Enrollment, conducted under supervision, registers the user’s fingerprints directly on the card. The process involves guided presentation of multiple fingers, live feedback on quality, and test verification before activation. The biometric reference data remains securely within the card for its entire lifespan, ensuring exclusive usability by the legitimate owner. Difficult or low-quality users are identified and managed with fallback methods such as future on-card face recognition.

To prevent insider corruption or human error, APPSCARD recommends that officers performing KYC and enrollment authenticate themselves biometrically with their own cards—creating a verifiable audit trail. Such accountability greatly reduces risks of coercion, negligence, or fraud.

Export or import of standardized biometric data (ISO/IEC 19794-2) is possible only with administrative rights and secure deletion policies for de-duplication scenarios.

Summary

In conclusion, APPSCARD’s trusted KYC and enrollment model guarantees that every issued Biometric System-on-Card is genuine, personalized, and securely linked to one individual. Supervised enrollment ensures quality, reliability, and full lifecycle integrity—far beyond what self-enrollment payment cards can deliver.

Frequently Asked Questions

Card lifecycle is standardized for many applications. What is the difference?:
A Biometric System-on-Card adds enrollment to the process and it is a critical step that needs to be performed in the right way to retain security.:
And why is enrollment so important?:
During enrollment, the biometric reference data is collected, and it will remain constant for the lifetime of the card. Therefore, it is important to ensure the best quality supervised by an expert. :
Couldn’t video instructions do the job?:
Field trials have shown that biometric performance suffers dramatically when users are allowed to self-enroll – even with all kinds of supportive materials and videos. Another reason to make face-to-face enrollment mandatory is that an authenticated officer has to verify the identity of the cardholder before registering the fingerprints. Otherwise, there is not certainty.: