Henniger, OlafOlafHennigerNikolov, DimitarDimitarNikolov2022-03-122022-03-122013https://publica.fraunhofer.de/handle/publica/38243010.1007/978-3-642-37282-7_12Nowadays, many bank cards are smart cards (i.e. integrated-circuit cards) based on the EMV specifications for payment systems. This paper specifies how biometric on-card verification can be integrated into EMV debit and credit cards in a backwards-compatible way. The biometric verification does not change the EMV transaction flow outside the cardholder-verification step. The proposed payment system has been prototyped using Java cards and an applet for handwritten signature on-card verification.enbiometricssmartcardelectronic payment006conference paper