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• What is a swipe fingerprint reader?

  A swipe fingerprint reader/sensor requires the user to drag the upper part of the finger across the sensor. The complete image is pieced together by accumulating partial images generated as the finger moves across the scan area.

  https://www.acs.com.hk/en/frequently-asked-questions/4/smart-card-fingerprint-readers/
• For a total smart card‒fingerprint security system, what other components do I need aside from computers and AET62 / AET65?

  No additional components are needed to implement a complete smart card‒fingerprint system using AET62 or AET65. The devices can work directly with the application stored in computers or servers.

  https://www.acs.com.hk/en/frequently-asked-questions/4/smart-card-fingerprint-readers/
• Will I be able to access the raw fingerprint data?

  There is no need for the solution house to have raw fingerprint data because the template extraction and matching processes are done by the API (Application Programming Interface) provided. This arrangement makes usage simpler and more secure.

  https://www.acs.com.hk/en/frequently-asked-questions/4/smart-card-fingerprint-readers/
• Can the AET62 and AET65 distinguish between a dead finger and a live finger?

  The fingerprint image is based on the capacitive characteristics of the live finger. Since a live finger and a dead finger have different capacitive characteristics, good solid-state sensors like the TouchStrip in AET62 or AET65 can differentiate a live finger from a dead one.

  https://www.acs.com.hk/en/frequently-asked-questions/4/smart-card-fingerprint-readers/
• What are Pinpad Readers?

  As smart card technology becomes widely accepted, developers add more features to smart card reading devices to improve usage experience and security. In this light, smart card readers with Pinpad make secure and cost-effective  smart card applications beyond the traditional system set-up possible. This is done through more flexible device integration, depending on your system requirements.

  https://www.acs.com.hk/en/frequently-asked-questions/5/smart-card-readers-with-pin-pad/
• What are the Pinpad readers that ACS offers?

  ACS has two product families for the Pinpad product line: ACR83 and ACR89. ACR83 PINeasy PIN-pad reader is one of the smallest in the market, and comes with a simple but highly secure authentication process. ACR89 Handheld smart card reader packs in multiple features for the cost of single reliable device. It can operate on either PC-Linked or Standalone Mode for multiple applications, running a unified system for both office and field-based applications.

  https://www.acs.com.hk/en/frequently-asked-questions/5/smart-card-readers-with-pin-pad/
• What is One-Time Password (OTP)?

  One-time password (OTP) is an alphanumeric code that is valid for only one login session or transaction. OTPs are considered not vulnerable to replay attacks, making them a suitable security feature for online banking applications. However, OTPs are difficult to memorize. Thus, they require additional technology.

  https://www.acs.com.hk/en/frequently-asked-questions/9/dynamic-password-generators/
• How are OTPs generated?

  OTPs can be generated through the following methods: Time-Synchronization between the authentication server and the client Mathematical Algorithm based on Previous Password, where OTPs generated must be used in a predefined order Mathematical Algorithm based on a Challenge, where the challenge can be a random number chosen by the authentication server, or transaction details

  https://www.acs.com.hk/en/frequently-asked-questions/9/dynamic-password-generators/
• What are Dynamic Password Generators?

  Dynamic password generators are devices that generate OTPs to  authenticate different operations/transactions. Some dynamic password generators are called security tokens. Users can carry around security tokens and generate OTPs by pressing a button or integrating a bank card into the token, which would then display the OTP on a small screen. 

  https://www.acs.com.hk/en/frequently-asked-questions/9/dynamic-password-generators/
• What are MasterCard CAP and Visa DPA?

  Chip Authentication Program (CAP) is a MasterCard initiative and technical specification using EMV banking cards to authenticate users and transactions in online and telephone banking. The CAP specification defines a handheld device (CAP reader, which is the dynamic password generator) with a smartcard slot, a decimal keypad, and a display capable of displaying at least 12 characters. CAP is a form of 2-factor authentication, as both a smartcard and a valid PIN must be present for a transaction to succeed. VISA also introduced its own authentication method based on the CAP standard, Dynamic Passcode Authentication (DPA).

  https://www.acs.com.hk/en/frequently-asked-questions/9/dynamic-password-generators/