Nearly six years in the making, the final prototype of a biometrically enhanced card designed to combat fraud before it occurs is set for a test-run among several credit unions this fall.

The XCalibur card was created by CUSO XCard Systems LLC with assistance from IBM Global Engineering Solutions. Also referred to as the XCard, it aims to function as a “biometrically secured vault” for financial and personal data. It has the same dimensions and feel as a regular plastic card. The owner will have the ability to store multiple credit, debit, gift, loyalty and smart cards within the device. Various levels of security and information stored within the card may be reached by using separate biometric authentications, which is supposed to eliminate the need of remembering passwords or PINs.

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