> But, all biometric systems are insecure. 

If used as the single factor of authentication, then perhaps. 
But if you require PIN, biometrics, AND the card to authenticate - this is 
three factor authentication, and stronger than PIN+card.

Some systems do "match on card" as well. If the biometrics unlocked the card 
and keys, that also provides security. I think some biometrics that use 
match-on-card have readers that return what is requested, so the biometrics are 
not re-playable.


>At the moment biometric is only a toy 


Some are toys, and none are perfect, I agree.

>and it is easy to forge fingerprint

Some companies use techniques to defeat simple techniques as you describe, such 
as measuring characteristies beneath the surface of the skin.


I'm not sure anyone has defeated iris scanning, as these systems are suppose to 
understand how the pupil dialates under different light conditions.

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