What do you think about "Selfie Payment" ?

RaduV Level 1

October 5, 2016, 7:14 am

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What do you think about "Selfie Payment" ?

What do you think about MasterCard's new payment option, "Selfie Payment" or on it's real marketed name Identity Check Mobile? Basically, you will be able to confirm and authorise any payments without using passwords or any digital calculator for special codes only with your face and your fingerprint. Amazing right?

What you will need in order to make this work?
First you have to download Mastercard app and take a selfie. This photo will be stored analyzed and then a digitalised version of your face will be stored on Mastercard's servers.

Then the photo will be used for future references whenever you will be making any purchases. As a security measure, in order to avoid fake identifications, the app will ask you to blink to prove that it's really you and not some static photo.
What do you think about "Selfie Payment" ?

To be completely honest, I don't use MasterCard because in our area VISA is more popular but I really really tend to get one because I will reduce the amount of useless password that I have to remember.

And let's admit that it looks quite fancy.

Comments

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Lynne

Lynne

I also only have Visa, so I won't have access to this for a while either. But really where one company goes with technology its big competitors and all the little guys are sure to follow suit in just a matter of time.

By the time you have your Mastercard delivered to your door and set up with selfie payments you'll find Visa has just come out with it anyway LOL.

I like this idea, it will stop people being able to hack into your accounts so easily. Like Mike says I bet all phones and computers will also soon have retina or fingerprint scanning. Even in the little gym, in our tiny little town in the middle of nowhere, in a third world country, you access the gym with your fingerprint!

8 years ago

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RaduV

RaduV

Probably you are right, maybe it's not the best thing to shift from Visa to MasterCard for this reason only. It does work really well so except the "Selfie" thingje I don't have a particular reason to change.

8 years ago

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Lynne

Lynne

I love my bank and all my cards through my bank are Visa... it is the most digitally advanced bank in my country so I will be staying with them for sure. They are the bank that connects with Paypal and I have everything through them. I won't change for something like that when I know it will just be a matter of time...

8 years ago

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EliteWriter

EliteWriter

Even though it is innovative I still have my doubts about it. The main intention is to increase security, but I believe that there is always a way around it. I would rather go for codes that are generated on a device that is owned by the individual. The device itself will be locked. I know that having someone look just like you is maybe a bit farfetched but you never know! And as procoder and mike mentioned, it could be done after all!

8 years ago

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RaduV

RaduV

There isn't any protection system that is 100% unbreakable but it forces the hacker to struggle a bit more than with the normal systems that are protected only by passwords. The thing with the devices is a good thing and also a not so good thing. For instance, I have my device linked to my online banking account and whenever I access it from my phone it skips some step because it recognize my device and assumes that is me.

However, when I try to log in from my laptop it asks all kind of security steps to be taken before they will give me access. My point is that I, as a seaman, don't carry all the electronic tokens or even my primary phone with me and I get my account blocked because they don't recognize the device.

8 years ago

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Everett

Everett

What if you have an evil twin, and they decide to go on a shopping spree on your expense? See, everything has a loophole! The fact that I don't like is how a credit/debit card company will store your identity basically. They don't ever tell their customers just how secure their servers are which is an immediate red flag for me. They just create features, and hope people will use it without disclosing those details.

I don't like sending companies my selfie just to purchase something, that seems to be a tad bit ridiculous on their part. But I know they are trying other methods of enhanced security but a selfie seems to be quite intrusive. What ever happened to the fingerprint? Like on iPhones you could unlock the phone with your fingerprint, why don't they try something like that for devices that have that option?

8 years ago

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RaduV

RaduV

I haven't thought about my evil twin brother doing the shopping spree, anyway it isn't a perfect system. First you need to download the app, login into your account and then you can authorize the payments with your face. So he / she might need to know a lot of details before she can reach the part where the payment should be approved.

I believe also that it does not exist the perfect looking twin so I'm thinking that when they scan your photo they will use some face recognition software and the payment is approved only if the recognition is above some percentage.

8 years ago

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Cristian

Cristian

I find it simply stupid, glad I don't have a MasterCard! I live my Visa, especially the hover payment thingy for which you don't need to enter a pin number.
Sure if someone was to steal my credit card maybe it would be able to do some shopping at some point but eventually, a limit would be reach and a pin would be required.
Anyways, its very fast and I just love it, hope they keep it this way, I simply don't need additional security, I can block all my cards in seconds from my smartphone bank app.

8 years ago

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Corzhens

Corzhens

With the prevalence of digital crimes, corporations are thinking of ways to prevent fraud. That selfie identification is one good way of ensuring the authenticity of the user. However, is it fraud proof? We know that criminals are always one step ahead when it comes to fraud and they may find a way on how to overcome this obstacle.

8 years ago

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