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ECT News Community   »   E-Commerce Times Talkback   »   Re: MasterCard Will Put Selfies to Work for Authentication



Re: MasterCard Will Put Selfies to Work for Authentication
Posted by: David Jones 2016-02-24 03:47:35
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MasterCard on Monday announced facial recognition and fingerprint technology that essentially would allow customers to take selfies to help authenticate their identity when engaged in mobile shopping. The rollout, which is planned for this summer in the U.S., Canada and part of Europe, follows a pilot of biometrics by MasterCard and International Card Services with Dutch participants. The 750 ABN AMRO cardholders who took part in the pilot were able to complete their purchases without PIN codes, passwords or confirmation codes, MasterCard said.


Re: MasterCard Will Put Selfies to Work for Authentication
Posted by: AnnKor 2016-02-24 06:05:04 In reply to: David Jones
It is a really convenient way of authentication. Though I have some doubts about its reliability:

1. To make a transaction, a high-quality photo is required, which means that one has to have a good camera with high resolution, good lighting, and static environment.
2. There is a possibility of difficulties encountered during the authentication procedure if there are significant visible changes in or damage to a customerís face that occurred after their registration in the system.
3. If an intruder intercepted a customerís login and password and has access to any of their photos (e.g. from a social network), where is the guarantee that the intruder will not be able to use the userís image from an earlier photo to log into the system as this user? And the user will not even be aware of all this happening.

Actually, there is an article describing my thoughts about this method of authentication. If somebody is interested - http://bit.ly/1MNhMRA
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