Body of evidence: Biometrics and YOU (The Register)

The proliferation of password protection has become an assault on the senses. The rise of biometric authentication is helping to create some balance, enabling verification with a simple interaction, which, for many, is the fingerprint reader on a mobile phone. And once you start using the fingerprint/phone combo for NFC payments, the convenience it offers soon becomes habitual.

So, no passwords, no pain – battery life notwithstanding, of course.

Biometric methods of user verification are, as the science implies, going to get the measure of one’s biology – something that’s unlikely to change, except by accident or deliberate design.

One of the higher profile facial recognition payment implementations has been the MasterCard Identity Check app, better known as “selfie pay”, piloted in Canada and the Netherlands for corporate card holders. Setting up requires you blink as you prepare to take a selfie. Fingerprint detection is also an option, but as not all phones have these readers and yet every phone these days has a camera, facial recognition to verify payments would seem set to mushroom.

MasterCard relies on Daon’s IdentityX for the biometric functionality – a multimodal identity verification platform that offers mobile devices what the company describes as the “triumvirate of Face, Voice and Touch ID options”.

The MasterCard Identity Check app has other layers of security including encryption and geolocation from the device. Yet for the user, all they’re likely to notice is the swift, password-free effectiveness of selfie pay.

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