MasterCard holders can now pay their online purchases by taking a selfie or stamping their fingerprint on their own smartphones instead of using conventional pin or password. It seems to me that this is almost fraud-proof in credit card security, but are there any downsides in this innovative facial recognition and biometric approach?
http://www.theverge.com/2016/2/23/11098540/mastercard-facial-recognition-heartbeat-security
I'm a little reticent to respond to this because it could provide the start of a 'how to defraud' list! Facial recognition is not necessarily good enough for this purpose.
Thank you Jennifer for your comment. I agree with your thought of not providing "how to defraud " list. I am actually thinking in the context of social, ethics, and privacy issues. There is also a concern of removing the electronic credentials if someone doesn't have that particular Mastercard anymore.
Only three biometrics are invulnerable to deliberate masking to falsify identity;namely,DNA,SKELETON AND IRIS.The first two are obvious .The iris invulvnerability to masking is because of its physiological component...the pupil reaction to light stimulus.This characteristic guarantees a live person previously enrolled can then be recognized with certainty.as being alive.
Both the facial and fingerprint biometrics are vulnerable to masking ID..In a certain population segment people do not have finger[prints or they can be duplicated (FBI data).New technology allows for impersonators to assume the ID of someone else (F.A.R.error also referred to as Type II error).
- Within next 5-10 years it is projected that credit cards,Pins,etc(and something you know or have) will be an anachronism replaced by something you are.....a biometric !.
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