The MasterCard identity check mobile app is trying to achieve exactly that. Using biometric authentication you may soon be able to authenticate yourself by clicking a selfie (instead of having to enter a password) and make payments.
Previously I wrote about Amazon being granted a patent for allowing you to make credit card payments by clicking a selfie.
Biometric authentication methods such as fingerprint sensors and clicking a selfie have been catching on because they are not just a quicker way of signing in, they are more reliable. Your passwords and passcodes can be stolen or you can forget them, but you can never forget your fingerprint or your facial features. Whether you want to make a payment or simply log into your device in order to use it, clicking a selfie or authenticating yourself with your fingerprint is a much more reliable method than having to key in your password, especially when you might be authenticating yourself scores of time every day.
According to this Inc report, on an average a person has to maintain at least 19 passwords. No wonder people end up creating very simple, easy to remember password, at the cost of exposing themselves to identity theft and privacy violation. Authenticating yourself by clicking a selfie will be easier, totally safe and highly reliable.
Here is the video that explains how you can authenticate yourself by clicking a selfie and make a payment using MasterCard:
Clicking a selfie to authenticate yourself whether you are making a payment or simply logging into your device is neat, but what if someone is able to hold up your photograph? It isn’t just your face that is used for authentication. When you’re facing the camera of your mobile phone, you’re constantly blinking. The MasterCard identity check app authenticates you buy combining the data obtained from your unique facial expressions as well as the way you blink your eyes. If your eyes are not blinking at the time of taking the selfie, you won’t be authenticated.
92% of MasterCard identity check app test subjects preferred the new system to passwords when the company carried out a trial of its biometric software in the US as well as Netherlands.
Clicking a selfie to authenticate and make payments is also better than entering passwords because in order to enter passwords you may have to hide your phone if you’re sitting with someone and this can become awkward. Also, if you don’t want to reveal that you are clicking a selfie to make some sort of payment you can simply pretend that you are taking a selfie to post on Facebook or Instagram.