Biometrics in payment services: fingerprints, face, heart rate and blood in the finger
The founder of Alibaba Group at CeBIT in Germany introduced a new way of confirming payments using face recognition, and UK banks are testing heart rate monitors, fingerprint scanners and blood to authenticate users in financial services.
At CeBIT in Germany, Jack Ma bought a souvenir brand in an Alibaba store. To confirm the purchase, Ma scanned his face using the front camera of the smartphone. The founder of Alibaba noted that online payments are often a problem: people forget passwords, think about security. According to him, face recognition technology will help to forget about it. Smile to Pay is under construction.
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Alipay has 300 million Chinese users registered, more than half of users make purchases from mobile devices.
Halifax Bank is experiencing technology that allows you to identify a user of financial services by its heartbeat. The pulse is monitored by the Nymi Band fitness tracker. According to Mark Lin, director of the innovation and digital department of the bank, the use of an electrocardiogram “naturally provides strong protection against invasions and falsification.”
Apple relies on other options: the Pay service uses a fingerprint scanner that the iPhone and Watch are equipped with. The same scanners on Apple devices are used by the British banks RBS and NatWest - Touch ID, which allows customers not to enter a password to access online banking services.
Starting this year, a new method of identification will be available to Barclays corporate clients: a Hitachi biometric reader, which uses blood in the veins in the user's finger as a guide. To scan the device uses light in the near infrared spectrum. System developers point out the imperfection of fingerprint scanners.
At CeBIT in Germany, Jack Ma bought a souvenir brand in an Alibaba store. To confirm the purchase, Ma scanned his face using the front camera of the smartphone. The founder of Alibaba noted that online payments are often a problem: people forget passwords, think about security. According to him, face recognition technology will help to forget about it. Smile to Pay is under construction.
')
Alipay has 300 million Chinese users registered, more than half of users make purchases from mobile devices.
Halifax Bank is experiencing technology that allows you to identify a user of financial services by its heartbeat. The pulse is monitored by the Nymi Band fitness tracker. According to Mark Lin, director of the innovation and digital department of the bank, the use of an electrocardiogram “naturally provides strong protection against invasions and falsification.”
Apple relies on other options: the Pay service uses a fingerprint scanner that the iPhone and Watch are equipped with. The same scanners on Apple devices are used by the British banks RBS and NatWest - Touch ID, which allows customers not to enter a password to access online banking services.
Starting this year, a new method of identification will be available to Barclays corporate clients: a Hitachi biometric reader, which uses blood in the veins in the user's finger as a guide. To scan the device uses light in the near infrared spectrum. System developers point out the imperfection of fingerprint scanners.
Source: https://habr.com/ru/post/374773/
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