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Stories about queues for registration of biometric passports are now accompanied by stories about how many nerves people spend on picking them up.
The increased demand for biometrics after the abolition of the visa regime between Ukraine and the EU, additionally “warmed up” by the vacation season, has led to the fact that cannot receive documents to travel abroad within the promised time frame. For many, rest is threatened, someone has to completely abandon vouchers and purchased tickets.
The next stage of the general "biometrization" is the use in personal identification in the financial sector. Forewarned is forearmed. Let's prepare the sleigh in the summer))
On July 28, 1858, fingerprints were first used for personal identification in forensic science. In one of the prisons in India, with their help, they began to determine the identity of the criminal. Since then, fingerprints have been used for a variety of purposes, from smartphone activation to passport control at border crossings.
Modern biometric identification methods use different techniques: from heartbeat to voice recognition. But the most popular is the fingerprint. Below are the most common methods that are used in the financial sector, most often for confirming payments.
Method number 1
The most popular service that uses a fingerprint to verify a payment is Apple Pay. The service was launched in October 2014. Today it is available on all modern Apple phones, starting with the iPhone 6. The fingerprint scanner is located under a single button on the front of the smartphone. All you need to confirm the transaction is to click on it.
A fingerprint can serve not only as a password, but also as a full-fledged payment tool. WorldPay offers to install scanners in supermarkets and directly bind a fingerprint to a bank card. Customers will be able to pay for goods with one touch.
Method number 2
The voice recognition system is being actively implemented in call-centers of banks. This authentication model allows you to verify the identity of the caller without a code word that is often forgotten. To do this, the system refers to the bank's archive and compares the caller's voice with the original, which was recorded during the opening of the account.
This system is already used in various banks around the world - from North America to Hong Kong.
An interesting format for using voice was offered by Wells Fargo, the largest bank in the United States. As part of the experiment, users of the mobile application were asked to test voice identification for entering mobile banking.
Method number 3
Face recognition can be done both online and in a traditional store. Finnish startup Uniqul proposed a similar system back in 2013. She scans the face of the buyer at the checkout of the store, verifies it with the original in the database and transfers the payment data for payment. In this case, the user does not even need to take out the wallet. The details of his card are stored in the system. The same technology was tested by the Japanese corporation NEC. A face recognition ATM has already been created in China. And Mastercard has launched selfie payments in Europe, the United States and other countries.
Method number 4
The Japanese smartphone maker Fujitsu in the summer of 2015 offered a system that allows you to pay for purchases by sight. A scanner appeared in mobile phones that turned the retina into a password. And the British Railways will scan the retina of the passenger's eye to let him go on the desired flight.
Method number 5
The rhythm of the heartbeats is also unique. He, like fingerprints, is almost impossible to repeat. Modern fitness bracelets are capable of recognizing electrocardiographic signals. Several electronics manufacturers have already seen the potential of their devices in banking.
For example, the Canadian manufacturer Bionym is testing the Nymi bracelet in cooperation with the British bank Halifax. A unique heart rate indicator is used to access internet banking. The device also provides payment functionality.
In addition to these methods, arm vein reading, behavior analysis, brain signals, and even auricle scan can be used to confirm identity.
And some statistics ...
56% of Internet users in the UK prefer to use biometric authentication methods over traditional digital banking passwords.
The increased demand for biometrics after the abolition of the visa regime between Ukraine and the EU, additionally “warmed up” by the vacation season, has led to the fact that cannot receive documents to travel abroad within the promised time frame. For many, rest is threatened, someone has to completely abandon vouchers and purchased tickets.
The next stage of the general "biometrization" is the use in personal identification in the financial sector. Forewarned is forearmed. Let's prepare the sleigh in the summer))
On July 28, 1858, fingerprints were first used for personal identification in forensic science. In one of the prisons in India, with their help, they began to determine the identity of the criminal. Since then, fingerprints have been used for a variety of purposes, from smartphone activation to passport control at border crossings.
Modern biometric identification methods use different techniques: from heartbeat to voice recognition. But the most popular is the fingerprint. Below are the most common methods that are used in the financial sector, most often for confirming payments.
Method number 1
The most popular service that uses a fingerprint to verify a payment is Apple Pay. The service was launched in October 2014. Today it is available on all modern Apple phones, starting with the iPhone 6. The fingerprint scanner is located under a single button on the front of the smartphone. All you need to confirm the transaction is to click on it.
A fingerprint can serve not only as a password, but also as a full-fledged payment tool. WorldPay offers to install scanners in supermarkets and directly bind a fingerprint to a bank card. Customers will be able to pay for goods with one touch.
Method number 2
The voice recognition system is being actively implemented in call-centers of banks. This authentication model allows you to verify the identity of the caller without a code word that is often forgotten. To do this, the system refers to the bank's archive and compares the caller's voice with the original, which was recorded during the opening of the account.
This system is already used in various banks around the world - from North America to Hong Kong.
An interesting format for using voice was offered by Wells Fargo, the largest bank in the United States. As part of the experiment, users of the mobile application were asked to test voice identification for entering mobile banking.
Method number 3
Face recognition can be done both online and in a traditional store. Finnish startup Uniqul proposed a similar system back in 2013. She scans the face of the buyer at the checkout of the store, verifies it with the original in the database and transfers the payment data for payment. In this case, the user does not even need to take out the wallet. The details of his card are stored in the system. The same technology was tested by the Japanese corporation NEC. A face recognition ATM has already been created in China. And Mastercard has launched selfie payments in Europe, the United States and other countries.
Method number 4
The Japanese smartphone maker Fujitsu in the summer of 2015 offered a system that allows you to pay for purchases by sight. A scanner appeared in mobile phones that turned the retina into a password. And the British Railways will scan the retina of the passenger's eye to let him go on the desired flight.
Method number 5
The rhythm of the heartbeats is also unique. He, like fingerprints, is almost impossible to repeat. Modern fitness bracelets are capable of recognizing electrocardiographic signals. Several electronics manufacturers have already seen the potential of their devices in banking.
For example, the Canadian manufacturer Bionym is testing the Nymi bracelet in cooperation with the British bank Halifax. A unique heart rate indicator is used to access internet banking. The device also provides payment functionality.
In addition to these methods, arm vein reading, behavior analysis, brain signals, and even auricle scan can be used to confirm identity.
And some statistics ...
56% of Internet users in the UK prefer to use biometric authentication methods over traditional digital banking passwords.
