the real fun is when they'll eventually make you look at an ad while paying, your eyes will HAVE to be open! new meaning to "eyeball" count for the ad sellers :)
Mastercard Launches Its Biometric Retail Payment System in Europe
31–40 of 50 posts
Re: Mastercard Launches Its Biometric Retail Payment System in Europe
#32I don't really see how this is a drastically better experience than tap to pay, NFC, Apple Pay, etc. It would feel odd to provide eye scans to everyday retailers, and then at some point, you have to worry about your eye scan being stolen, and you can't (easily) get a new eye afterwards, but you can replace all the payment methods that aren't your eyes.
The bottom line for MC is how quickly can they part you from your money? The core of their profit is still the transaction fee. It is to their advantage to reduce any impediment to you spending money. Even if 'fumbling with your card' is an awkward way to put it, those few seconds are still a moment when you could think, I'm not going to spend that money. You might decide to not get your card out.
Re: Mastercard Launches Its Biometric Retail Payment System in Europe
#33If I won’t give Amazon my palm print to pay at Whole Foods, why the f would I give Mastercard a pair of retinal scans? Seems like MC executives grew up on “Minority Report” and thought, damn this is a good idea!
Are retinal scans a big deal?
It requires a decent camera with very good optics or short distance from your eyes to get a meaningful identification, so your casual CCTV mass surveillance isn't a problem. If I want anonymity, irises are going to be very low on my list of potential worries.
Also, I consider those to be public data (just like my face, fingerprints, overall appearance, voice or DNA), because anyone willing within a reasonable proximity can get this data anyway and there's no stopping it. So, if some company wants to use that as an authenticator... well, that's a stupid idea that I would protest for anything sensitive (unauthorized access to which could actually cause me some griefs), but as long as it's not my liability (and for a credit card it is not - fraud disputes aren't fun but it's not my money either) they can do... whatever, I guess.
Or am I missing something?
Re: Mastercard Launches Its Biometric Retail Payment System in Europe
#34If I won’t give Amazon my palm print to pay at Whole Foods, why the f would I give Mastercard a pair of retinal scans? Seems like MC executives grew up on “Minority Report” and thought, damn this is a good idea!
Are retinal scans a big deal? It requires a decent camera with very good optics or short distance from your eyes to get a meaningful identification, so your casual CCTV mass surveillance isn't a problem. If I want anonymity, irises are going to be very low on my list of potential worries. Also, I consider those to be public data (just like my face, fingerprints, overall appearance, voice or DNA), because anyone willi…
You nailed it, we should not use public data for important things like this that could result in fraud.
Re: Mastercard Launches Its Biometric Retail Payment System in Europe
#35I don't really see how this is a drastically better experience than tap to pay, NFC, Apple Pay, etc. It would feel odd to provide eye scans to everyday retailers, and then at some point, you have to worry about your eye scan being stolen, and you can't (easily) get a new eye afterwards, but you can replace all the payment methods that aren't your eyes.
I'm guessing MasterCard is viewing this as a payment mechanism that only needs the physical customer as the payment authentication. If it's 0 friction (which I doubt), I could see people opting to just look at a camera to pay rather than fumbling to get your phone out. Fumbling with your phone sounds like a silly statement but so did fumbling with your wallet.
> Fumbling with your phone sounds like a silly statement but so did fumbling with your wallet.
I don't think people want to look away from their phones to do anything, least of all pass a retina scan. You don't even need to swipe away from TikTok to use Apple Pay.
Re: Mastercard Launches Its Biometric Retail Payment System in Europe
#36Once a colleague was able to unlock my pixel phone with face unlock - with his face. I'll never trust biometrics again.
Re: Mastercard Launches Its Biometric Retail Payment System in Europe
#37Earlier quoted context omitted.
With TSA precheck, you have to be fingerprinted, no?
Yes. State Dept already has my photo from my passport, fingerprints stored by DHS aren’t that much more (Global Entry specific). I trust federal agencies more than private corporations, having seen the inside of both.
Am I missing something? Aren't fingerprints a form of PII that everyone just leaves lying around on everything they touch? And that the government isn't really permitted to collect & catalog except as part of a criminal investigation (or a few other minor licensing hurdles like selling alcohol)?
Re: Mastercard Launches Its Biometric Retail Payment System in Europe
#38Earlier quoted context omitted.
Yes. State Dept already has my photo from my passport, fingerprints stored by DHS aren’t that much more (Global Entry specific). I trust federal agencies more than private corporations, having seen the inside of both.
Am I missing something? Aren't fingerprints a form of PII that everyone just leaves lying around on everything they touch? And that the government isn't really permitted to collect & catalog except as part of a criminal investigation (or a few other minor licensing hurdles like selling alcohol)?
Re: Mastercard Launches Its Biometric Retail Payment System in Europe
#39I don't really see how this is a drastically better experience than tap to pay, NFC, Apple Pay, etc. It would feel odd to provide eye scans to everyday retailers, and then at some point, you have to worry about your eye scan being stolen, and you can't (easily) get a new eye afterwards, but you can replace all the payment methods that aren't your eyes.
My guess - Poland is hint to this question. Poland was a little behind on the integrating Google/Apple Pay, so they have invented (via MC tech) a tokenized payments (BLIK). I guess because of its prevalence there are not too many people using NFC payments via phone, so MC wants to convince BLIK users to "upgrade" to this insecure atrocity (insecure because source image is generated by a simple selfie, proven to be insecure years ago). The advertisement for this crap is all over social networks.
Re: Mastercard Launches Its Biometric Retail Payment System in Europe
#40It's quite amusing what everyone got on to the retinal scans, completely ignoring the face bio.
Hint: it's already deployed and working and nobody wants your retinal scans, because it requires a more costly setup at the PoS.