MasterCard is preparing to launch new services payments from cell phones. Ονομάζονται pay-by-selfie και pay-by-fingerprint, και θα εμφανιστούν φέτος στον Καναδά, τις ΗΠΑ και το United Kingdom.
The company hopes to simplify the online shopping experience for MasterCard owners at a time when retailers are starting to make it much more complicated with additional security measures at the cashier.
Retailers in the United States and the United Kingdom apply security controls, such as 3D Secure and Verified by Visa, during the on-line ordering process. But in this way they make purchasing experience difficult, which can translate into loss of sales.
In the United Kingdom, 18 percent of online shoppers left their carts full due to "excessive security checks on payments" in 2012. And in the US, companies lost $ 118 billion in 2015 sales due to "false positives". transactions that were erroneously excluded by financial institutions because they could not detect errors.
Payments with selfie and with fingerprints bring a simpler alternative to these security checks at checkout.
The new feature is called biometric authentication, through a photo or from fingerprints αποτυπώματα ενός πελάτη και θα μπορούσε να αντικαταστήσει τους επαχθείς ελέγχους που χρησιμοποιούνται σήμερα.
The new MasterCard platform, which will come with the Indentity Check (app) application, will give its owners the option to pay with selfie, and as an alternative to their fingerprint.
MasterCard owners through financial institutions will be able to install the app on their mobile devices, but they will only work for their online purchases rather than in stores.