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MasterCard Begins Selfie Password Trial

You might have heard of Emoji pin numbers, but what about Selfies to verify your payments?

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That’s right, MasterCard are planning to use facial recognition software to allow you to make online payments.

The testing phase has already begun for these powerful selfies, so how does it work?

Like many debit and credit cards, whenever you make a payment online it’s not just as simple as popping in your card details. You normally have to verify yourself in at least one other way, whether it’s confirming a text with a One Time Pass code or whether it’s done by a secret password, you can’t just go spending your money without confirming you are who you say you are.

Instead of all this faff, MasterCard want to allow people to take a quick photo at this stage and get their online shopping done. 

Those taking part in the testing phase have downloaded the MasterCard app and have taken photos of their face for use. The app then applies some voodoo magic to that photo using facial recognition and it manages to translate the entire image into 1s and 0s. 

This code of 1s and 0s is then sent back to MasterCard where it is compared to another code which it has to match in order for that purchase to be approved.

I assume,  as a MasterCard customer, you would have to set up a photo with them and have them code your face initially, but after that you should be able to go wild and snap as you shop. 

For those more conspiring among us, according to the MasterCard executive Ajay Bhalla, the technology is not able to reconstruct your face from the code of 1s and 0s, so your identity is safely under lock and key. 

The company is also rumoured to be dabbling in fingerprint scanning and voice recognition for another trial later this year. How futuristic is this? 

This really could be perfect for me. Remembering passwords isn’t my forte and as I begin to own more and more social media accounts as well as several credit cards and debit cards – well I might have to invest in a MasterCard next time because one more code to remember could just break this camel’s back.

And it's not just me, we’ve all forgotten passwords. Most of us have probably experienced a password being stolen or an account being hacked before as well. This new MasterCard technology could seriously prevent a lot of theft and damage.

I just can't help but wonder what happens if you have an identical twin?


Megan Herdson
Megan is a country girl who moved to the city with some big dreams. She is studying her MA in Creative Writing whilst also managing an American Football Team.  She loves her blog and wants nothing more than to have her words read. That and to win the Championship, obviously. Follow her @MeganAtSMF

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MasterCard Begins Selfie Password Trial Reviewed by Megan Herdson on Sunday, July 05, 2015 Rating: 5

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