Keying in passwords and showing physical identification cards, like a passport or license, to confirm that we are who we say we are, has been a common practice for quite some time now. But the ubiquity of mobile devices is causing companies to re-think how they go about obtaining verification from customers. And the focus is on simple, user-friendly approaches.
“… the newly unveiled “Trust API” password replacement project is supposed to be even more advanced, secure and easy to use. Reports say the technology will be constantly operating in the background of your smartphone, combining data from multiple sensors to calculate whether to unlock for the owner or block out intruders. The phone would even be able to differentiate your screen swiping style from that of someone else, according to reports.”
Meanwhile, Mastercard is turning to biometrics for authentication.
Lucova’s solutions leverage a customer’s selfie stored in their app, which automatically gets picked up by a merchant’s POS within close proximity, along with the visual/in-person verification from a staff member that the match is valid to carry out hands free mobile payments.
The methods taken by different companies may vary, but the key facilitator in all the scenarios is an individual’s mobile device.