Card free
library membership
The other
day my daughter causally mentioned how she doesn’t have a membership card for
her school library. Instead she uses her thumbprint to manage her account, from
taking out and returning books to paying fines.
This got me
thinking about the plethora of cards I carry around in my wallet and how it
would be possible to do away with these at the swipe of a hand through
fingerprint technology. Imagine your hand became your bank card, credit card or
loyalty card with the benefit of always being with you 24/7. Now you could
argue your mobile phone is always with you too, so why not use this instead as
the capabilities for mobile payments grow. However unlike a fingerprint you run
the risk of losing or misplacing your mobile. And it’s just another ‘thing’ to
interact with.
Pay for
purchases using your fingerprints
Paytouch recently announced their biometric payment method as showcased at the
recent Next Web Conference, where users use two fingers to simply make
payments. For the consumer, there's no longer a need to carry a credit card;
for the retailer, it's able to encourage impulse buying in an entirely new way -
the whole process takes only about five seconds, and requires no passwords,
signatures, or pretty much anything other than two fingers.
However
it’s not an entirely new technology. A similarly named PayByTouch launched 6 years
ago around the same concept was quickly discredited as being reputedly run by the
criminally corrupt. There is also the
example of biometric
kiosks being
installed in rural Indian villages to help villagers obtain access to funds
through fingerprint scanners rather than ATM cards and PINs.
Many naysayers assert that biometric payment processes won’t work, as
the risk is too great from a security perspective. They say that unlike a
mobile phone you can’t just change to another device if the security is
breached. However criminals already target phones and credit cards that can be
skimmed, lost or stolen with database compromise said to be the most common
form of credit card theft. So the risk
isn’t really that much greater and could be mitigated through combination with
other security measures such as pin numbers or encrypted password protection.
Smartphones
leading the way
In fact Samsung’s
Galaxy S5 is the first smartphone that uses fingerprint to authorise payments
in stores and online. The Galaxy S5’s
payments system is the first commercial deployment of a new protocol developed
by the FIDO Alliance, a group founded by tech companies to end our reliance on
insecure passwords. Indeed, fingerprint readers are expected to become
commonplace on mobile devices over the next year or so.
“Today people are having to type in nine-digit passwords everywhere,
including one-handed on the subway,” says Joel Yarbrough, senior director of
global product solutions at PayPal. This leads many people to use simple
passwords and to reuse them across multiple services. This, in turn, makes it
easier for criminals to take control of accounts. “Building a smart biometric
experience solves both usability and dramatically increases the security
level,” says Yarbrough.
So who is to say the evolvement of this smart technology by mobile
manufacturers such as Samsung won’t in turn lend themselves to cutting out the
mobile phone all together? Whether it will come to fruition remains to be seen,
but the dreamer in me who likes simple elegant solutions is willing to give this
a double thumbs up.
(Extract of a blog originally posted on the service design consultancy we are experience website - http://www.weareexperience.com/).
(Extract of a blog originally posted on the service design consultancy we are experience website - http://www.weareexperience.com/).












