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万事达卡生物识别技术即将进入英国市场

国际资讯基于互联网平台的金融业务

万事达卡生物识别技术即将进入英国市场

目前,万事达卡公司正在南非进行一项全新的防欺诈实验,希望将芯片技术与指纹扫描仪合成到一个生物识别卡中,帮助用户提高账户安全度。

市场普遍认为,《欧盟支付修订法案》(PSD2)在引导预防金融欺诈方面一直走在行业领先地位。因为该法案要求对市场交易进行双重身份验证,除最基础的密码保障外,还要验证用户的手机号码,或者面部特征/手指指纹。

行业内部人士预计,明年该法案生效之后,约有25%的在线销售需要进行双重身份验证才能完成交易,而目前这一比例只有1%到2%。

据了解,目前万事达卡正在与其银行合作伙伴进行洽谈,希望未来能将这一技术引入英国这个金融科技发展的前沿阵地。

 

 

Mastercard is exploring the possibility of trialling its fingerprint-scanning cards in the UK, as the second Payment Services Directive (PSD2) rears its head on financial fraud.

Currently under trial in South Africa, Mastercard's biometric card combines chip technology with a fingerprint scanner on the card's top right corner to verify the cardholder's identity when making purchases in-store or online.

A spokesperson for Mastercard said that it is in talks with all of its banking partners to see if those trials can expand to the UK soon, and while nothing is on the immediate horizon, "we're ready for a pilot and we'd love one" to happen.

The card issuer has predicted that 1 in 4 online sales will require identity authentication to complete a transaction after the regulation comes into force next year, up from just 1-2 per cent of transactions today.

PSD2 will require more everyday transactions to be subject to two-factor authentication, usually involving a user's mobile phone or a scan of their face or fingerprint, on top of the usual password to secure payments.

It will also apply further checks to contactless payments, asking the user to enter their PIN (or in newer cases, use their fingerprint) to verify every fifth transaction made on the card.

Ajay Bhalla, president of global enterprise risk and security at Mastercard, said:

"The use of passwords to authenticate someone is woefully outdated, with consumers forgetting them and retailers facing abandoned shopping baskets.

"In payments technology this is something we’re closing in on as we move from cash to card, password to thumbprint, and beyond to innovative technologies such as artificial intelligence. It’s far easier to authenticate with a thumbprint or a selfie, and it’s safer too."


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