Biometric Payment

Biometric payments involve the use of biometric identifiers such as fingerprints, facial recognition, iris recognition, or heart rhythm to confirm the identities of buyers during the transaction process.

There are five promising biometric payment methods that can authenticate eCommerce transactions. Their functioning is briefly described below:

• Digital Fingerprinting: This technique employs a scanner to capture the user’s fingerprint digitally, with the original image being discarded while a fingerprint map is retained. Subsequent scans are compared against this digital map. Digital fingerprinting is presently the prevailing biometric method and is compatible with most mobile devices and mobile payment platforms like Apple Pay and Samsung Pay. Card networks are also exploring biometric-enabled cards.
• Facial Recognition: Similar to digital fingerprinting, facial recognition maps numerous distinct points on the user’s face to create a unique representation of the individual without storing the user’s actual image. This method has gained popularity, especially after the introduction of Face ID support in the iPhone X in late 2017.
• Voice Recognition: Voice recognition compares the user’s voice pattern to a pre-recorded sample. While not as distinctive as facial features or fingerprints, voice recognition offers affordability and non-intrusiveness compared to other methods. Additionally, more computers come equipped with built-in microphones than fingerprint scanners.
• Iris Scanning: Similar to fingerprints, the unique pattern of the human iris can be used for identification. Iris scanning is highly accurate at close range and can utilize the cameras found on most modern smartphones to map your irises, similar to fingerprint scanning.
• Palm Vein Mapping: A palm vein scan employs infrared light to map the distinct vein structures in your palm and then converts this data into encrypted code. As of 2022, palm mapping is relatively new and not yet widely adopted, but this may change with the development of iOS and Android applications.