commerce et digital

Selfies, those indefatigable hallmarks of social media, will soon be good for more than just advertising your vanity. On Tuesday at Mobile World Congress, payments processor MasterCard announced a worldwide expansion of the “selfie pay” it debuted last year. “Selfie pay” is a bit of a misnomer. Instead of, say, letting you order takeout with a mugshot, MasterCard’s mechanism acts as a security check, authorizing usage of a credit card you’ve previously saved to your phone or tablet. Here’s how it works: you download MasterCard’s Identity Check mobile app to your handheld, point the device’s front-facing camera towards you, and snap a pic. MasterCard says its gone to great lengths to ensure the system isn’t easily fooled: its algorithms can tell the difference between you and a video recording, and you’re required to perform a “liveness” test — blinking your eyes — before selfie check will let you snap a photo. And that’s in addition to MasterCard’s other safeguards, MasterCard’s President of Enterprise Security Solutions Ajay Bhalla told The Verge. “We will have a lot of information about your transaction,” he said. “Where are you, where are the goods getting shipped, what is your location.” Related: MasterCard thinks you want to pay with your face Selfie pay will roll out to Identity Check users in more than a dozen countries including the U.S., Canada U.K. later this year, MasterCard says. The expansion follows a successful trial last year involving the California-based First Tech Federal Credit Union and the Children’s Miracle Network Hospitals. Pilot members came away with quite positive impressions, MasterCard says: more than 90 percent said they could see themselves using selfie pay or a similar form of biometric authentication “every day,” and 86 percent found it easier than entering a password or PIN. If selfie pay still sounds like a big hoop to jump through every time you want to buy an app or rent a movie, not to worry — it’s optional. On supported devices like the iPhone 6 and 6S, Identity Check will let you alternatively authenticate with a fingerprint. And more broadly speaking, selfie pay’s less intended as a broad brush than a solution for services that require the additional layer of security afforded by biometrics: it’ll initially be limited to online retailers, MasterCard’s senior vice president of U.S. enterprise solutions Catherine Murchie told the Chicago Tribune. Related: Ditch that debit card: eye-scanning tech is coming to the next generation of ATMs But selfies are just the beginning. MasterCard’s actively experimenting with wilder forms of biometric authentication. One possibility is electrocardiogram (heartbeat) recognition. The company’s conducted consumer trials with the Nymi Band, a heart rate tracker, in Canada and the Netherlands. Its biggest advantage over selfies and fingerprints, Bhalla told The Verge, is its immediacy. “It’s constant authentication,” Users literally don’t have to lift a finger; readings are taken continuously in the background. “This technology can reside in your watch, can reside in any other wearable.” Heartbeat recognition’s at least a few years off — it lacks the infrastructure to support it, Bhalla says — and so MasterCard’s hedging its bets, working on iris scanning and voice recognition tech in the meantime. As for selfie authentication, the company says it’ll hit users’ phones in the coming months. Also watch: MasterCard Brings Payments to Connected Devices Please enable Javascript to watch this video

Bien gérer la conversation entre sa marque et ses clients sur les réseaux sociaux, anticiper une crise ou créer un buzz... difficile de faire l'impasse sur une social room. Comment se lancer?

Via Sophie Mesrouze

Si les enjeux d'un rapprochement des départements ventes et marketing sont cruciaux, le chemin à parcourir est encore long.

Pour + de contenus : http://www.ebg.net Dans le cadre de la "Matinée de l'Omnicanal" : http://bit.ly/1Kvm3IX Interview de Guillaume Gibault, Fondateur de L

Payments giant MasterCard has said it plans to accept selfies and fingerprints as an alternative to passwords and codes to accept online payments. MasterCard, which has its global R&D headquarters in Dublin, announced the development at Mobile World Congress and said it plans to roll it out this summer in the UK, US, Canada, the Netherlands, Belgium, Spain, Italy, France, Germany, Switzerland, Norway, Sweden, Finland and Denmark. The system will require users to download a specific app to their PC, tablet or smartphone. The system, which only kicks in when further authentication is required, will ask users to look at their phone’s camera or use the phone’s fingerprint sensor to verify their identity rather than a password. To prove the person is real and it’s not just a photo, the person will be asked to blink into their camera while taking the selfie. Picture this: the future of payments is biometrics Currently, MasterCard provides a two-factor authentication service called SecureCode, which requires an additional password while shopping online and was used in 3bn transactions last year. MasterCard is banking on the popularity of selfies among today’s youth as a way of encouraging the take-up of more seamless online payments. Apple Pay ignited a payments revolution by making use of the iPhone’s fingerprint scanner as a way of validating payments, and rival services like Samsung Pay and Google’s Android Pay have followed suit. While both Windows 10 and Google’s Android operating system allow users to unlock devices by looking at the cameras, MasterCard will be the first to allow users to use selfies to verify payments. The MasterCard face payments initiative is being spearheaded by Ajah Bhalla, president of Enterprise Security Solutions at MasterCard, who led the initial rollout of contactless payments in 14 Asian markets. Going Dutch: the early adopters love selfie payments One of the first countries to experience the technology is the Netherlands where Dutch consumers are open to biometrics instead of passwords. Some 750 ABN AMRO cardholders used biometrics like selfies and fingerprint payments for the past six months without passwords or confirmation codes. After the pilot, the vast majority want to continue using a fingerprint and/or facial recognition (75pc) to complete a payment. “The Dutch consumer is very progressive in embracing new technologies. Our country is the international leader in easy, safe and efficient payments,” said Arjan Bol, country manager of MasterCard Netherlands. “We are now examining the possibilities to integrate our technology in the banking and tech giants’ apps to make payment using a selfie or fingerprint even easier.” Of those surveyed, 95pc of the fingerprint users and 80pc of the facial recognition users indicated that shopping became more convenient using biometric authentication. “Biometrics, unlike passwords, ensures convenience. People forget passwords, making the payment process unnecessarily long and complex, so we expect that passwords will slowly become obsolete in favour of a more user-friendly alternative, such as biometrical identification,” said André IJbema, manager of risk management at International Card Services for Mastercard. Selfie image via Shutterstock

La reconnaissance faciale peut servir à bien des choses mais vous êtes seulement déjà dit, en regardant quelqu'un, ou vous-même : "tiens, on dirait que cette personne aurait envie de manger un Boxmaster ?" Non ? Jamais ? Pourtant, il semblerait qu'il y ait une relation entre votre visage et ce que vous aimeriez manger. C'est du moins que ce Baidu et KFC essaient de faire en Chine.

Via Georges-Edouard DIAS, Elsa Viardet-Merlevede

Pour + de contenus : http://www.ebg.net/jgm2016 Nicolas Levi Head of Payments and Mobile Financial Services Orange France Read more a