Thursday , September 21 2017
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MasterCard Application Allowing Payment Through Selfies

It seems that people are getting lazier and lazier as technology progresses. I think the first instance I recognized this in was when the talk text feature was introduced into smartphones, where you can click on the microphone option, talk to your phone, and it will put on the screen what you just said to the best of it’s abilities. It is lazy, but at the end of the day, it is not so bad. However, what happens when this technology gets mixed in with things like payment methods? My biggest pet peeve is the “tap” feature that some if not all banking companies have for their cards now. For those living under a rock, what you do with this is simply tap the debit/credit terminal with your card and the payment gets processed right away. A lot of people seem to like this feature, but I think it is an absolutely awful idea. I guess I am one of the few paranoid enough to think about this, but what if someone sees you tap your credit card on this machine and then tries to swipe it off of you? Sure you can cancel it, but you need to go through the trouble of cancelling it and hope to heaven that they do not get the chance to purchase anything expensive during their little get away. Anyway, enough about that, let’s talk about the newest thing on the rise that is really starting to make my blood boil. It involves MasterCard, and an application that will be coming to mobile devices.

What if I told you that you may not even need to enter your credit card information anymore to pay for things? Well, you are likely going to answer that such a thing already exists, that being the tap feature. Alright, new question then. What if I told you that you would not need to even have the physical card in your possession any more to pay for things? Have I got your attention now?

That’s right. MasterCard has announced an application they will be releasing which will allow customers to pay for things by simply blinking at the device. This works by converting the image of someone’s eyes and face into code, which will then dictate the owner of the card.

I cannot believe what these new devices are doing to people and companies all over the world. Is  a four digit password that separates you and potential thieves from a significant amount of your money that hard to remember? I guess now is the time where I explain the many flaws I see in creating a product like this. The first is similar looking people. While I understand that people may look similar but not the same, my main argument here is identical twins. Unlike many families who have them, not all the time are as nice to each other as we would like to believe. One mistaken Identity from the application and the twin now gains access to their entire credit card. The next problem I have with this is mixing up names. There are a lot of people with the same names on credit cards, the only thing that differentiates them is the codes and expiry dates on the card. Maybe MasterCard’s informational system is more complex than I am willing to give credit for, but I could see some easy mix ups there too. My next point against this, and probably the most important one of all is the creativity of criminals out there. What I mean by this is that people are lazy out there, and will always find a way around the systems that we devise to keep information safe. For example, people probably thought it was fool proof to give each banking card a password that only the one person knows right? Well, then someone came up with the idea of pointing security cameras at unsuspecting customers while they were inputting their passwords, and all of a sudden, two thousand dollars or more is missing. My very last point against this is simple. Glitches. I do not care how tested a certain technology is before it’s release, there has never been something released without some kind of glitch being exposed. Having trouble thinking of a few? No need. Allow me, it will be my pleasure. How about the infamous red rings of death on the Xbox 360? The Yellow light of death on the PlayStation 3? The never ending flashlight on the various streams of IPhones? The easily hacked keyboard on the Samsung Galaxy during updates? Just about any laptop to ever exist crashing and deleting all the hard work that someone has done ? Just you wait, there may not be any signs of it yet, but I guarantee that there will be some kind of glitch with the Apple IWatch. If all of these devices made by extremely wealthy companies are able to glitch, why on earth would an application by MasterCard be exempt? I hope this has really made my point clear.

I could be totally wrong on the matter, and I am definitely open to having a new perspective on it, but I one hundred percent do not agree with this one bit. I do agree that this method is slightly safer than the tap feature, since there is some sense of individuality to it, but I really wish that it was not a reality. As technology progresses further and further like this, credit companies will likely start to become less understanding when it comes to things like theft or fraud, because they may see it as the chance of these instances happening be abysmally low. I know that I am only one person, and there may be others who have heard about the upcoming application and disagree with it as well, but I believe that there is only a matter of time before this application becomes a reality, and the way to pay online for items will become even easier. I sincerely hope that MasterCard creates this application with extreme care.

About Kerry Dennison

Kerry Dennison
Kerry is a person who enjoys writing & storytelling. When he's not writing, you can either find him playing Mario Kart wii with his friends or spending time in the gym, as gaming and powerlifting are other hobbies of his. Contact Kerry: kerry.dennison@youthindependent.com