this post was submitted on 21 May 2024
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Forget swiping your card - thanks to a banner year for biometric payments, with JPMorgan and Mastercard joining the fray, paying with your face could soon be your new reality.

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[–] snooggums@midwest.social 85 points 5 months ago (9 children)

What problem is this solving?

[–] _sideffect@lemmy.world 73 points 5 months ago (1 children)

Them not having enough facial data from us

[–] Gamoc@lemmy.world 3 points 5 months ago

But there's already so much facial porn!

[–] barsquid@lemmy.world 25 points 5 months ago

Not enough data being collected from credit card use to link your identity to video streams from retailers.

[–] Fredselfish@lemmy.world 19 points 5 months ago (1 children)

Great Mastercard and JP Morgan making it easier for someone to rob you. Imagine them taking your pic and using it to make payments. This dystopia.

[–] Tetsuo@jlai.lu 8 points 5 months ago (1 children)

I suppose there is a security system to prevent just presenting a pic to the cam. But I agree that we shouldn't trust it.

In any case, biometrics are bad to authenticate people. What's the point of a key you can't replace/change...

[–] Fredselfish@lemmy.world 3 points 5 months ago

What happens if you get haircut or get zits etc? So much could make this not work. You know amount customers I have turn away because they come in wanting to use their phone to tap to pay.

Like come on people it's a cool feature but why not carry your card for backup? Not every store except those.

[–] chrash0@lemmy.world 13 points 5 months ago

if it’s easier to pay, people spend more

[–] eatthecake@lemmy.world 12 points 5 months ago

The tech world wants the easy money made from payment processing, as well as all the data they can get.

[–] rdyoung@lemmy.world 12 points 5 months ago
[–] Hello_there@kbin.social 11 points 5 months ago

I'm more upset by the word 'Resto' in the title

[–] webghost0101@sopuli.xyz 5 points 5 months ago* (last edited 5 months ago) (1 children)

Dystopian depression?

Before long every cashier is going to request a smile from you, scripted as the most friendly way to say “please let me shov this scanner on your face”

The psychological effect of being requested to smile every time you make a purchase will reinforce your behavior to purchase more and appear less miserable keeping up the illusion that everything is cool and normal.

I am just talking from my ass but gotta remember that the ceos species have their asshole below their nose.

[–] Sabata11792@kbin.social 5 points 5 months ago

You can get 10% off if you drink a verification can in front of scanner.

[–] AnAmericanPotato@programming.dev 2 points 5 months ago (1 children)

The "problem" of having more people than we have meaningful work for. This is not a new problem, but it is increasingly exacerbated by automation. So we manufacture bullshit work just to keep busy, because we've decided people shouldn't have food or shelter if they're not doing work, bullshit or not.

The world would be better off if whoever got paid to plan and implement this instead got paid to just stay in bed. The economy is fundamentally broken.

[–] glimse@lemmy.world 9 points 5 months ago (1 children)

I wholly agree with your overall point but that's not why this exists. The ruling class is not so benevolent to give people jobs just to make sure they're fed - they don't care. This technology exists because it's good for the shareholders. Data - and control of said data - is valuable and their bosses want it. It's all about profits and consolidated power - this job would not exist if not for its benefit to the ruling class.

"Bullshit work" is stuff like paper pushing and those are the jobs that are disappearing with automation.

[–] AnAmericanPotato@programming.dev 1 points 5 months ago* (last edited 5 months ago)

You're right, but I think there's a lot of overlap here. Large businesses are not laser-focused and are not rational actors.

Someone pitched this as a way to make money. Someone believed that was plausible and approved it. But the motivation for even pitching it was likely a step or two removed from that.

Executives and middle managers are not above bullshitting to justify their salaries.

[–] CalcProgrammer1@lemmy.ml 59 points 5 months ago (3 children)

Is it so hard to just pay using credit cards? Why do we need dystopian biometric nonsense feeding the data mines in order to pay for food? Paying for stuff is a solved problem. Fuck everything about this.

[–] Grimy@lemmy.world -1 points 5 months ago

I used to say the same about cash but really, anything that makes my life easier I end up enjoying.

I whittled myself down from a fat wallet to one card on me and one in my car. I still sometimes forget it or lose it so I wouldn't mind it being permanently attached to my face but don't get me wrong, I really don't need it either.

In terms of data mining, I don't really see what more they can get? Maybe makeup habits for women or eye reflection to see who else is with you but that seems a bit intense. All the financial data, they already have if using a card.

Seriously though, boggles my mind that there isn't more data protection relating to banking. It shouldn't even be an issue, none of that data should be touched.

[–] TORFdot0@lemmy.world -2 points 5 months ago (2 children)

Paying with credentials that can’t easily be spoofed means a meteoric amount of money saved for payment processors from fraud due to insecure payment methods

[–] burgersc12@mander.xyz 7 points 5 months ago (1 children)

Facial recognition is somewhat unreliable. I remember when Samsung had to update their phones because photos of people were able to unlock their devices, and even people who just "looked similar" were able to access them.

[–] TORFdot0@lemmy.world 0 points 5 months ago

Depending on the implementation it can be unreliable. More modern methods use 3D scans which can’t be fooled by a photo.

[–] darkkite@lemmy.ml 3 points 5 months ago

combine card with 2fa on mobile or confirm via sms would solve most problems

[–] Tier1BuildABear@lemmy.world 20 points 5 months ago

My face unlocks my brother's phone lmao this isn't a good idea

[–] MedicPigBabySaver@lemmy.world 17 points 5 months ago

Fuck that. Tap and pay is just as simple.

[–] Holyginz@lemmy.world 15 points 5 months ago

This is a terrible fucking idea.

[–] ShittyBeatlesFCPres@lemmy.world 15 points 5 months ago

I literally couldn’t login to IRS.gov this year because the facial recognition software powering login.gov kept failing. And I recently got a new driver’s license, renewed my Global Entry (whose facial recognition system does work), have a passport, etc.

I have no idea what picture of me the government or vendor running login.gov is trying to match me with but I’m pretty sure I didn’t change my face recently.

[–] vox@sopuli.xyz 15 points 5 months ago* (last edited 5 months ago)

privatbank has a similar feature in Ukraine, noone uses it lol
don't get why anyone would ever want this, when you can just tap your phone w google pay

[–] Veedem@lemmy.world 14 points 5 months ago

Nicholas Cage is about to have access to that Travolta fortune.

[–] xlash123@sh.itjust.works 13 points 5 months ago

Dang it, I left my face at home

[–] 1hitsong@lemmy.ml 9 points 5 months ago
[–] HipsterTenZero@dormi.zone 6 points 5 months ago

i have a funny idea, what if we dont do this instead

[–] Aatube@kbin.melroy.org 4 points 5 months ago

Why not just use a fingerprint?

[–] monsterlynn@kbin.social 3 points 5 months ago

In Soviet Russia, Beast is marked by YOU.

[–] captainlezbian@lemmy.world 1 points 5 months ago

That’s dystopian.

I propose Californians no longer be allowed speculative fiction. They keep turning warnings into reality

[–] werefreeatlast@lemmy.world 1 points 5 months ago

Wrinkles give you free shit now? 😲 I love the future!

But actually ma'am, I don't like this wireless keyboard board and would like a refund. I don't have a receipt. Look, it was an online purchase and I was home alone, I can show you the thing in my email! Oh you need biometric? Look I used my penis, could we, just skip this part? Okay fine, just give me a that towel over there. Click .. here, here's my penis in your app, happy?

[–] EncryptKeeper@lemmy.world 1 points 5 months ago

I got an email from USAA yesterday excitedly telling me about their new voice ID feature. You can now contact them over the phone and manage your account with fewer security questions by having your voice analyzed. What could go wrong.