Payment Card Identity

[hc4361]

Would it be possible for every debit and credit card holder to register a photo of themselves (somehow verified) so when a payment is made in store the photo is displayed to the cashier or webcam on self check outs?
Would anyone object to this if it could stop some of the card fraud?

[hc4361]

Me too, ummmm :)

[Zacs-Master]

‘the screen would be incorporated in to the card terminal - no added cost for the retailer‘

Apart from having to ditch the current terminal and buy a new one!

[hc4361]

They usually have to 'rent' them, ZM

[Zacs-Master]

Yes, that’s often the case. Do you think a terminal with this facility would be the same price as one without?

[hc4361]

Yes. The banks lose billions every year to fraud and they should help with the set up costs to save them money in the long term.

[Baldric]

Big Brother seems to be becoming more acceptable to some.

[hc4361]

You are already on camera every time you enter a shop, baldric, even in the corner shop.

[Zacs-Master]

1. The banks make billions in profit and have accepted that fraud is inevitable.
2. The banks wouldn’t be happy if the revenue stream were to be disrupted by what the customers may see as an infringement on their privacy.
3. As I’ve already stated, anything which makes purchasing something more complex won’t work.

Your idea is well meaning but doesn’t take into account the psychologically delicate customer interface process. Convenience is king.

[gingejbee]

hc....rather than asking your question on here (and getting lots of non-informed personal opinion) - how about asking the banks and credit card issuers and see what they say?

[hc4361]

Good point, ginge :) Will do

I'm not suggesting the photo should be on the card itself.

[Buenchico]

I'm no great fan of facial recognition technology. The scanners at Stansted Airport NEVER recognise my features, forcing me to queue twice (firstly to get rejected by the automatic system and then to have my passport checked by a human).

Perhaps I look Dutch? The scanners at Amsterdam Airport can recognise me!

[Jackdaw33]

As others have said, no. I am partially disabled and rely on my cleaner who does my shopping. She always takes my card with her.

[Hopkirk]

A tiny photo of someone on a card is a very poor way of checking someone's identity.

Put yourself in the position of the young shop worker who has to challenge someone because the photo doesn't look much like them. Add in a change of hairstyle, different glasses or some designer stubble and it's a nightmare

Add in the old almost racist line 'they all look the same to me' and it just wouldn't work.

[hc4361]

Hopkirk, in my vision the photo would not be on the card but stored 'in the cloud' and facial recognition technology could compare the stored image with the face on the webcam in a nano second. No store employee would need to be involved with verifying the identity and this could work with self scan checkouts and online shopping.

[Jackdaw33]

You still haven't addressed the problem of those who rely on others to do their shopping using their cards.

[hc4361]

I did, Jackdaw, I said that each cardholder could register a limited number of people to use their card, submitting their photo too.

[CrapAtCryptics]

You could always bank with Barclays they will put pretty much any picture on your card - I`ve had my ugly mug on mine for more than 5 years now.

[Hopkirk]

My photo on my driving licence doesn't look like me.

[Baldric]

// You are already on camera every time you enter a shop, baldric, even in the corner shop //

Gosh, you would have thought I'd have known that wouldn't you? ;o)

[ubasses]

@ hc4361, The banks will never agree to a third party using the card and having your PIN. Anybody doing so is in contravention of their terms and conditions, if any fraud occurs on the card no refund would be made under the negligence clause. You even put yorself in danger of having the cards removed or in extreme cases , your account closed.