Use of Instant Citizen Identification
From 'Technology Making It Worse' by P Atkinson (27-Jul-16)

Banks have an eye for cardless ATMs that scan irises — Will ATMs soon be able to identify you by your eyes? (The Australian 27/10/2015)

Citigroup is testing new technology with automated teller machine maker Diebold that would allow customers to withdraw money with an eyeball scan or a code on a smartphone instead of a card swipe.

The new technology, set to be announced by Diebold overnight, is the latest foray by big banks to find easier, more secure ways for consumers to get their cash than the ATM card, a staple in consumers' wallets for decades.

Citigroup may decide not to retool its machines with this new wrinkle, and any mass rollout may be years away. Other big banks including JPMorgan, Chase and Bank of America, recently started internally testing their own card-less ATM technologies.

Citigroup's experiment involves a new kind of cash machine that lacks a screen or touchpad. Instead, customers would first check the bank's mobile app on their smartphone or tablet ahead of time to sign in and select how much money they want to withdraw. Then, they would approach the machine, which would quickly scan their iris to verify their identity. The machine, which connects to the mobile app, would spit out the right amount of cash.

JPMorgan showed off a card-less ATM during its investor day earlier this year but hasn't yet offered consumers a demonstration. A bank spokeswoman said it was also evaluating the use of voice and facial recognition technology. A Bank of America spokeswoman said the bank had tested card-less ATMs internally and would begin a customer pilot of them during the first half of next year. Similar features had already been rolled out at the ATMs of smaller banks, such as BMO Harris Bank, a Chicago-based unit of Canada's Bank of Montreal.

Now, interest from some of the largest US banks signals that more consumers may see the option. "Larger players sometimes like to wait on the sidelines a little longer to see if a product has merit before investing in it," analyst Daniel Van Dyke said.

It remains to be seen whether consumers who are suspicious of large financial institutions would be comfortable letting a bank scan their eyeballs regularly. Proponents say the new technologies may give banks a weapon in the fight against frauds that target ATM transactions.

Credit-scoring and analytics firm FICO said in May that the number of attacks on consumers' debit cards used at ATMs in roughly the first three months of the year hit the highest level in at least 20 years.

The new technology, by contrast, would not need a card, which means a card's information could not be skimmed by machines that are attached to ATMs. The new machines also do not have PIN pads that thieves have spied on using tiny cameras.

Cardless transactions take about 15 seconds to complete compared with around 45 seconds for more traditional transactions.

Retailers tap in to new pay vein — FORGET carrying a wallet. (The Courier-Mail 22/4/2014)

Soon all you may need is your hand to pay for goods. Advanced technology is being rolled out in Sweden that allows empty-handed consumers to buy goods using a tap of their palm.

Detection of a person's unique vein structure allows the shop to verify a person's ability to pay. Experts believe the alternative payment method will be handy for absent-minded people.

To use unique vein scanning information a person visits an outlet with the technology and scans their hand three times before registering their personal details. A text message is then sent to their mobile phone with an activation link to a website and payments are taken from the customer's bank account from then on.

Fingerprints

Touch Id — Made available on the Iphone 5S by Apple 10/10/2013

Forgot Your Purse? Scan a finger The Courier-Mail 28/4/2013 — THE days of being caught short at the till after forgetting your wallet could soon be-come a thing of the past. The brains behind this bio-metric terminal, which allows shoppers to pay for their wares using just their finger-prints, claim their machine is attracting interest from retailers across the globe.

Paytouch users link their credit card details to their fingerprints, letting them spend to their hearts' content without the need for PIN numbers, signatures, or even the card itself. Customers simply press two fingers on to a glass screen on the terminal to pay via their linked credit or debit card, doing away with the need to carry a card that could be lost, skimmed or stolen.

The fingerprint recognition system has "faultless identity verification", its Spanish creators said. According to Paytouch, its terminals are equipped with sensors to prevent the use of fake fingers. The gadget was introduced last year and is already attracting international interest.

In the short-term the firm is hoping to launch across Spain, before branching out into other European countries and the US. — Daily Mail

Face

Facial Recognition by Apple available on Iphone X from 3rd November 2017

PayPal now in shops (The Courier-Mail 15/11/2012) SHOPPERS will soon be able to pay in-store via their PayPal account using a new app that takes a human approach to facial recognition technology. Consumers who download the PayPal app to their smartphones will be able to use their account for purchases in stores which use the eBay-owned PayPal's proprietary payments software and hardware.

The card-free and cash-free technology requires buyers to upload a photo of themselves to their PayPal account. Sellers can then verify their identity and confirm that payment has been made via the PayPal "digital wallet".

Shoppers "check in" at the store via the app, then order and pay using their PayPal account.