Pilot Program MasterCard will online shoppers

The selfie will soon be just as important for safety as it is for sharing on social networks like Facebook and Instagram.

We want to identify people for who they are, not what they remember," said Ajay Bhalla, President of Enterprise Security Solutions at Mastercard. "We have too many passwords to remember and this creates extra problems for consumers and businesses.

Privacy experts are still skeptical about the process as MasterCard is still transmitting the data to their network, rather than keep the authentication on the device. This could potentially open up MasterCard to a hack in the future.

MasterCard initially created a SecureCode to help verify a customer's identity before an online transaction is completed to reduce fraud. When you're ready to checkout, a pop-up window appears asking you to enter a password, but SecureCode has been unpopular as complex pass codes can be difficult to remember.



MasterCard is in talks with two major banks and the leading Smartphone manufacturers, including Apple, Google, Microsoft, BlackBerry and Samsung to deploy this new service.

Microsoft is also introducing new ways to log into PCs with Windows 10. Windows Hello will allow users to authenticate themselves using a facial scan or fingerprint. Microsoft requires new 3D depth-sensing cameras for its Windows Hello face scan to keep things secure.