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Facial Recognition AI — The Missing Security Link in Mobile Payment Apps

A user making payment through mobile payment app
Image by Markus Winkler from Pixabay
  • OTPs via email or SMS.
  • Mobile screen locks like pin, password, pattern, or biometric fingerprints.
  1. New User Signup — As the first step, the user can be asked to upload a selfie to the app during the signup process. The uploaded photograph can be stored as a reference image of the user. For those mobile payment apps, which also do KYC by asking users to upload pictures of their ID cards during signup, the user’s selfie photograph can be matched with the ID card pictures & be verified for accuracy.
  2. Authentication of Payments — While making payments, the app can take a photograph of the user and the user’s current photograph can be matched with the reference image that was stored during the signup process. This will make sure, no one else but the registered user is making payments through the app.
FaceQuest offers AI facial recognition tool. It can be used by mobile payment app companies & can be integrated via APIs
FaceQuest’s Face Verification Dashboard
  1. In storage solution, the mobile payment app companies can store the reference images of the user in the FaceQuest’s encrypted server, and whenever the user makes a payment, the mobile payment app can send the photograph to the FaceQuest server to match & verify it with the reference image using the face verification tool.
  2. In the non-storage solution, each time a user wants to make the payment, the business can send both the reference image & the current photograph of the user to FaceQuest server via API and get the verification result in a matter of seconds.



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