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Biometrics                                 In the 1980s, Admiral Kirk used retinal recognition to access information about
hot at                                     Project Genesis in Star Trek II: The Wrath of Kahn. He also engaged the starship
Money20/20                                 USS Enterprise in an auto-destruction sequence via voice authentication in Star
                                           Trek III: The Search for Spock.
Peggy Bekavac Olson                        Hollywood has regularly used biometrics-related special effects to fuel our
Strategic Marketing                        imaginations. Think about the antics of James Bond, Ethan Hunt, Jason Bourne,
                                           the X-Men, Mr. and Mrs. Smith, Maxwell Smart, The Terminator, The X-Men
M oney20/20, held in                       and Captain America. Tom Cruise's Minority Report character John Anderton
                 October in Las Vegas,     especially creeped me out when he underwent a risky eye transplant to avoid
                 is known as the world's   the city-wide optical recognition system.
                 largest payments and      Today, Mastercard seems to be leading the pack with several biometric pilots.
fintech event of the year. More than       It rolled out a pay-by-selfie service in a dozen European countries following
20 keynote speeches and 100 panel          a similar pilot in North America. And in March 2016, it launched selfie and
sessions organized by subject tracks       fingerprint biometric corporate credit cards in the United States and Canada
provided a plethora of learning            with BMO Financial Group.
opportunities this year. Plus, nearly      An authentication primer
300 vendors were on hand exhibiting        From a tech security standpoint, authentication is the process of determining
their wares.                               whether someone is, in fact, who he or she claims to be in order to prevent
                                           data compromise and theft. In the payments arena, authentication provides a
Having attended the conference the         barrier, thus combating fraud.
past few years and learned about the       Cardholder authentication comes in many forms. Store sales clerks are tasked
mobile explosion and bitcoin/block-        with visually inspecting cards to see if they appear to be legitimate. Clerks
chain innovation, I was eager to ex-
plore this year's latest technology is-                                                                                                        23
sues and advances.

Right away, I was fascinated by the
attention given to authentication, es-
pecially in the area of biometrics. The
number of vendors in the exhibit hall
touting finger, hand, face, retina, iris,
ECG (heartbeat) and voice recogni-
tion technologies, and more, was sur-
prising. So was talk about biometric
authentication innovation in many
panel sessions. Since I love spy, sci-
ence fiction, action, adventure and
fantasy genres, the hubbub around
biometrics made me giddy.

My introduction to biometrics, as
well as the technology's potential for
misuse, was as a child watching the
Mission: Impossible television series
during the late 1960s and early 1970s.
The secret agents of the Impossible
Missions Force were adept at faking
fingerprints to gain access to locked
or restricted rooms, safes and just
about anything else. They also em-
ployed lifelike prosthetic masks as
undercover disguises to trick unsus-
pecting family, friends and business
associates, as well as defeat facial rec-
ognition surveillance.
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