Google testing biometric fingerprint payments for desktop

20 august 2020

After adding biometric credit card authentication and touch-to-fill support for Android, Google is currently testing biometric fingerprint payment features for desktop, writes Techtsp.

Google is testing native apps-like one-tap biometric payment capabilities dubbed Secure Payment Confirmation on the desktop. These capabilities will be available to Chrome users in the coming months. Google is working with a payment processing platform Stripe to pilot a new experimental prototype, Techtsp has learned.


Google’s prototype is being built on top of 3D Secure 2.0 authentication for credit card payments through Stripe. The goal of the pilot experiment is to validate the fingerprint enrollment and checkout user experience.

Well, 3D Secure (3DS) authentication for card payments relies on biometric inputs in native applications such as Google Pay and many other Internet banking applications.

Google wants to provide users with similar biometric payment experience in Chrome across devices including the desktop. This is where Google’s WebAuthn to Pay can come in handy.

„Today, 3D Secure (3DS) authentication for card payments relies on fingerprinting techniques that browsers are actively trying to remove because they are prone to abuse by malicious trackers that harm a user’s privacy. The alternative of upfront authentication has not been feasible thus far due to high user friction involved. The WebAuthn to Pay proposal puts forth a vision of a one tap to pay flow that can provide the ideal combination of secure and low-friction authentication needed to replace fingerprinting in 3DS. In the long run, this enables secure tap-to-pay everywhere on the web,” the pilot proposal reads.

The goal of the pilot experiment is to validate the enrollment and checkout authentication user experience. In a technical document seen by Techtsp, Google and Stripe engineers have described their pilot experiment as follows:

“A proposed experiment between Chrome and Stripe that involves building a prototype of Secure Payment Confirmation and testing it on a small fraction of production traffic to evaluate the user experience of a WebAuthn to Pay flow and the impact (if any) on merchant conversion rates.”

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Gabriela Nistor – director general adjunct BT

Tendinţele pe care le-am remarcat înainte de începerea pandemiei s-au accelerat pe perioada stării de urgenţă. Am văzut acest lucru ca o oportunitate, un tipping point pentru bancă. Post-pandemie nu avem cum sa ne întoarcem la comportamentul financiar pe care îl aveam până în februarie a.c. Relaţia românilor cu online-ul s-a schimbat. In plus, cardul fizic se va dematerializa. Vom asista la o scădere a cererii pentru cardurile fizice, respectiv la o creştere a preferinţei pentru componenta digitală a acestora.”

Sondaj

In 23 septembrie 2019, BNR a anuntat infiintarea unui Fintech Innovation Hub pentru a sustine inovatia in domeniul serviciilor financiare si de plata. In acest sens, care credeti ca ar trebui sa fie urmatorul pas al bancii centrale in 2020?