Global payments firm Visa is working with Brazil's Neon Bank on an online login service that uses face recognition.The service allows consumers to use selfies to confirm their identities for online purchases.Fernando Teles, the general director of Visa Brasil, noted in a statement to local media that authentication of identity by facial recognition, which has been in use for almost a year by the 100 percent digital bank's customers for their transactions, will now be applied to Internet purchases with a 99.5 percent ID precision.”The selfie is a form of authentication that is more convenient for a financial transaction or payment. We're working with certain customers to improve the experience, but the selfie improves that experience for the final user,” Percival Jatoba, Visa Brasil's vice president for products, told EFE.Using selfies will not replace using the traditional PIN numbers or fingerprints for physical purchases.”The discussion is less technological and more focused on how to help the consumer,” Jatoba said.During the process of opening a bank account and acquiring a bank card, the user sends a photo of their identity document, registers a numeric password and their fingerprint, along with taking a selfie to provide initial facial recognition.At the point of making an online purchase, the security and authentication service asks for a selfie from the buyer's cellphone which will have to be taken immediately to guarantee it's in real time, and it will then be compared with the document photo. If everything matches, then the purchase can be made or the account opened.The commercial establishment and the users themselves do not receive the selfies taken during the purchasing process, which are transmitted encrypted to a databank at the banking institution.”We always wanted to combine security with convenience, but sometimes those processes of security authentication are not pleasant to do and the biometrics, involving your face, your eyes, your finger, was the perfect combination,” Banco Neon president Pedro Conrade told EFE.

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