International Research Journal of Education and Technology

Face Payment is an emerging biometric transaction technology that utilizes facial recognition to authenticate and process financial transactions. This technology leverages artificial intelligence (AI) and deep learning algorithms to analyze facial features and match them with stored biometric data to ensure secure and efficient payments. It eliminates the need for physical cards, PINs, or passwords, enhancing user convenience while maintaining high security standards.

The implementation of Face Payment involves integrating facial recognition systems with financial institutions and payment gateways. Advanced AI models process facial images in real time, ensuring seamless authentication. This system requires high-quality cameras, robust databases, and efficient encryption techniques to safeguard sensitive biometric data. Additionally, liveness detection mechanisms prevent fraudulent attempts using photos, videos, or deepfake attacks.

Despite its advantages, Face Payment technology faces several security challenges. Privacy concerns arise due to the collection and storage of biometric data, which, if compromised, can lead to identity theft. Additionally, spoofing attacks, algorithmic biases, and regulatory compliance issues pose significant risks. Ensuring the ethical use of facial recognition, securing databases against breaches, and implementing multi-factor authentication can mitigate these threats.