Elevate your Purchasing EXPERIENCE with MyBuy'o
The ultimate solution for a cashless,cardless, touchless & secure digital and/or retail shopping & purchasing experience.
MyBuy'o is a flexible suite of digital identity services that conveniently and securely verify the identity of users in real time. This seamless experience gives businesses a high level of assurance that the identity of the person completing a digital transaction is valid and supports a wide range of use cases for all industry verticals.
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We developed MyBuy O' so consumers can either shop & purchase in brick and mortar retail based establishments without digging for your credit-cards,cash or having to type in any payment details. Whether your in store, or on a smartphone, tablet or PC, just look for the MyBuy'O icon when checking out online or wherever it be you are making a purchase and as long as you're Bio-Enrolled in MyBuy'O S
Ready to get started?
Follow the steps below. For more details, read the Quick Start Guide.
#Faceit
#PrintPay
#PrintPay
Facial recognition—by recording the spatial geometry of the face it
works by using a photo ID of the customer, previously stored in the system, and scanning their face for a match.3
#PrintPay
#PrintPay
#PrintPay
Fingerprint—using the ridges and valleys on the surface tips of the human finger. Bank of America is using Touch ID by Apple on customers’ mobile phones when they are signing into its mobile banking app
#SpeakIt
#BlinkLink
#BlinkLink
Voice Recognition—using vocal characteristics to identify individuals using a pass-phrase.
Now is the time to embrace a new way to make online and ret
We combine science with technology.
With response to the growing needs and expectations of consumers around the world.
MyBuy'O Seamlessly Verifies Your Identity In Real Time
Why Use BIOMETRIC ID Verification?
- Users are sensitive to how their information is used and where it’s stored. ID Verification establishes transparency and trust during digital interactions.
- Connected devices will join the Internet of Things in the next few years each one a potential security vulnerability. "The Internet of Things: Consumer, Industrial & Public Services 2018–2023,” Juniper Research, 2018."
- Reduction in customer onboarding costs with digital identity.McKinsey Global Institute, Digital identification: A key to inclusive growth, April 2019.
- 62% of individuals feel companies are not doing a very good job handling their data. Mastercard-commissioned survey. August 2019.
- 82% of individuals and business leaders feel data privacy is universally
important.Mastercard-commissioned survey. August 2019.
The ID Verification API enables Relying Party (RP) to perform real-time user identity verification for various business use cases including Financial Services, Healthcare, Travel, Education, and other similar business. The solution is offered via APIs to assure that the user is who they claim by providing a set of real-time verified attributes, such as mobile phone numbers, personal information, and biometric data.
Key Features
- Mobile Verification: A service to assure that a user has possession of their mobile phone number.
- Mobile Trust Score: A service that provides a reputation score to the user’s phone number.
- Verified Form Fill: A service that after establishing possession and reputation of a user’s phone, retrieves the user’s Personally Identifiable Information (PII) data.
- Document Verification: A service to verify the authenticity of a user’s documents.
To verify the user’s data, the RP makes a request to ID Verification APIs sending the data to be verified. The data will be validated by the ID Verification Provider (IVP) and the response is sent back to the Relying Party through the same path.
The verification process consists in:
- Phone number verification can be processed through instant phone verification or SMS OTP.
- Photo ID verification in which a government-issued identity document is scanned, and its data is extracted and validated with the correspondent IVP.
- Facial Biometric Verification to verify that it is a live user. It includes a current selfie using Liveness Detection to compare against the document’s photo, such as government-issued IDs.
- Any other data verification that can be verified by the IVP.
Click here to see the complete flow.
The verification process can be started in many ways.
It depends only on how the application developed by the Trust Provider uses the ID Verification APIs.
To start using the ID Verification API, you must first create a project and then add the API to it.
Contact your Mastercard representative and request your Sandbox access.
Once the access is granted, you can use the Sandbox environment to test authentication and validate your connectivity. You should also perform end-to-end integration testing based on your integration model in this environment before moving to Production. Refer to the Quick Start Guide for more information.
- For information regarding different user flows allowed by the application, refer to the
- Use Cases section.
- To understand the request and response format of the APIs, refer to the API Basics section.
- For each API and supported parameter detail, refer to the API Reference section.
- For any questions about the ID Verification API, refer to the FAQs in the Support section.
Term Description Abbreviation : The technology platform and operational service to allow the secure storage and transmission of Digital Identity data from the user to the Relying Party having been verified to a required level of assurance by an Identity Verifier Provider. Mastercard also defines the commercial model and liability frameworks (the operating rules) allowing participants in the system to trust the data.MIDS Relying Parties Relying Party provides products and services to users, relying on the data available in the user’s account.
This data has been verified by one or more Identity Verification Providers to a level of assurance required by the Relying Party to meet regulatory, legislative, or operational needs.
RPUser is defined as the citizens of the service who are making an identity assertion.Identity Verification Provider A Identity Verification Provider verifies data asserted by the Trust Provider and the user using data mastered by the Identity Verifier (that is not aggregated from other data sources).
IVP Developer Dashboard This is a tool for API access and Key management.Mastercard Encryption Keys The public key Mastercard uses to encrypt responses are listed under “Mastercard Encryption Keys” of the Developer Dashboard.Client Encryption Keys The public key your application uses to encrypt requests is listed under “Client Encryption Keys” of the Developer Dashboard.
If you have already been in contact with the ID Verification team, and you have on boarded to the ID Verification, then you need to create a Mastercard Developers project.
This will generate your team credentials, which you need to use to access the system for user identity verification.
- For information on what the terms used in the ID Verification mean, refer to the Terminology section.
- For help with the technical implementation of the ID Verification API, refer to the Tutorials and Guides section.
- If you are interested in learning more about ID Verification, contact your Mastercard representative for more information about implementing this service.
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