Some people sign up for credit cards in the name of family members (who are willing participants) — they want the bonus miles, but spouse or sibling doesn’t want to deal with meeting minimum spend and doesn’t themselves value the miles.
Things get tricky when it comes time to cancelling, a male voice may have a hard time calling to cancel a woman’s card (so cancel by mail or online). And meeting minimum spend either needs to be done with an authorized user card, or online.
Point of sale transactions with a machine, rather than a person, are easy though. A gas station pump just needs your zip code, not to know whether you’re a man or a woman.
Things get even more complicated of course .
It may get exceptionally difficult to spend money on someone else’s credit card in the future, even when the person in question is willing. Because MasterCard is testing payment verification via selfie.
The card company is testing the new way to pay which involves the customer being asked to look at the screen and blink to confirm their identity and authenticate a payment.
Customers will be able to use the selfie method or a fingerprint with which to authorise a payment. The company is also looking at voice and heartbeat recognition as an alternative.
Google Android used to authenticate via facial recognition, but you could just use a photo of the person to access their phone. MasterCard’s requirement to blink is supposed to solve this vulnerability.