According to a a patent application filed by Apple, the entire display can be used to read your fingerprints. I can imagine a lot of use cases, including payments security, beyond just the iPhone screen.
For example, super strong 3-factor authentication when processing payment transaction:
1. card ("something you have")
2. PIN ("something you know")
2. Fingerprints while entering PIN ("something you are").
Or another case - PIN-less payment transaction that keeps security level (2-factor authentication) of PIN transaction: card or phone (the 1st factor - "something you have") plus pressing the "Pay" or "OK" button on payment terminal or mobile phone with simultaneous fingerprint scanning (2nd factor - "something you are").
For example, super strong 3-factor authentication when processing payment transaction:
1. card ("something you have")
2. PIN ("something you know")
2. Fingerprints while entering PIN ("something you are").
Or another case - PIN-less payment transaction that keeps security level (2-factor authentication) of PIN transaction: card or phone (the 1st factor - "something you have") plus pressing the "Pay" or "OK" button on payment terminal or mobile phone with simultaneous fingerprint scanning (2nd factor - "something you are").
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